Can smart refund software ensure the safety of funds and cards? Let’s analyze it from three levels. First, let’s understand what a primary cleaning machine is and what a second cleaning machine is.

Yiqing directly connects merchants with UnionPay or payment companies, so the safety of funds is guaranteed! All customer information of Yiqing products is collected by the payment company. Jinguanjia Company does not have any information in its hands. Even if it wants to be stolen, it cannot be stolen. It cannot get any user information at all! Therefore, Jin Guanjia users don’t have to worry about fraud or fraud when using Jin Guanjia. They can just use it normally. Don’t understand it? It doesn't matter! The picture below will help you understand in seconds!

Second clearing means that UnionPay or a payment company first pays the settlement amount from the POS machine to a certain person or a certain company, and then the company or individual settles the payment to the merchant!

We analyze the security issues of Jinguanjia from three levels

1. Fund security issues

2. Card security issues

3. Information Security Issues

The first point: Fund security issues. When we use POS machines to make purchases, we need to provide a savings card as a settlement card. Now Golden Butler has replaced the settlement card with your credit card with the same name and the same name. Let’s take a look at the direction of credit card funds. First, Jin Guanjia consumes the money in the credit card through consumption. UnionPay helps us complete this consumption. The money enters the UnionPay clearing process. In the UnionPay reserve account, UnionPay clears the funds. to your credit card, so the money swiped from the credit card will be settled directly and returned to your credit card. Golden Butler did not touch the funds during the whole process, so do you feel safe? Take a look at the capital trend chart to facilitate us to sort out and keep in mind the relationship between capital trends.

The second point: There may still be many people worried about card security issues. Will using our Golden Butler cause problems such as card blocking and derating? First, let me spread some knowledge to everyone. Generally, the first choice of customers is the one with lower rates and cheaper credit cards. This is understandable, but the one with low rate may not really be good. After the fee reform on September 6, 2016, the central bank completely canceled the cap and reclassified merchants into three categories: standard, preferential, and public welfare.

The first standard category: merchants for daily consumption, including all aspects of clothing, food, housing and transportation, with a standard handling fee of 0.6, which is the full handling fee stipulated by the bank. When you swipe your card at this type of merchant, the bank's profits are the greatest. If you swipe a card worth RMB 10,000, the bank will earn RMB 42.

The second category is the preferential category: large warehouse supermarkets, stores, water, electricity and gas payment and transportation ticket sales. There is a handling fee of 0.38. If you swipe your card at preferential merchants, the handling fee will be discounted. The bank's income will also be discounted. If you spend 10,000 yuan, the bank will earn 26 yuan. The third category is public welfare: including non-profit schools, hospitals, public security agencies, and public institutions. The rates are all 0, and such merchants don’t need to pay any handling fees. If you swipe a card worth RMB 10,000, the bank will earn RMB 0. It is safe to use the card because all the channels of the payment companies we use are all real standard merchants. For every purchase made at Jinguanjia, the bank actually receives the full handling fee.

The third point: Information security issues. You cannot tell others the three digits behind your credit card at will. How do we complete consumption without entering a password? First, we open the authorization agreement payment business, and our personal information When entering, go to the payment company. The third-party payment company is a formal institution regulated by the state, so it is very safe.

Customer information does not go through the Golden Butler Company. When you enter the CVV code, you will be redirected to the payment company's interface. Because of this problem, the country is now very strict in supervision, and now the business form has been regulated by the country. Standardization has become an agreement payment business where the payment company channel directly signs an agreement with the user, so now the name of the business has become agreement payment, instead of the original secret-free payment business. The state has already put an end to the arbitrary deductions you are worried about.

The above is what I have introduced to you about "Is it safe to repay funds with a credit card?" I hope this article I compiled will be useful to you.