Violation of the "set of code" profit problem

The reporter learned that in November 2014, the General Office of the State Council issued the "Several Opinions on Promoting the Healthy Development of Domestic Trade Circulation", demanding that the pricing mechanism for bank card credit card fees be improved as soon as possible, and the industry classification of credit card processing fees should be abolished, further reducing overall. Catering industry card processing fee.

However, for the moment, the merchants installed in the POS machine involve various industries, and the fees charged by different industries in the use of POS machines are also different. For example, according to the rate regulations in the “No. 66 Document” of the National Development and Reform Commission on February 25, 2013, the handling rate of the catering industry is 1.25%, the handling rate of the supermarket industry is 0.38%, and the business of the three rural areas is lower, only 0.25. %. "According to the difference between the main business of the merchant and the attributes of the industry, the acquirer sets a commodity category code for the merchant, which is the 8th to 11th digit of the merchant's POS ticket, and the merchant's payment fee is Decide."

In this regard, the industry insiders in the payment field explained that it is precisely because of the difference in the rate of card processing fees collected, it is not excluded that some of the acquiring institutions will provide lower-cost "MCC codes" for merchants in the high-cost industry. It is obviously a restaurant, but “fake” the pos machine of the supermarket, so that the restaurant can save a handling fee. This phenomenon is the "set of code."

According to media reports, in the first half of 2014 alone, the Union’s statistics found that more than 180,000 illegal “sets” merchants were identified in the country, accounting for 40% of all illegal merchants, of which more than 80% were illegally applying low-rate MCC codes. Merchants.

Relevant persons from the Provincial Consumer Protection Committee said that through this investigation, some third-party acquirers have provided POS machines to merchants or individuals in order to occupy the market in the fierce competition in the industry. Some even have no basic identity verification. . “Especially in the catering service industry, the problem that the POS machine purchase order information is completely inconsistent with the information on the merchant's business license is more prominent.”

In the event of a dispute, the cardholder’s funds are not guaranteed.

Among these violations, in addition to "sets of codes", "forgery of merchant information" and "cutting machine" are also common falsification techniques. In the “Notice on the Standardization of Bank Card Acceptance Markets in the First Half of 2014” issued by UnionPay, it is also blunt about this – “market violations are still high, and new types of violations such as large-scale transaction transfer, trading channels and 'cutting machines' are frequent. The situation of accepting market norms is grim."

Provincial Consumer Protection Committee officials admitted that under the circumstance of POS violations, the bank may not be able to obtain the true information of the cardholders, and cannot monitor the authenticity of the cardholders’ consumption behavior. “In the event of a dispute, the cardholder’s funds are not available. To the guarantee."

At the same time, the provincial consumer protection committee pointed out that POS machines issued by the acquiring institutions in violation of regulations are also likely to be modified and used by illegal elements. Consumers' bank card information will inevitably be leaked, and consumers' financial property security will be threatened.

In the interview, Lu Pingping, a person from China UnionPay Zhejiang Branch, said that after consumers use UnionPay cards, if they find problems, they can pass the "UnionPay 95516 Hotline" or the WeChat public number on the "UnionPay platform". Statement. “Union has always supervised and rectified the offline acquiring market. Once violations are found, it will be rectified and dismantled according to the regulations according to the seriousness of the circumstances.”

Not only that, the Provincial Consumer Protection Committee has issued a letter of recommendation to the Zhejiang Banking Regulatory Bureau and China UnionPay Zhejiang Branch in the near future, requesting to strengthen the management of the POS machine's acquiring market, strictly regulating the registration and issuance procedures of POS machines, and increasing the POS machine. The supervision of the acquiring market will resolutely crack down on all kinds of illegal and illegal financial activities.

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