Lakala, also known as Lakala, is a new UnionPay smart payment terminal (a tool that can be used for credit card repayment and public utility payment services). There are currently two forms (1) installed on Lakala Credit card payment terminals (2) in convenience stores can be installed on credit card telephones at home. There are about 5,000 outlets in Beijing and Shanghai that accept credit card repayments. In Beijing, they are mainly concentrated in supermarkets and laundries under various communities and office buildings. , lottery stores, cigarette stores, Kodak stores, pharmacies, I Love My Home, etc. Detailed address: In Shanghai, they are mainly concentrated in convenience stores such as Kuai Ke, Haode, Guangming, and Histo. The credit cards that can be repaid are: The following two Bank credit cards can be repaid on the last payment day, and the credit limit will be restored in 2-3 working days. China Merchants Bank Credit Card, Ping An Bank Credit Card. Credit cards of the following banks must be repaid 2-3 working days in advance: (When repaying, please pay attention to the time as early as possible to avoid late payment fees.) Shenzhen Development Bank, China Minsheng Bank, China CITIC Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Shanghai Pudong Development Bank, Industrial Bank, China Everbright Bank, Hua Xia Bank use Lakala to return Guangdong Development Bank Card Please allow at least five working days. Repayment method: Use any bank's debit card (deposit card) with the UnionPay logo to transfer funds to a credit card. It can be transferred across banks. There is currently no fee. Also note that foreign currency repayment transactions are not supported.
The main functions of this machine: Credit card repayment: China Merchants Bank, Shenzhen Development Bank, Ping An Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, CITIC Bank, China Everbright Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank , Guangdong Development Bank, Huaxia Bank Credit Card. Repayment method: Use any bank's debit card (deposit card) with the UnionPay logo to transfer to a credit card. It can be transferred across banks without any fees. Bank transfer: Shenzhen Development Bank, CITIC Bank, China Everbright Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, Guangdong Development Bank, Hua Xia Bank, Bank of Communications, Bank of Beijing, Beijing Rural Commercial Bank. Bank card balance inquiry: Except for China Construction Bank, other banks are available
Mobile phone recharge cards: China Mobile, China Unicom, PHS (China Netcom fixed-line), etc. Game recharge cards: Q coins, Perfect World, World of Warcraft, Kart Racing and more than 50 types. Movie tickets: Beijing UME Huaxing Cinema, Beijing Xindongan Cinema, Beijing Changhong Cinema, Beijing Xingmei International Cinema, Beijing China Film Cinema.
Soon to be opened - Wangjing Xingmei International Cinema, Beijing Souxiu Cinema, New Century Cinema. Other functions: ordering air tickets, flowers, cakes, etc. In addition to bank transfers and bank card balance inquiries, other items are profitable. Installation conditions: Necessary conditions for a store in Beijing: Landline phone from China Netcom or China Telecom. Telstra phone, public phone cannot be used. China UnionPay, Commercial Bank of China, Lakala Electronic Payment Co., Ltd. and many other partners have jointly launched this service. The "Universal Convenience Plan" was officially launched.
It is reported that the "Universal Convenience Plan" will launch 10,000 new UnionPay smart payment terminals in Beijing and Shanghai by the end of 2007, and sign contracts for 10,000 "Universal Convenience Service Outlets". With a new payment model, it provides residents in both places with convenient services including credit card repayment, mobile phone recharge, and Lakala bill payment.
According to Sun Taoran, President of Lakala Company, the brand-new concept of “universal convenience outlets” are widely distributed in convenience stores, grocery stores and other stores in office areas and residential areas, and are equipped with self-service banking services (including UnionPay card interbank payment). Transfers, self-service credit card repayments, etc.), public utility payment services (including electricity bills, gas bills, water bills, etc.), Lakala bill payment services and industry application services and many other functions. In addition, Lakala has also cooperated with many well-known Internet brands such as Ctrip and Dangdang to create a new convenient sales method of "product catalog-call center-bill payment", achieving a seamless connection between e-commerce and traditional convenience stores. Consumers only need to call the toll-free number and go to a nearby "universal convenience outlet" to swipe their card to easily solve a series of problems such as payment and consumption.
The following is related content: Q: I made a credit card repayment, why can’t I find my repayment record in phone banking or online banking that day? A: Use UnionPay card swiping phone to make repayment transactions. Once the interface shows that the transaction is successful, you Your credit limit will be restored immediately, and the money will generally arrive in your account two days later. After arrival, your repayment record can be checked in telephone banking or online banking. As long as you complete the repayment of your CMB credit card using your card swiping phone before the final repayment date, you will not be liable for any late payment fees.
Q: I have enough balance in my bank card, why can’t I make credit card repayment? A: The UnionPay credit card phone number can accept repayment transactions from China Merchants Bank All-in-One Card or cards from other banks to China Merchants Bank credit cards. When using a card from another bank to repay, it is regarded as an inter-bank transfer transaction. Due to the different online banks in various regions, the bank cards that can be used for repayment business are different in each region. Please refer to the actual local conditions. You can log on to the China Merchants Bank credit card website and go to the "UnionPay ATM inter-bank transfer" introduction in the "Credit Card Repayment" section of "Hot Issues" to check the banks that can transfer funds and repay the money to China Merchants Bank's credit card.
Q: What are the fees for repaying a China Merchants Bank credit card? A: All China Merchants Bank all-in-one cards (debit cards) with different account names across the country can repay a China Merchants Bank credit card without any handling fees. If you want to repay a CMB credit card with a debit card from another bank, you need to consult the bank from which you transferred it.
Q: Which cards can make repayments to CMB credit cards? A: CMB all-in-one cards (debit cards) from all over the country and with different account names can make repayments to CMB credit cards. Currently, other bank cards that can be used for repayment transactions in Shanghai are: Minsheng Bank Minsheng Card, Industrial Bank Debit Card, Guangdong Development Bank Debit Card, Shenzhen Development Bank Debit Card, Pudong Development Bank Oriental Card, Rural Credit Cooperative Debit Card Card.
Q: If you enter the wrong bank card number, will the money be transferred to someone else's account? A: The bank card number has a verification mechanism (the probability of error is very small), and the system will automatically judge. If you enter the wrong digit, it will definitely It will be checked out as an incorrect card number. There will also be a prompt message for reconfirmation of the transfer account, please confirm.
Q: Can the repayment business support non-local cards, supplementary cards and co-branded cards? A: The credit card (payee) for repayment can support non-local cards, supplementary cards and co-branded cards.
Q: Can all credit cards provide repayment by phone? A: The currently opened credit card repayments only refer to China Merchants Bank credit card repayments. UnionPay cards that support inter-bank transfer business (including China Merchants Bank All-in-one Card for repayment to China Merchants Bank credit cards) currently support transfer-out bank cards including China Merchants Bank All-in-one Card nationwide, Bank of Communications, China Everbright Bank, Shenzhen Development Bank, China CITIC Bank, and China Guangfa in Shanghai. Banks, China Minsheng Bank, Hua Xia Bank, Shanghai Pudong Development Bank, Bank of Shanghai and Shanghai Rural Commerce Bank will charge inter-bank transfer fees in accordance with UnionPay standards for bank card transfers other than China Merchants Bank.
Q: How to check bank card balance? A: Bank card balance query supports all UnionPay cards (including foreign cards), and the password you enter must be the ATM withdrawal password.
Q: Can it support foreign currency cards? A: Foreign currency transactions cannot be performed on the card swiping phone.