POS machine, basically used every day, but pos machine clear machine, two clear machine, do you know what it is? Always brush the second machine, carefully derating or sealing the card! Yiqing and Erqing refer to the popular name of the market. Simply put, one clear refers to one liquidation; the second clear refers to secondary liquidation. The clearing is that the bank or the payment company directly docks the merchant; the second clearing refers to the payment company or the bank paying the settlement payment of the POS machine to an individual or a certain company, and then the company or individual is settled to the merchant. Therefore, it is generally said that UnionPay, the bank or the institution that already has the qualification for acquiring the goods (obtaining the third-party payment license issued by the PBOC) is cleared to clear, and the individual or the company that has not obtained the acquiring qualification is liquidated as the second clearing. Second, there are certain risks in the cleaning machine. Haven't read it yet? It's ok! The picture below will let you know in seconds! I believe that everyone has seen the current chaos in the POS market, the fish are mixed, and there are many friends who have suffered. My friend is the most important issue that you care about before installing the POS machine. I think it should be "the money is not safe?", "Is the platform a clear machine?". However, I went to Baidu and searched for "What is a clear POS machine". At this time, there will be many answers. The public is well-informed, the wife said that she is reasonable, and there is a certain two-paying platform to register the water by registering multiple waters. The vague and unfamiliar merchants and friends, although the results are similar, but the potential security of funds is a big hidden danger, but we can still recognize through the details: 1, clearing mode clear resolution A clearing machine: full name is “one-time liquidation machineâ€, the fund clearing method is as follows: Consumer credit card (amount) —————→ Pedestrian clearing center (clearing allocation) —————→ Collection account (accounting) From the above fund clearing method, it is not difficult to see that after the consumer swipes the card, the money is directly sent to the People's Bank Clearing Center, which is settled by the PBC Clearing Center, and then directly distributed to the collection account by the PBC. The process is only a one-time clear settlement of the PBC, so it is called a clearing machine. Second Qingji: Fully referred to as “secondary liquidation machineâ€, the fund clearing method is as follows: Consumer credit card (amount) ———→ PBC Clearing Center ———→ Third Party Account ———→ Collection Account (Received) From the above fund clearing path, I believe that everyone understands now that since the consumer swipes the card, the money first arrives at the PBC clearing center. After the first clearing of the PBOC, the third-party account is transferred to the third-party account for a second settlement. After the transfer to the collection account, the entire process is carried out two clear settlement transfers, so called the second clear machine. Through this process, everyone will understand that the liquidation of a clearing machine is carried out by the people for one-time settlement. The second clearing machine's financial channel includes two clearing accounts, with the involvement of a third-party account, and this third-party account can be a company, or an individual. Isn't this an untimely bomb for your money? Perhaps the POS machine that you are happy to use now is that people apply for multiple, and then sublet and resell to you at a low price. But where is the truth, how to distinguish and identify? Let's look down. 2, the eye of the eye As mentioned above, the fund clearing method of a clearing machine and a second cleaning machine can be found on this way of capital flow. Which bank provides such a query system? Can the counter be found? Directly answer this: If you can't find it, the POS machine market will not be so messy. So what exactly is the POS machine in your hand? What should I do? Look at it, through the following methods, the mystery will be unveiled together. Method 1: Assign the backend system After you install the machine, do you get an independent back-end system provided by the platform, which allows you to check the account details online? If you don't provide a back-end system, you can say that it is the second clearing machine. It is impossible for other third parties to give your back-end system to you. It is impossible to let all the details of privacy be clear to you. Method 2: Check the cashier's receipt On the cashier's receipt printed after the card is swiped, the merchant name is checked carefully: the public account must be your company name. In the case of a self-employed private account, the business name generally displays “self-employed**†(** is your full name), otherwise, if it is a second cleaning machine, it shows a feeling that you feel completely strange or uninformed. Institution name or individual private name. Give you a list of cases: I will teach you how to clear a machine and a second machine through the McDonald's credit card ticket. The machine is not formal, which payment company belongs to, whether it is clear or two clear, in fact, it is very clear to use only to see the small ticket. Here I will first show the card ticket for buying a burger at McDonald's. Let's first look at the picture, it is a small ticket for consumption at McDonald's. The top is written by the UnionPay business special merchant pos purchase order. This shows that the channel used by this machine is UnionPay business, but looking down, the top three of the merchant number are 102, and the ICBC is displayed on the acquiring bank. What does it mean? 102 is