Top ten cardless payment apps

1. Baby Pay: Baby Pay is a regular UnionPay POS machine software. The affiliated company is from Shanghai Feifu Information Technology Co., Ltd. It has obtained dual certifications from China UnionPay and China Finance. At the same time, it also obtained an aggregate payment license this year. Therefore, you will feel very at ease when using the Baby Pay software.

2. Lightning Plus plus: Lightning Plus is a very formal UnionPay POS machine software. The affiliated company is from Huifu Tianxia. Many people are familiar with the Huifu brand. It is a formal third-party payment company in my country. Therefore, its Lightning Plus Plus is also deeply loved by everyone. Not only does it support credit card payment, it also supports credit card processing and credit card points redemption. It is a relatively comprehensive aggregate payment software.

3. Huikai Youdian: Huikai Youdian is a very reliable mobile UnionPay POS machine software. At the same time, Huikai Youdian and Lightning Bao Plus are both products of Huifu Tianxia. Currently supports mobile payment and small amount collection functions. When used, it will automatically locate business information near us. Ensure the security of our credit card swiping and payment collection. It is also relatively advanced in terms of use. So it is recommended for everyone to use.

4. Jinyun Micro Collection is the official collection product of Jinyuntong Payment, dedicated to the collection of small and micro merchants. The default rate is 0.38 for small amounts within 1,000, and the QR code supports WeChat and Alipay. The app is extremely stable and is directly operated by the payment company to ensure the safety of users’ funds. Multi-channel payment collection makes it more convenient for users. Supports GF Ping An, CITIC and other risk control cards

5. Xiaopay is a face-swiping payment collection tool officially produced by Shanghai Hanyin Technology. For all standard points merchants, all 0.55 will be credited without adding 3 seconds. The licensed institution Hanyin Technology has a payment license issued by the People's Bank of China, which is safe and stable.

6. Tongtongou is a payment 4.0 product developed and launched by Shangmeng Pay. Users can reduce handling fees by sharing, agents can open tiers, and enjoy three generations of benefits. The model is unique.

7. Kayinjia.

8. Push money.

9. Quxianzhuan

10. Card Consultant

Cardless payment means that the payer makes use of the Internet, mobile Internet, wireless LAN and other channels. Acceptable monetary claims can be transferred to the payee without the need for a physical card to be read by an acceptance device (ATM, POS, etc.). Alipay's "Quick Payment" and China UnionPay's "Online Payment" are both cardless payment methods.

What are the disadvantages of using a credit card to pay without a card? You will understand after reading this

Since the introduction of the cardless payment function of credit cards, many cardholders no longer carry their credit cards with them when going out. As long as they bind the credit card on their smartphones, they can swipe the card for consumption. Although it is very convenient to pay in this way, there are also many cardholders who are worried about paying without a card and are always worried about the disadvantages. Let’s take a look below.

1. What is credit card cardless payment?

As the name suggests, cardless payment does not mean holding a physical credit card to swipe the card for consumption.

As mentioned earlier, bind the credit card on a smartphone through third-party payment platforms such as UnionPay QuickPass, Alipay, and WeChat. When swiping the card, take out the phone to call up the binding. You can pay with your credit card. Or scan the QR code with your mobile phone and choose the payment method as the bound credit card to pay.

2. What are the disadvantages of using a credit card to pay without a card?

In fact, there are no disadvantages. Not only that, there are many benefits. For example, it is more convenient to use. You don’t have to take your credit card out, which avoids the risk of losing your credit card. You don’t have to worry about others picking up your credit card and then stealing it.

However, there is a disadvantage, that is, there are certain risks in paying without a credit card, especially if the smart device bound to the credit card is lost, the credit card may also be stolen. Therefore, everyone must ensure the safety of the smart device bound to the credit card, do not lose it, and do not give it to anyone else.

The above is the relevant introduction of "What are the disadvantages of card-less payment with credit card", I hope it will be helpful to everyone. In short, there are advantages and disadvantages to cardless payment with credit cards. This requires cardholders to decide whether to use it or not based on their own needs.

How about Card General’s cardless payment?

Cardless payment is actually not an emerging market. It has been popular in our country for many years. In order to seize the huge market of personal credit cards, Many third-party payment institutions have also launched related APP platforms, which can also realize functions such as mobile payment collection, small-amount payment, and face-swiping payment through mobile phones, and the payment can be received 24 hours a day. However, there are still some novices who are not absolutely confident about cardless payment, and there are also many people who want to know whether this industry can make money.

In fact, at the beginning, when cardless payment was just launched on the market, many people were skeptical. People did not agree mainly because they felt insecure. However, as time goes by, everyone is no longer afraid of it. Especially after application scenarios such as Alipay and WeChat have become popular among the people, the reliability of cardless payment has been recognized by the majority of users. Nowadays, our lives are basically inseparable from these tools. We can complete all functions by bringing a mobile phone when we go out.

