Properly use your 0.6% low rate POS machine to manage your credit card

Since September 6, 2016, the card processing fee has been adjusted, and the proportion of the entire system has also changed. The original issuer, UnionPay, payment company, and the three-way ratio of 7:1:2 have been broken. The original 26 cap, 1.25, and 0.78 rates have also disappeared.

The current rates are divided into three types:

The standard class is a rate of 0.6, the fee-reduction class is a rate of 0.38-0.48, and the public interest class is a rate of 0.

The standard class is the rate of 0.6, the issuing bank is 0.45, the UnionPay is 0.0325x2 (received separately from the issuing bank and the payment company), and the handling fee charged by the acquiring institution = 0.6 - issuing bank - UnionPay network service fee. (0.6-0.45-0.065)

It can be seen that the payment company's cost rate is 0.4825. The payment company's rate space is 0.6-0.4825. The payment company's rate space is 0.6-0.4825, but the payment company's operating cost is relatively high. So the POS machine you see about 0.5 is definitely a class of relief or public welfare.

Everyone will come here, will the bank seal the card for everyone? As long as you are a standard merchant, it will definitely not. It’s a bit tricky to swipe your card:

1. Our merchants who swipe their cards are automatically redirected (it is best to choose the merchant's machine)

2. The indirect frequency of swiping the card should not be too fast. For example, within one hour, you cannot run from the development zone to Yaohai District.

3, a large amount of small amount of a brush, it is difficult to increase the amount

4, pos machine must have a payment operating license issued by the state

The payment company must ensure that the tax rate is above 0.54 in order to maintain its own operation. Other fees will be extended to the market by agents. Therefore, everyone says that the tax rate of around 0.6 is the most reasonable.

(Or do not make money, who still do, everyone has money, the country has money, so the state advocates, so now the POS machine is varied, various tax rates, equipment deposits will follow, as long as the rate If there is a low deposit, the company will go bankrupt, but it will not be able to come. The deposit will be paid, the company will take the investment, and the rest will not matter, that is, the assets of the group will be mixed and the money will be generated.