the code of the Industrial and Commercial Bank of China. The acquiring bank also clearly stated the Industrial and Commercial Bank of China. Since China has regulated the payment industry since 13 years, the company that must hold the payment license is eligible to engage in the pos acquiring business before it can directly connect to UnionPay. Channel, but Industrial and Commercial Bank of China has no license, so he rented the channel of UnionPay business, doing the second clear settlement. Now everyone goes to the bank to handle the machine. Basically, the bank is outsourced to the licensed payment company. The bank agent does not have any profit, but can make additional requirements such as deposits, and some client managers can cooperate with the payment company. The agent proposed a distribution requirement. Therefore, many banks now have a high commission fee, or deduct the fee at the standard rate, but set the bill to the people's livelihood, so that the account manager can earn more fees. Therefore, there will be a lot of bills for high-rate industries such as catering and entertainment, but it will show a certain supermarket. Next, look at the left side is the small ticket of the third-party payment company of UBS. The merchant number is 887, the 887 is the code of UBS, and the order line is 4887... all the order line codes are added 4, The last 3 digits of the 4 are the acquirer codes. The small ticket on the merchant number 8-11 is the industry code, the left UBS letter is the communication industry, the industry code is 4814, the right McDonald's is the restaurant industry, the industry code is 5814. Everyone do pos machine to see the code three and 8-11 Basically, I know that the machine I am handling is not formal, what industry. Now many people ask me if I am missing a net online transfer record. I really don't need to look at this. Many Erqing companies will say that you see, online banking records show UnionPay, or show a certain company. The name to prove that he is clear, this is indeed clear, but there is no bird to use, the key is to see if there is a license. Erqing Company can entrust a clear settlement, but it can also be settled at any time. The Erqing Company has many illegal operations and will be fined by UnionPay. Many Qingqing companies are looking for a fine to collect their own channels. If it is delayed, Directly freezing the funds, there are still some serious violations, and the UnionPay found that the funds were frozen directly, so the second clear account did not happen frequently, so don’t let the old online banking bill ask me if it is a formal clear, no need to check the license. . Method 3: Check the arrival time. China UnionPay's standard payment mode is “T 1†mode, which means “the next day to account†mode, which is consistent with the settlement method of stock trading and inter-bank transfer. If the card is swiped over the weekend, it will be received by the pedestrians on Monday. In the event of a national statutory holiday, it will be postponed until the PBOC goes to work to carry out liquidation and distribution. In this way, some friends who are on the market today with the T 0 model, or some friends who have to pay for two days, three days or even four days, can be carefully identified, small funds are not risky, and large funds are in and out. Maybe, someday your money is not your money. This kind of thing has happened frequently in the market, but you can't find where to look. Through the above three methods, straightforward white, and quickly have friends with POS machines on hand, quickly check the above methods, carefully check whether your POS machine is a clear machine, if it is a clear machine, congratulations you can rest assured use. If not, the general second Qing is a low-cost, low-price superficial advantage, to induce users to install the machine, and even more do not need any formalities, just the ID card can apply for the banner, publicity, å°I don't know if you are happy to pick up a big deal today, but there is a huge risk that you may be able to make a trip overnight. The reason is very simple. The POS machine is a kind of consumer collection tool that UnionPay has promoted by the state to expand and regulate the consumer market. It is only for merchants to deploy. Can someone handle it with an ID card? Applying for a credit card requires so many procedures for approval. It is so easy to apply for a POS machine. The government is not afraid of money laundering! I hope that through this article, let everyone know how to distinguish and rationally avoid risks. Finally, the small series concludes that the POS machine needs to be both easy to use and safe. Before choosing a POS brand, do the following things. First, Baidu People's Bank of China, enter the official website, use the mouse to drag to the bottom. In the lower right corner, there is a government affairs disclosure, and then [administrative law enforcement information] - [administrative approval public notice] - [has been licensed] after entering, you can see that the first one is Alipay, click inside, there are details Information, mainly depends on the business type, there is no bank card receipt (ie POS machine business), there are, representatives can do POS machine business, rest assured to use. Nothing can't be done, and violations are made. Second, Baidu's enterprise credit information inquiry system, look at the company's specific information, look at the company's strength, the general registered capital is 100 million, and paid 100 million yuan to the People's Bank of China. As you can imagine, the company has strength and security. Ok, let's share it here today. Click on the original text to check the list of PBOC payment license companies. (People's website is very slow to open, wait a little longer)
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