About POS machine selection: the difference between a bank POS machine and a third-party POS machine
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There are quite a few netizens who come to Xiaobian to consult here. They will ask whether it is safe to choose the POS machine of the bank when purchasing the POS machine, or whether the POS machine of the third party payment is convenient. In response to this problem, Xiaobian today came to answer friends for the question of whether we chose a bank or a third party when we chose a POS machine. Let's look down together.
First, let's first understand the difference between a bank POS machine and a third-party POS machine.
Bank POS machines and third-party POS machines are allowed to sell and receive orders in the market through the central bank. All third-party payments have payment licenses issued by the central bank and a large margin is paid by the central bank. They are all directly settled by the UnionPay channel. Excluding some privately-made two-clearing machines, Xiaobian has published many articles in the past and mentioned the concept of two-clearing machines. Interested friends can go to our official website to access the information.
So where is the difference between a bank POS machine and a third-party POS machine?
We are in the process of handling the bank's POS machine:
1. Handling the bank POS machine for a long time to review the machine. There are many documents for the required documents. If the average person uses it urgently, it is not patient, and the bank POS machine is strictly audited. Bank personnel at some bank outlets are also helping third-party companies to promote POS products.
2. When a bank POS machine swipes a card into a public account, it will generate certain taxes. The average company is reluctant to pay the unnecessary tax in one fell swoop.
3, the bank to the public account, withdrawal is not convenient, you must open a check to the bank to queue to the counter to withdraw money or company online banking transfer.
4. The time for the arrival of the bank POS machine is generally T+1.
5. The basics that are handled are fixed POS machines, which is inconvenient. Bank mobile POS machines will also have stricter monitoring procedures.
Let's take a look at the POS process for third-party payment:
1, fast processing, can be off the same day, some agents will implement a license for business and sales.
2, there is an independent operation background, you can view the daily flow at any time.
After the reform of the credit card rate of 96 and 96, the credit card credit rate was unified. The rate of some mobile phone POS machines in the market is basically between 0.63-0.68%. Individual low rate brush heads are not included in the statistics.
4, the portable machine into the network, can handle mobile POS machine, easy to carry, easy to trade. Third-party payment POS machines are mainly for personal cash-out users, and regular businesses will choose bank POS machines.
5. Many third-party companies have T+0 services.
6, individuals can handle, funds directly into the legal person account, reasonable tax avoidance.
Xiaobian reminds friends that when handling third-party payment POS machines, you must keep your eyes open, choose a qualified enterprise and a regular agent, and don't believe what traps are called free of charge and ultra-low rate. Be deceived.
Summary: Bank POS machines and third-party payment POS machines have their own points. If the business friends are doing the catering and entertainment industry, it is recommended to apply for the bank's POS machine, because the bank will let you participate in the credit card credit card promotion activities for the merchant's activities, which will greatly help the friends' business. As an individual user, Xiao Bian still advises friends to purchase third-party POS machines. After all, third-party POS machines are easy to open, and more models can be selected according to their own needs. Not absolutely good, only the POS machine is more suitable for yourself is the key. I hope this information will help my friends.