Many shops were concealed by the "Li Gui" POS machine

On December 25 last year, the Metropolis Daily published the article "Li Gui" installed the POS machine under the banner of UnionPay. The issue of "Li Gui" POS machine caught the attention of the public. On January 14, the public Mr. Chen reflected that the POS machine he and the surrounding merchants handled was also handled by the "Li Gui" under the banner of UnionPay. The other party had lost the deposit after receiving the deposit.

Mr. Chen said that in December last year, a woman who claimed to be a UnionPay staff member came to the store to sell POS machines, saying that the handling fee was not only low, but also required no formalities. At the beginning, Mr. Chen was somewhat suspicious, but when he saw other shops also handled her POS machine, he paid a deposit of 2,500 yuan to install one.

After the POS machine was installed, Mr. Chen found that it was not as good as the woman said. “Every time I swipe the card, the money is only available in a few days, and the slowest one waits for a week.” On December 25, 2014, Mr. Chen saw the newspaper’s “Li Gui” playing the UnionPay flag. After installing the POS machine, I realized that UnionPay does not install a POS machine, and this POS machine with unknown origin is not safe.

In order to retreat the POS machine, Mr. Chen and the merchants contacted the clerk who handled the POS machine to refund the deposit, but the clerk’s phone could not get through. Later, Mr. Chen found the person in charge of the company's Qinghai area, Xiao Bai, through the business card left by others. Xiaobai said that he was only an agent and had not done it for a long time. The deposit was also handed over to the head office and he could only find the head office.

Subsequently, according to the phone provided by Xiaobai, Mr. Chen also contacted the head office of the POS machine. The CEO of the company told him that the Qinghai branch had closed down and the deposit was not paid to the head office, but was divided equally by the salesman. So let him find a little white.

"At the time, I said that I can return the deposit at any time, but now the salesman is not doing it, and the company has closed down. Who should we ask for the POS deposit of these merchants?" Mr. Chen was very depressed. On January 14th, Mr. Chen tried to test Xiaobai and said that a friend needs to set up a POS machine. Xiaobai did not mention the company’s failure, but enthusiastically promoted the POS machine.

On the 15th, the reporter contacted the head office that installed the POS machine. The other party’s rhetoric basically agreed with Mr. Chen, saying that the head office did not take the deposit. To the reporter's strangeness, Xiao Bai insisted that the head office took the deposit on the phone.

In the investigation of the reporter, it was found that the two parties did not pay the business license, but only the agent, and it was not a subordinate unit of UnionPay. It is understood that China UnionPay is a bank card organization, mainly providing bank card transfer clearing services, does not participate in the installation of POS machines, and does not sell or deploy POS machines. In recent years, the acquiring market is open, many except banks. Non-financial payment institutions were also allowed to carry out offline POS acquiring business, so many "Li Gui" companies under the banner of UnionPay secretly sold POS machines.

China UnionPay Qinghai Branch reminded the general public and businesses to install POS machines of some illegal payment institutions, which will have financial security risks. This kind of agency agent level relationship is complicated. Once the credit card funds are not received, or the POS machine deposit is received but the machine is not installed, there may be problems such as “missing” or no response of the agent, resulting in loss of business funds. If the majority of merchants need to install POS machines and become UnionPay card merchants, please be sure to choose a non-financial payment institution with a “bank card receipt” payment license issued by the regular bank or the People's Bank of China. (Author Yao Yuxuan)

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