1. Go through the bank: prepare your ID card, bank card, business license, tax payment voucher, tax registration form, asset appraisal report, income certificate and some cash before going through the process.

2. Handling at bank outlets: Inform bank staff to handle POS business at the counter. Handling POS business requires a savings account of our bank. Then ask the counter staff for an application form for the installation of merchant POS machines. Fill it out and give it to the counter staff.

Location:

POS, which means point of sale in Chinese, is called point of sale information management system. It is a terminal reader equipped with bar code or OCR code technology, which has the function of cashier in cash or barter bank. Its main task is to provide data services and management functions for commodity and media transactions, and to carry out non-cash settlement. POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use.

How to apply for a credit card pos machine

Pos machine application process:

1. Prepare business license, legal person ID card, seal and other materials to the bank;

2. Go to the counter to queue up for business, and then handle the POS machine;

3. Submit the materials and fill in the POS Machine Installation Application Form;

4. The bank will conduct an audit and notify the applicant after the audit;

If approved, the bank will arrange the staff to install POS machines at home.

POS(Pointofsales), which means "point of sale" in Chinese, is called point of sale information management system. It is a terminal reader equipped with bar code or OCR code technology, which has the function of cashier in cash or barter bank. Its main task is to provide data services and management functions for commodity and media transactions, and to carry out non-cash settlement. POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.

fundamental principle

Principle analysis

The basic principle of POS system is to create commodity data in a computer file, directly read the barcode on the commodity through the online structure of the computer cash register and the optical reading device on the cash register equipment (or directly input the code through the keyboard), and then display the commodity information (unit price, department, discount ...) immediately, so as to speed up the cash register and correct it. The detailed information of each commodity sale (price, department, time period and customer level) is automatically recorded and then sent back to the computer by the online framework. Through computer calculation and processing, various sales statistics and analysis information can be generated as the basis for management.

The POS machine reads the magnetic stripe information on the cardholder's bank card through the card reader, the POS machine operator inputs the transaction amount, and the cardholder inputs the personal identification information (i.e. password). The POS machine sends the information to the issuing bank system through the UnionPay center to complete the online transaction, give the information of success or failure, and print the corresponding bill. The application of POS realizes the online consumption of credit cards, debit cards and other bank cards, ensures the safety, rapidity and accuracy of transactions, avoids complicated labor such as manual blacklist inquiry and bill pressing, and improves work efficiency.

The design requirements of magnetic stripe card module meet the needs of three-track magnetic cards, that is, the module should be able to read magnetic cards with 1/2, 2/3 and 1/2/3 tracks.

How to handle the credit card cashing pos machine?

According to the regulations, natural persons cannot handle POS machines, and only enterprises or self-employed legal persons can handle them. The legal person shall prepare a copy of the ID card, a copy of the savings bank card and a copy of the business license, affix the official seal, and take photos of relevant stores. After preparing the information, apply to a formal platform such as a bank or a third-party payment, and fill in the relevant information for review. After the bank or the third-party payment institution has passed the examination and approval, it is successfully handled and installed by the staff.

Individuals can apply for pos machines and find regular first-class service providers. When handling, we must pay attention to the following points:

1, look at the payment license plate, it must be a cleaning machine. At present, POS machines are divided into primary cleaning machines and secondary cleaning machines. The main difference lies in the credit card settlement link. After UnionPay initiates the sorting machine, the bank will directly settle the money to the merchant account (collection account); Many POS machines in Qing Er are owned by Qing Er Company, and there are no payment licenses. These are all payment channels borrowed from Yiqing Company. These Qing Er companies will run away at any time, or be closed down or banned by supervision, and there are great hidden dangers in the safety of funds. Do not use the second washing machine. Therefore, when handling pos machines, you must choose a regular central bank to clear the machine and inquire about the payment license. Only payment companies licensed by the central bank can engage in payment business.

2. See if the credit card rate is in line with the market, and don't covet the low rate. Since the self-funded reform, the normal market is now around 0.6%. Too low a rate seems to take advantage, and credit cards will definitely jump codes, resulting in credit cards being downgraded and banned. The consequences are not worth the loss. As we all know, wool comes from sheep, so from the point of view of raising cards, we suggest that you don't use machines with a rate lower than 0.6%, which is not conducive to credit card withdrawal. There is no free lunch! We can't blindly pursue low rates without considering the consequences.

3. See if there are any local businesses. Many merchants with hand brushes or POS machines cannot locate provinces or cities after swiping their cards. Every time they swipe the card, the code jumps all over the country. If the cardholder has multiple transactions in a short period of time, the system will give you a merchant who will stay in Guanghu and Xi for a period of time, which will inevitably trigger the bank's risk control system. In order to prevent risks, the bank will freeze or seal the card.

4. After-sales service Many people only pay attention to whether the price is cheap and the rate is low enough, but completely ignore the after-sales. Pos machines are not sold at one time. In the process of use, they will encounter many incurable diseases more or less. The most serious thing is that the transaction funds are controlled by the risk of UnionPay or other reasons. If the funds are frozen, the superior service provider must be found and submitted by the service provider to the acquiring institution for unfreezing. Official customer service can only solve some questions, but not written questions.

Let's talk about how to handle the credit card poss machine here.