Nowadays, there are more and more POS machines and brands on the market. Many friends are very concerned about the POS machine card rate when choosing pos machine. For the average user, the POS machine with low rate is the first. The mood of choice can also be understood, but such a low-rate machine will cause a lot of problems for your credit card. At that time, I found out that I was late because of the small loss.
After the fee change on September 6, 2016, the central bank completely canceled the cap and reclassified the merchants into:
After the fee change, the central bank stipulated that the handling fee for credit card transactions, the minimum cost of the bank is charged 0.45%, and the minimum fee for UnionPay is 0.0325%. The minimum cost of the two parts is 0.4825%, plus the third-party payment company and the fund seconds. The operating costs to the end, then brush 10,000, the minimum fee is 53 to 54 yuan. Can you see the 0.55% of the machines on the market, the agents still have profit margins? Is it possible for the agent not to make money? Obviously impossible.
However, there are always people looking for POS machines with low rates. In order to cater to the needs of these people, some agents will introduce machines with very low rates, and then reduce the cost by jumping the preferential and public goods businesses to squeeze out Your own profit margins. If the credit card has long-term discounts and public welfare merchants, it is the profit of UnionPay and the bank. Think about it. If you are a bank, you can give credit cards to customers free of charge. As a result, customers who have bought these preferential categories and public welfare businesses do not. What do you do if you make money? Therefore, derating, sealing or forcibly staging customers is the most realistic means.
Therefore, remind everyone to choose a POS machine, but still have to be clear-headed, do not pursue a low-rate POS machine for a few dollars of handling fees, otherwise it is likely to cause the consequences of sesame seeds lost watermelon.
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