Many card friends think that they should show their credit cards when swiping cards on POS machines. In fact, this is not necessarily the case. With the popularity of mobile payment, we can swipe our cards without taking them out, as long as we pay by mobile phone. So, how to do it? Let's have a look.
How to pay by credit card mobile phone?
Using credit card for mobile phone flash payment is actually using the function of China UnionPay Express, that is, binding credit cards on third-party payment platforms on mobile phones, such as Alipay, WeChat and China UnionPay Express. , and then call out the payment code of the credit card binding page when paying, put the mobile phone near the POS machine with the flash payment logo, and complete the payment with one click.
Two basic conditions need to be met. One is that the mobile phone must have NFC function, because flash payment is a non-contact fast payment, and only NFC function can be realized; One is that the POS machine must be a flash payment POS machine, and both are indispensable. In addition, merchants are also required to pay the collection of China UnionPay Express.
What are the advantages of credit card and mobile phone flash payment?
1, you don't need a physical card, so you can pay quickly. The mobile phone flash payment service is enabled by default, and a single transaction is less than 1000 yuan, so you can spend it without entering a password. If you are worried about insecurity, you can turn off the double-exemption service on the third-party payment platform, and you need to enter a password when paying in flash, regardless of the amount.
2. This ratio is very low. At present, the standard rate of credit card POS card swiping is only to promote mobile phone flash payment. UnionPay will subsidize the rate of POS machines. The amount of a single transaction is less than 1 000 yuan, and the discount is nearly half. Merchants are still very cost-effective.
How to open ABC credit card flash payment
As long as the card or mobile device is close to the pos machine, the credit card with UnionPay flash payment function can complete the payment without entering a password or signing, and it can be easily paid with a flick of the hand. A friend found that his ABC credit card could not use the flash payment function, so how to open the flash payment function of ABC credit card?
1. To use the flash payment function of the credit card, the cardholder needs to open a small confidential visa-free service. The small secret-free visa-free service is enabled by default, and cardholders can take the initiative to close the service later.
2. In order to ensure the safety of funds, ETC credit card of ABC closes the small secret visa-free service by default. If you need to use the credit card flash payment function, you can call the customer service hotline of Agricultural Bank of China at 400-669-5599 to apply for opening a small amount of confidential visa-free service.
3. Pay attention to the red logo of "Flash Pay QuickPass" or the white/black RF ripple logo on the credit card that supports the UnionPay flash payment function. If there is no flash payment sign, the flash payment function may not be supported. For details, please consult ABC Customer Service.
The above is the introduction of how to open the credit card flash payment of Agricultural Bank of China, hoping to help netizens.
How to turn off credit card flash payment
Credit card flash payment can be closed through mobile banking, and the operation method is as follows:
1. Take China Construction Bank as an example, open the China Construction Bank app and click the place indicated by the arrow in the upper right corner.
2. Next, click Security Center.
3. After entering the Security Center page, click Quick Payment Management.
4. After entering the fast payment management page, click on the credit card to turn off the flash payment function.
5. Next, click Stop Authorization at the bottom of the page.
How to open and use the flash payment function of CCB credit card
The flash payment function does not need to be enabled, and it is the payment function that comes with the bank card that supports flash payment.
"Flash payment" is a convenient and quick payment method provided by our bank for customers. The cardholder only needs to hold a Longka China UnionPay Quickpass product or a Longka debit card or IC credit card with the logo of "Quick Pass" printed on the back of the card, and can use the mobile phone or Longka debit card or IC credit card bound to China UnionPay Quick Pass to make payment near the POS sensor area of the merchant that supports (flash payment) transactions.
Turn off the little secret visa-free function of IC debit card.
Dial 95533, select "Personal Business -7 Other Services -6 ATM Transfer Maintenance, Special Withdrawal and Bank Card Transaction Settings-Bank Card Secret-Confidential and Visa-Free Maintenance", and follow the prompts.
Extended data:
1, UnionPay flash payment is confidential and visa-free.
Use UnionPay IC card or Longka China UnionPay Express products in designated merchants to conduct transactions below a certain amount (domestic transactions of 65,438 yuan+0,000 yuan, overseas transactions of 3,000 yuan are subject to local restrictions), without confidentiality and signature. If this function is turned off, you may not be able to make a transaction in a small secret visa-free merchant through flash payment, and you need to insert a card or replace another bank card to make a transaction.
2. Small confidential visa-free limit for bank cards
The domestic single transaction limit defaults to 1 1,000 yuan, with a daily cumulative limit of 3,000 yuan and a monthly cumulative limit of 5,000 yuan. If you need to modify the limit, there are two situations:
1.IC debit card customers can dial 95533 and select "Personal Business -0 Manual Service" to transfer to manual customer service.
2. The UnionPay small secret-free visa-free limit for credit cards cannot be modified.