First choose the brand. First, determine the brand to apply for POS machines, such as the POS machines of three-party payment companies such as Lacarra, Kaidianbao, Yinshengtong and Ruiyinxin, or banks such as China Industrial and Commercial Bank and China Bank. Only by determining the brand of POS machine can we decide what channel to buy next. Each payment brand has different channels for handling POS machines.
The second processing channel. One is that a paying company buys in official website, which can ensure safety and regularity, but it may need to pay a certain fee. Second, through the payment company's agents, the POS machines bought by regular agents are as formal and safe as those directly bought by official website, and there is no difference. The only difference is that it may be more cost-effective to buy through agents, because agents may have staged activity prices in order to handle more POS machines, and some machines can be handled directly without cost.
The third safety tip. Need to remind everyone that POS machines belong to collection equipment involving the safety of funds. Be sure to go to a formal institution when handling it. Don't be greedy for cheap access to machines with unknown sources and low rates. Some illegal profiteers handle POS machines without UnionPay security certification or install++card devices in credit card readers to steal credit card information, which is extremely harmful. Please pay attention.
Individuals can't buy it, they can only apply to the bank:
1. Fill in the application form submitted by the merchant.
2. Information provided by merchants
3. UnionPay business or bank completes the merchant survey and signs the agreement.
4, China UnionPay local branch network approval.
5. China UnionPay local branch opened.
6. Local UnionPay business provides on-site installation services for merchants.
Bank merchant POS machine processing steps are as follows:
A, fill in the application form submitted by the merchant
B. Information provided by merchants
C unionpay commerce or bank completes the merchant survey and signs the agreement.
D, China unionpay local branch for network access approval.
E. Opening of China UnionPay local branch
F local unionpay business provides on-site installation services for merchants.
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I. Qualification documents required for applying for pos merchants of Agricultural Bank of China:
1, valid documents for foreign business or service, such as business license.
2, the legal person (person in charge) valid identity documents.
3. Bank settlement account
4. Other supporting materials (provided by merchants only). General taxpayer qualification certificate, franchise license, information on the actual controller, controlling shareholder and beneficial owner used to issue special VAT invoices, etc. The original and photocopy of the above materials shall be provided, and the photocopy shall be stamped with official seal or signature. Copies of the above materials must be clear and stamped with official seal and legal person signature.
Second, do you handle the pos inquiry?
The bank will check your credit report to see if your credit meets the requirements. If there are bad records in your credit report, then you can't apply for a POS machine.
Of course, the bank will definitely check whether your business is true or not, and whether there have been cases of poor management and bankruptcy. The bank will send staff to conduct on-site inspection and take photos for archiving.
Of course, it will also check whether you have handled POS machines in other banks and whether you have cashed in.
3. What is the rate of pos machines?
According to the current standards, if it is the standard debit card of China Bank, the pos card swiping rate is 0.2%, that is, 20 transactions are capped, the credit card swiping rate is 0.6%, the Agricultural Bank's standard debit card pos card swiping rate is 0.38%, the credit card swiping rate is 0.38%, the Industrial and Commercial Bank's standard debit card pos card swiping rate is 0.5%, and the credit card swiping rate is 0.5%. The credit card rate of CCB standard debit card pos machine is 0.5%, credit card rate is 0.3%, Bank of Communications standard debit card pos machine is 0.5%, credit card rate is 0.6%, Ping An Bank standard debit card pos machine is 0.335%, and credit card rate is 0.633%.