About pos machine industry must know something (sub-rate rate classification)

If you haven't touched the pos machine and want to enter this industry, then it is necessary to look at this article, this article mainly for everyone to popularize some basic knowledge about the pos machine.

With the development of economy, the amount of credit card savings cards per capita has risen sharply, and the use of pos machines in reality has become more widespread. Some savvy businessmen are keenly aware of the enormous opportunities hidden behind the pos machine, and an emerging industry has rapidly emerged.

The pos machine swipes each brush to generate a corresponding fee. These fees are borne by the seller according to national regulations, and these fees are distributed to banks, third parties, and UnionPay in a ratio of 7:2:1 through redistribution. According to statistics, the amount of credit cards in China in 2013 was 31.8 trillion. According to the industry, the fee varies, 1.25% for the restaurants and restaurants, 0.78% for the general category, 0.38% for the livelihood category and 0% for the public welfare category. It is necessary here to talk about the concept of a third party. A third party is a company that obtains a non-financial institution payment business license according to the state regulations and can take over the business. So far, the country has issued a total of 250 companies that have the qualifications for national collection.

For people engaged in the POS machine industry, the main benefit comes from two aspects, one is the sub-run of the fee, which can be said to be a "one-time-for-all" source of profit, according to 0.78%, 31.8 trillion credit card fees 24804 billion, third parties can be assigned to 20%, to count down to 496.08 billion, it sounds very impressive. There is also a difference in the machine.

The pos machine can be divided into traditional pos machines, convenient pos machines, smart pos machines and mobile phone card readers according to functional classification.

One of the most important of the Pos machines is the trading rules, including the rate, sub-run, purchase conditions, arrival period, and credit limit.

The rate has been said above, sub-run is the agent can get, I understand that according to different rates have different sub-runs. Then said that the purchase price conditions, the company needs "five certificates": business license, account opening certificate, organization code certificate, tax registration, and corporate identity card; individual needs "three cards": business license, person in charge of identity cards, bank cards.

The arrival period refers to the time that the funds enter their own account. The time of arrival of the UnionPay channel is the fastest. Generally, the second business day will arrive, the third party will be slower, and the cycle will be less stable. Credit card limit will vary according to different types of implements. Of course, the above rules are all traditional POS machine trading rules. Now there is a machine called the convenience pos machine, which can not only do the same business as the traditional POS machine, but also can provide credit card repayment, card transfer, pay bills, pay utility bills, buy lottery tickets and other convenience functions, and at the same time the purchase price conditions Simple, no business license required. At the same time to pay the bill to buy lottery tickets also enjoy operator reversal, can make money for merchants.

Just like pos machine is very much like to know how the pos machine makes money, do pos machine industry is not like other industries, sell the product, you can immediately make money, such as selling mobile phones, you sell a, you can earn To a few hundred or even more than a thousand pieces. If you want to make money in a matter of two months, please take a detour and the pos machine industry will not be able to meet your needs. Actually, we do POS machines, of course, we can earn the difference between selling equipment, but in the long run (I believe there are intentions to proxy pos machine, should also take this into consideration), we mainly earn points from the customer's credit card Run. How is it calculated? How much can the agent get? In fact, according to the 7:2:1 allocation principle, the bank assigns 7 points to the issuing bank, 1 points to UnionPay's own withdrawal, and 2 points to third-party operators and agents. How much money can be allocated by that specific agent depends on which agent your agent is. This also involves the issue of the rate. The national standard rate is 0.38 0.78 1.25. For example, if you are acting on a 1.25 rate machine, you have installed a pos machine for a KTV. If the ktv swipes 10,000 yuan per day through this pos machine, then according to the distribution rules above, there will be 12.5. Distributed to POS third-party operators. Then as a POS agent, it will be able to assign a portion of this 12.5 yuan, and how much can be divided into specific points depends on how much the third-party operator has assigned to the agent. As long as the pos machine continues to have a credit card payment, it will be able to permanently enjoy the distribution. If you have a lot of machines and they are all charged, then you can do nothing and you can enjoy the benefits.

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