Why is your credit card not being charged, derated or blocked? You may be pitted by these POS machines.


Now most partners are using pos machine to swipe credit card consumption or use pos machine to withdraw cash flow. However, when many partners are using it, the credit card is not for the amount, and some even inexplicably derated or sealed. If you encounter such a situation, in all likelihood, you are using the POS machine you used. There are the following four categories. Let's analyze it together.

The first category: is the severe code hopping after swiping the card

Now there are many brands of POS machines that are all posted to the market, that is, the POS machine is free to send, the issuing bank's UnionPay and agency system costs are still high, the payment company must make money by hopping code to subsidize its own profits, then jump The most direct consequence of the code is that the merchants after the cardholders have swiped the card from the standard class to the preferential class or even the tax exemption class. Some of the points are gone, and the bank earns less money or even a penny, which is inevitable in the long run. Derating or sealing.

The second category: no local merchants, national running after swiping the card

Many Bluetooth card headers or POS machine merchants cannot locate the province or the city, and every time they swipe their cards, they run around the country. If the cardholder has multiple transactions in a short period of time, and the system gives your merchants a different province, there may be a difference of 100,000 miles, which will inevitably cause an alarm for the bank's risk control system. It will inevitably freeze or seal the card.

The third category: that is to use the "two clear" machine

Nowadays, many "Second Qing" brands are borrowing from other people's payment channels, and they may be suspended or banned at any time due to supervision. They are extremely unstable, and there is a huge hidden danger in capital security. Therefore, the bank has strict control over the use of the "two clear" machine.

The fourth category: low rate pos machine

Since the cancellation of the merchant classification on September 6, 2016, the national standard rate is 0.6%, but the vicious competition in the market has led to abnormally low rates, 0.55/0.5/0.45 or even lower, so low rates. Obviously, it can't cover the cost of acquiring the goods. The direct damage is the bank's income. The bank does not make money. The risk is still so big. Why should the credit card be used for you?

The above four types of POS machine pit customers and pit banks that we have summarized for you directly lead to the derating of the customer's credit card. So a good POS machine is crucial for the long-term safe use of credit cards.

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