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As for whether it can make money, as long as you understand the number of credit card issuances in China, you can basically confirm that the prospects are very good. The more people who use the cardless payment platform, the better it is for agents, and who is not using mobile payment and collection functions now? As long as the user swipes the card and repays the money, the recommender can get profits. New users who install the APP can get different proportions of rewards whether they are directly recommended or indirectly recommended. The profit sharing system will vary according to different brands.

However, in general, the security of cardless payment has been recognized by everyone. When choosing a platform, be sure to find a company with a payment license, so that the security will naturally be greatly improved. If you want to use these platforms to make money, choose a strong company and your profits will be more stable.

What is cardless payment? What is Alipay cardless payment?

Cardless payment means that there is no need to carry a credit card or open online banking. It relies entirely on the four major elements of payment verification: ①ID card; ②Bank; ③Mobile phone number; ④Verification code; complete UnionPay security certification to achieve A way for cardholders to pay online.

Cardless payment does not require opening online banking. It uses payment verification elements and combines UnionPay security certification to allow cardholders to complete Internet payments.

The full name of China UnionPay is China UnionPay Co., Ltd., which uses advanced information technology and modern company management mechanisms to establish and operate a national bank card inter-bank information exchange network, realize the universal use of bank cards nationwide, and promote the development of my country's banks. The rapid development of the card industry has achieved the goal of "traveling all over China with one card in hand" and even "traveling around the world".

The transaction limit is 20,000 yuan per transaction for a single card and 50,000 yuan for a single card per day (note: the transaction limit for a single merchant can be appropriately adjusted based on the actual needs of the merchant and combined with risk control measures).

UnionPay issued the "Notice on Preventing Derivative Risks that May Be Caused by Business Violations of Institutions Within Its Jurisdiction" and vigorously rectified cardless fast payment apps, including Dorayun, Langsha Pay, Aikaka and many other cardless payment apps. Payment products were named.

UnionPay clearly pointed out in the notice that risk events involving business violations include the following four categories:

1. Using "online wallet" apps of unlicensed payment institutions for illegal cash out The phenomenon is showing a high incidence trend;

2. Unlicensed payment apps can easily become a breeding ground for new telecommunications risks;

3. Some institutions have opened payment channels in violation of regulations and restricted the business within the channels. Insufficient control over authenticity and compliance has turned it into a channel for illegal and criminal fund transfers;

4. The account information security management of unlicensed payment institutions is not in place, and there is a risk of information leakage.

The difference between cardless payment POS payment and POS payment with card:

First, cardless payment is different from POS consumption model. Any credit card payment is not equivalent to online consumption. Just like when you buy something on Taobao and JD.com, no matter when and where you swipe your card, it is normal to pay without swiping your card. Merchants who do not pay with credit cards are special merchants of the bank. The model of the first Brush POS machine is relatively simple, using Bluetooth connection method, and the merchant is a local offline merchant.

Second, the card-less payment rate is different from that of POS machines. Card-less payment is an online payment channel with a lower rate, while paranoid payment is an offline channel with a higher rate and each transaction has a single payment. The charges are superimposed.

Third, it is used in different ways. It is more convenient and convenient to use the mobile phone application software to directly pay without a card. The POSS machine uses a Bluetooth physical machine and a mobile phone application to operate, and the steps are more cumbersome.

Fourth, the problem of merchants paying without cards. There is no credit card payment in order to support custom merchants. You can choose what merchant's bill to display. There is no code hopping. However, the POSS machine is a code hopping machine, especially if the swipe is used many times, it will jump back and forth in different places. , if the difference between the two is hundreds of kilometers, the card swiping behavior can be easily monitored by the bank. Cardless payment is basically a fixed online merchant that simulates consumer shopping, just like you go shopping on JD.com and Taobao, and will not be monitored by banks.

Fifth, there is no card swiping because a mobile phone verification code is required. Cards are generally swiped. Both POS machines and non-card swiping machines are eventually imported into the UnionPay system, but POS machines require the assistance of physical hardware to be imported into the UnionPay system. If there is no network card payment, it is an online program in the UnionPay system, and the final settlement method is the same! It is safe if you keep the machine on you!

Finally, the proxy model is different. POS agents need to buy their own goods and collect money after selling them. If they cannot sell, they can only keep them in their own hands. They need to prepay their own funds. Without credit card payment agents do not need to prepay funds, nor do they need to hoard goods like POS machines. Just register the app on it and you can carry goods with your phone! Promoting QR codes makes it easy to expand the industry. The mobile terminal can open agents in seconds, and daily management can be done with a mobile phone!

What does the amount to be cleared on the UnionPay Cardless Quick Payment Platform mean?

The amount to be cleared on the UnionPay cardless fast payment platform is actually a pre-authorized payment from a credit card (debit card).

Credit card (debit card) pre-authorization refers to a transaction in which the card issuer or its agency confirms the permission to freeze the amount before the special merchant deducts money. The pre-authorization will occupy the card's credit limit and will be canceled when the customer runs settlement on the pre-authorization. If the customer does not run settlement within 30 days of the pre-authorization, the pre-authorization will be cancelled.

That’s it for the introduction of the credit card cardless payment platform.