With the development of China's e-commerce and banking and finance industry, electronic payment and credit card payment have become more and more popular, and it has become a popular trading method of the public, and has been accepted by more and more social groups! I have been in the financial field for many years, and I have gone through many detours. It is really not easy. Choosing a suitable POS machine is really hard to come by! Here to sort out your own experience, I hope that friends with pos machine needs to choose a stable, suitable and safe machine.
Traditional big POS machine
First, the benefits to consumers:
1, when people meet the payment transaction payment, you can achieve more "easy to swipe, easy to pay" wishes;
2. In line with the increasing popularity of electronic payment, improve customer satisfaction and the brand image of banks, as well as improve the service quality and competitiveness of banks;
3, reduce the inconvenience of carrying a large amount of cash, the change of the amount of money is time-consuming, the difficulty of real and false banknotes to distinguish, the settlement of the ticket is easy to make mistakes and many other problems;
4. Relieve pain, reduce cash rushing customers to queue, steal risk avoidance and break through service termination, space restrictions and off-site collection.
Second, the benefits to operators:
1. Accounts receivable are prompt and correct. Get rid of the problem of "changing zeros and wiping zeros". Subtracting each of your troubles received by the money to get the receipt to increase the cash register speed, reducing the single transaction time is to improve your operational efficiency.
2, checkout accurate to prevent corruption of staff fraud, so you do not lose money, do not lose goods; the correct use of POS machines, allowing you to store cash, projects such as strict control records, put an end to your employees in the daily sales and inventory count Make fake accounts and protect your interests.
3, convenient performance statistics, service management. The POS cash register system adopted by some financial institutions also integrates the functions of the Report Center. Various types of reports can directly provide decision-making basis for each franchisee boss, so as to make corresponding decisions for your next marketing and store management in advance. s plan.
4, is conducive to promoting irrational consumption and increase turnover. Using POS machine to swipe the card, it breaks away from the traditional "one-handed money" transaction, and downplays the concept of "money" to consumers. Therefore, credit card consumption can increase consumer spending impulses, and it is much better to increase the turnover of merchants. benefit.
So how do we choose the right POS machine? Xiaobian also summed up based on his many years of experience! According to the characteristics, there are two categories:
Rate classification
One. Ceiling machine
The relevant departments deduct the handling fee according to the number of transactions, the common one is 20-65 yuan / pen. For example, the transaction 1000 and the transaction of 100,000 yuan are the same expenses. There are also a certain rate, such as 0.8%, up to 20-65 yuan / pen. Commonly used in wholesale markets and special industry merchants. Approval is very strict and difficult
two. Deduction rate machine
Relevant departments set specific deduction rates for specific industries based on industry division. For example, computer firms have a deduction rate of 0.9-1.1%. The tertiary industry such as entertainment and restaurants has a high deduction rate, generally between 2-3%. The application time is usually one month (local UnionPay), and the actual storefront requirements are required.
2. Issuer classification
One. Local UnionPay
According to the application of the local UnionPay according to the merchant, the door will be inspected and reviewed and approved by various materials. Generally only need to pay a deposit of 1000-2000 yuan. The general review is strict and full, and the management is relatively tight.
Advantages: Stable time for safe arrival: Disadvantages of trading volume. At any time, it may be possible to adjust the daily deduction rate.
two. Local bank
Banks in some regions will issue POS machines for specific wholesale markets, typically capping machines. The deduction rate ranges from 18-45 yuan/pen. Generally only need to pay a deposit of about 1,000 yuan. The audit is very strict and requires a specific bank to open an account, and the money is paid to the public account (easy to have tax problems).
Advantages: low deduction rate to fast account
Disadvantages: Only for specific wholesale industry market banks can deduct the suspicion of risky transaction funds at any time.
three. Third-party payment platform
Features: Machine rental or use fees are relatively easy to apply (there are generally legally regulated agents everywhere)
The deduction rate has an advantage over the local UnionPay, which can save a lot of transaction costs for the merchants.
The arrival time is usually 1-2 business days.
The fly in the ointment: some platform providers, line or machine quality is not stable enough and may change service content due to changes in national policies
The biggest advantage: financial security, for example, even if there are a small number of risky transactions, funds are generally not frozen.
In the face of the POS brand in the market, how to choose it is a matter of careful consideration! Pay attention to the following aspects. The first channel problem, the channel mainly has the three platforms mentioned above, but now some third-party companies will falsely claim to go directly to the UnionPay channel. In fact, only the UnionPay cooperative operator is the UnionPay channel. Others who say that they are directly taking the UnionPay channel are deceiving. The problem of the second rate, many companies will now attract agents at low rate machines, but whether the way to achieve security directly affects the interests of agents, if you use the method of set-up, it will be easy to be China. UnionPay will go through supervision, and UnionPay will judge it according to the time period of credit card and the amount of credit card. The direct consequence is to seal the machine and freeze the account for a period of time.
Finally, I wish all of you small owners can choose their favorite POS machine, thank you for your constant attention!
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