"Swipe the card for 30 seconds, from now on, do not ask for help, easily realize the big change from the card slave to the card god." After the central bank issued a POS machine network sales ban, many businesses are still committing crimes, in Tmall and other e-commerce On the platform, the merchant only keeps the “pos machine†keyword and continues to sell, and publicizes its low rate and fast delivery. Shanghai POS machines such as Interest, Le Fu, and accompanying payment can all be purchased on the e-commerce platform. When tracing the sources of these POS machines, many payment agencies indicated that they did not authorize the e-commerce platform merchants. I wonder if the goods being sold are true or false. Is the agency illegally moving the POS machine to online sales, or is the machine it sells itself a counterfeit product?
The seller knows that the law is still illegal and sells
The central bank recently issued the "Notice on Strengthening Payment Settlement Management and Preventing New Efforts Related to Telecommunications Networks", stipulates that no unit or individual may buy or sell POS machines (including MPOS), card readers, etc. on the Internet for use in violation of regulations. It is impossible to confirm that the acceptance terminal of the actual use location will stop the business function, and the bank and payment institution shall form an inspection report for reference before November 30, 2016. Subsequently, the Taobao official forum issued a lock-up announcement on the merchants on its platform.
At present, search for POS machines, MPOS machines, and POS machines on the Taobao and Tmall websites. The webpages all display "Unable to display related baby according to relevant laws, regulations and policies." However, this does not mean that the sale of POS machines and MPOS machines on the e-commerce platform has completely disappeared.
The reporter's investigation found that the phenomenon that the e-commerce platform illegally sells POS machines is still a lot. Many merchants only hide the word "POS" in the keywords. For example, in Tmall Mall, there is a POS machine called “Opening Store†that is still being sold. It claims to be a POS machine that can be loaned, and it has a low rate, a second-account and loan, two-dimensional code payment, Bluetooth connection, swipe credit card slogan. It is understood that the POS machine uses the fast D+0 mode, promises 30 seconds to get the account, the QR code payment fee is 0.48%.
The merchant posted a notice at the top of its merchandise details, saying that "as the central bank issued a document on September 6, 2016 prohibiting the sale of credit card POS machines through e-commerce channels, the store's monthly sales of 8,000 units were linked. Forced to remove the shelves, customers in need, please rest assured to buy my products, we will be eager to guide customers throughout the process, we will continue to provide the fastest and most intimate service. It shows that the merchant knows that the regulatory ban is still in the air.
In conjunction with the "Open Shop", there is also a product called "Yubao". The publicity materials show that the main feature of “Yubao†is that it can solve the dilemma of users borrowing money. The loan amount is adjusted according to the usage of the card. The more the amount is used, the more you teach, “Take the credit card thoroughly, from the card. Slave to the card god."
On the source of Kaidianbao and Paypal, the merchant said that the two products were launched by Shanghai Point Interest Information Technology Co., Ltd., and released a screenshot of the payment license in Shanghai on the product introduction page.
Who is selling the point of interest POS machine
On the e-commerce platform, search for the name of the device with such a function, such as "pay with you", "open shop treasure", "pay for treasure", etc., there are still dozens to hundreds of sales information. But when I traced the source of the machine, I found more doubts.
During the investigation of the reporters, several payment agencies denied giving power to the e-commerce platform sellers. For example, people who pay with it, their sales channels are only official website. Regarding the source of Kaidianbao and Zhifubao, the reporter found that the official website of Shanghai Point Fun really has two products, but the customer service phone of the company was not answered. The reporter turned to Shanghai Yifu Group, the parent company of Shanghai. The relevant person mentioned that due to the policy issued by the central bank, the online sales channels of Kaibao and Yefubao have been forced to stop.
However, Shanghai Yufu Group's customer service staff also said that Kaidianbao and Yunfubao have agent sales companies, and it is not clear whether these agents have illegally placed the machines online for sale.
The above-mentioned Tmall sellers insisted that the equipment sold was from Shanghai Point, and presented the proof of the payment institution's qualification issued by the central bank. According to the payment institution information released by the central bank's official website, Shanghai Dianxi Information Technology Co., Ltd. is a professional third-party payment company with national bank card receipt and professional maintenance, value-added services and application technology system research and development. It was established in 2006. In February, the registered capital was 120 million yuan, and in December 2011, the payment license was obtained. These materials are consistent with the information released by e-commerce platform merchants.
However, the merchant also said that the equipment sold does not have a warranty, and if there is a problem during use, it is necessary to contact the seller instead of the issuing company.
An industry insider pointed out that the various "swipe artifacts" sold online are actually the same as those of banks and third-party payment agencies. Some merchants are even agents. These merchants can give lower prices and lower purchase thresholds, which greatly reduces the cost of cashiers.
The reporter pretended to be a buyer and consulted a merchant. The POS machine sold by the merchant came from the payment agency such as Lianfu, Lefu, and the other one only needed 600 yuan. The other party called this the “lowest price for finding someone to cooperateâ€. The POS machine, like the mobile phone, can be used when it is fully charged, and supports payment methods such as credit card, WeChat, and Alipay.
