POS is a tax registration certificate required by every bank (it is required by unionpay company) (credit card and debit card can be swiped, but the arrival time is T+1, that is, the next day). But if you don't want it, you can apply for that telephone terminal (every bank has it). Don't take that one. But you can only use a debit card, but not a credit card. Easytong (telephone terminal) of Bank of Communications can also receive accounts in real time, transfer money and repay credit cards. Other banks can still do it. Please use as the answer, thank you.