Whether "cardless payment" with a credit card is safe, the users have the most say. I have used several cardless payments and summarized how to find reliable cardless payment methods:< /p>

Section 1: Micro

The reason we use Micro as the title here is because many of the cardless payments we see on the market are based on QR code payment, and this QR code Most of the main payment methods are using WeChat QR codes. You would definitely say that WeChat QR codes can only be used to swipe debit cards? In fact, the WeChat QR code formed by cardless payment can be bound to a credit card, and the money in the credit card can be used to pay. If it is bound to a savings card, the money can be transferred to the savings card. The common payment method in most cardless payment channels is to use WeChat QR code.

Section 2: Letter

Let’s talk about letter next. In fact, letter is just a matter of security. Cardless payment is safer than other payment methods we used in the past. Why do you say that? Many people think that it is safer to use a chuck and see the physical machine. Actually, it's not, because since there is no card, how can I swipe the card? To swipe a card, you need to enter the credit card information. If you have the physical card in your hand, there will be no problem of your card being counterfeited. Once you use a counterfeit card for transaction, the card-not-present payment system will report a system error. If the card cannot be swiped, this is also a kind of protection for the person who swipes the card.

Section 3: a

A means that unlike the POS machine payment we used in the past, the difference between mobile POS machine payment is that cardless payment is generally It is an APP software downloaded on the mobile phone. No card is required. As long as there is an Internet connection, the card can be swiped. This is one of its characteristics.

Section 4: 0

The understanding here is that once the credit card rate is determined, the rate will not increase again. Even if you communicate with the agent, you can adjust it appropriately. Reduce the card swiping rate. In other words, the rate for paying without a card will only fall but not rise. As we all know, after UnionPay unified its rates on September 6, the rates for everyone’s credit cards are generally between 0.72% and 0.75%. It should be said that this is a very expensive rate, but this is also a reality and there is no way around it.

Section 5: 5

What is said here is that cardless payment generally has five different channels, but its core is three, one is two-dimensional There are code channels, one is a UnionPay channel, and the other is a similar online transaction channel. Just these three kinds. Of course, these three kinds can also be fissioned. Generally speaking, they will fission into five kinds.

Section 6: 4

The 4 here means that cardless payment has actually existed for 4 years. Cardless payment is a brand new credit card The payment method is a method that has just emerged, but technically speaking, it has a history of nearly 4 years. Although many people dare not try it, the foundation is relatively mature.

Section 7: 6

This means that in addition to the card swiping function, it also has other functions, such as balance management and violation inquiry functions. There are generally six functions on the market. other functions. Of course, more functions do not mean better. As for the above credit reporting function, it is recommended that you do not use it, because too many credit reporting checks will only do harm to your credit reporting, but no benefits.

Section 8: 7

What I need to tell you here are the 7 misunderstandings in the use of cardless payment. Misunderstanding 1: Do merchants change every day? What needs to be said here is that transactions through the cardless payment channel are actually online transactions, and there is no problem of merchant changes at all. Misunderstanding 2: Using this thing does not protect the card. In fact, when choosing a card now, it’s not just about the rate, but also the points. The most important thing is your card usage habits. If your card usage habits are not good, you will not be able to maintain your card no matter how good your points and rates are. Misunderstanding 3: The account cannot be credited immediately. It should be noted here that this is the case for some cardless payments, but not all. It is recommended to ask about the situation before using it, and this channel is also different. Misunderstanding 4: Will cardless payment conflict with mobile POS terminals? Don't worry, this doesn't conflict. Misunderstanding 5: Using this product will make you lose orders. Dropping an order simply means that the money is not in your account. This problem actually exists in traditional credit cards, but this problem can be solved if the customer service is strong enough. Misunderstanding 6: There is something wrong with some channel quotas.

In fact, the limit is a good thing. If you always use one channel and do not have diverse consumption patterns, it will definitely not be good for the card. Misunderstanding 7: If you use this card too much, the card will be blocked. After the UnionPay rate adjustment on September 6, there is no capping machine. If the card is empty for a long time, the so-called empty card means that the credit card will always be in a state of no money. This It's just an empty card. If the card is empty for a long time, it will face the problem of derating and blocking the card. It doesn’t matter whether you use more or not.

Section 9: 9

The meaning of 9 here means that you should try to swipe your card after 9 a.m. In addition, there is generally a function of applying for cash withdrawal. It is recommended that you use it The withdrawal time is arranged after 9 o'clock, because this can ensure that the money can be received on the same day, because sometimes UnionPay's system is also under maintenance, and if there is system maintenance, the payment may not be received in time.

Section 10: 5

The meaning of 5 here means that the credit card payment should be completed before 5 o'clock in the afternoon, because the bank settlement is basically completed after 5 o'clock. , I’m not saying you can’t swipe your card after this time, but try not to swipe large amounts. Otherwise, it won’t be of much help in maintaining your card