However, according to people from banks and payment institutions, their POS machines are at least a thousand yuan, divided into fixed, hand-held, mobile, etc., depending on the age of use, generally only one-time purchase can be used for 2000. Yuan or so. The price of POS machines sold on e-commerce platforms is very low, and some machines are even less than 50 yuan.
According to industry insiders, the price difference between suppliers and online merchants is so large that it is likely that online merchants have received “return pointsâ€. It is understood that the so-called "return point" refers to a normal business operation mode adopted by some manufacturers or suppliers to stimulate sales and increase the sales enthusiasm of dealers or agents. Generally, it is required to give the dealer or agent a reward of how many percentage points on the basis of the specified sales in a certain market and within a certain time frame, so it is called rebate or rebate.
Qualification review is ineffective
At present, the use of online sales of POS machines has a very low threshold, and the qualification review is almost ineffective.
It is understood that banks and third-party payment platforms have strict regulations on direct POS applications. Applying for a POS machine at a bank, at least submit a “three certificates and one formâ€, that is, a legal person ID card, a business license, a tax registration certificate, and an application form (as well as a bank requiring a business license and an account opening permit), and the installer must come to the door. Inspect, verify, and meet the conditions before passing the examination and approval.
In the e-commerce channel, the purchase of a POS machine requires not only the provision of documents and materials, but also the inspection and verification of the door. When the reporter asks the self-employed person to purchase the materials required for the POS machine, the above-mentioned merchants introduce that they need a business license and an account opening permit. When the reporter asks for the need for a legal person ID card, the person quickly said, "The right person, the legal person status." The certificate is not acceptable to the manager." Not only that, these materials do not need to provide the original, as long as the photo is taken to the seller through WeChat.
Even more astounding is that individuals can also purchase POS machines over the Internet. According to the above-mentioned merchants, enterprises or self-employed enterprises need to bind the company's online banking to the POS machine, that is, to bind a public account to the payee, and only one ID card and one bank card can be purchased in the name of the individual.
"If you don't have a business license, you can do it in your own name. Many self-employed households are like this. It is common for one household to have two or three. The materials are small, but the equipment is the same, and it does not affect the card swiping and cashing." The person said.
True and false illegible online sales POS machine
The payment institution denied that it had authorized the merchant, the POS machine was unclear, and it was difficult to distinguish between the real and the fake. There have been many cases of online shopping POS machines being defrauded.
In March this year, there were reports that due to the urgent need for cash repayment, Mr. Liu, who worked in Nanping Town of Zhuhai, recently purchased a POS machine for cash, but he did not expect to pay the 80,000 yuan before and after the card. Mr. Liu said that the online merchants selling POS machines originally said that they had arrived in the two days, but 10 days passed, but 80,000 yuan had never been received. He suspected that the online merchants had done their hands and feet, so they reported the police.
Similar things happened in Nanjing. According to reports, as of July 2015, the Nanjing market supervision department had received more than 100 complaints related to Taobao's purchase of POS machines during the year, involving a total of more than one million yuan.
The police said that further investigation is needed on the specific circumstances of the case. However, it is illegal to use both POS machines to buy and sell POS machines. If the circumstances are serious, the cashiers and cardholders are also suspected of illegal business operations. The police reminded that citizens who use POS machines are likely to be used by criminals to defraud, and they will eventually become victims. The central bank, UnionPay and various acquiring institutions have strict and clear requirements for the application conditions of POS machines. The POS machines handled by the formal channels can be used with peace of mind.
So, can online sales of POS machines be completely stopped? Huang Zhen, director of the Institute of Financial Law of the Central University of Finance and Economics, believes that the authenticity of Internet promotion cannot be identified and detected in time, which has led to the phenomenon of illegal sales of POS machines.
The demand for the market has also become a breeding ground for the phenomenon of illegal sales of POS machines. According to bankers, many merchants wanted to run POS machines, but the licenses were not complete, especially the self-employed individuals concentrated in the wholesale market. Many of them did not have tax registration certificates, so they could not apply from the bank. The above-mentioned online sales merchants also quite proudly recommend themselves. "Some companies have complete certificates and do not go to banks and payment institutions. One is because it is expensive. Another reason is that it is too slow, often 2-3 months or even half a year. If you don't come, our equipment will be available on the same day."
"This chain has always existed, and there are many interests in it. It is very difficult to rectify it." Li Yaodong, director of research and development at Zero Financial, said frankly that he can only work harder on implementation. For example, modify the product name for the seller and add more intelligence. The judgment basis and the intensity of the review will still have a certain effect.
Beard Trimmer,Barber Tools Men,Haircut Tools Women,Barber Tools Rechargeable
ZHEJIANG SHENGFA ELECTRIC APPLIAMNCES CO.,LTD , https://www.sfelectricappliances.com