What exactly is this story like? Can I still contact the manufacturer and sales staff of POS machines? What should merchants pay attention to when using POS machines? What scams exist in POS opportunities? In the past few days, the reporter has interviewed this.
1, the deposit is unexpected. I wonder how much money is left in the POS machine?
1 1 morning 10 or so, when I met Mr. Xiao at the entrance of a clothing city in Chaoyang Street, the provincial capital, he looked sad and said not to save trouble. It turns out that he used to run a POS machine in a bank. At the time of handling, the staff told him that the flow of POS machines should reach a certain amount, and there should be a time deposit of 6.5438+0 million yuan in the bound bank card. Because of the low utilization rate, he went to the bank to stop the machine. However, now consumers' consumption concept is different from before. No matter how much it costs, they have to pay by credit card instead of cash. No POS machine brings a lot of inconvenience to the business. On June 6th last year, 10, a man who claimed to be UnionPay and wore uniform tooling came to the market to set up a wireless POS machine. As long as he pays the deposit of 1500 yuan, he can apply for a POS machine. After half a year of use, the deposit will be refunded in full, and the handling fee is only 3.8‰. So he built one. Unexpectedly, the half-year deadline is approaching, the POS machine can't be used, and the customer service phone can't get through.
In the store, Mr. Xiao showed the reporter the bill for handling POS machines. The reporter saw that one bill was a receipt and the other was a POS merchant information registration form. Both bills are "special seals for POS business acceptance", and there is no relevant bank information. The information displayed on the registration form is Mr. Xiao's registered address, POS machine number, ID card number and mobile phone number, as well as his bank, bank account number and charging rate, in addition to a customer service phone number. The receipt says, "I have received the deposit 1500 yuan from XXX for mobile POS machines, and the deposit 1500 yuan will be returned once every six months". Seeing that the half-year deadline of April 16 is coming, Mr. Xiao said that since April 1, the POS machine suddenly can't be used, and the customer service phone can't get through. "The money brushed through the POS machine usually arrives in 48 hours. I don't know if there is any money in my machine now. "
2. For this kind of POS machine and her wholesale insoles.
In the same shopping mall, Ms. Shi, who handled the POS machine on the same day as Mr. Xiao, also operates insole wholesale. The bill she took was the same as Mr. Xiao's, but the contents on the merchant registration information form were different. Mr. Xiao and Ms. Shi use the same POS machine with the words "Xindu" on it.
What happened to the POS machine? After Mr. Xiao turned on the POS machine, the POS machine displayed "Please enter your mobile phone number to sign in". When Mr. Xiao finished entering the mobile phone number, the POS machine prompted "Wrong number length! Please re-enter! " After that, the word "Not logged in" has been displayed. However, after Ms. Shi's POS machine shows the mobile phone number, the prompt is "Please insert the mobile phone card and press OK to redial". Ms. Shi said that after swiping the card on the POS machine, the money will be transferred to her account in two days, and the daily flow in the store is about 3,500 yuan. April 1 The money swiped two days ago hasn't arrived yet, and she hasn't calculated how much it is.
On the merchant information registration form, the reporter saw the customer service phone number and the mobile phone number of the manager. Mr. Xiao and Ms. Shi said that neither phone could be reached. "We haven't called the police. We want to wait and see. What is the situation? "
During the interview, the merchant said that some people did come to sell POS machines in the past two days, but they were all driven out by the mall security guards. This has also been confirmed by the reporter from the security department of the mall.
So, how do other businesses in the mall deal with POS machines? The reporter also consulted two other merchants in the mall. They both said that they all went to the bank counter because they felt that the POS machines sold at home were unsafe.
After comparing the bills printed by the bank POS machine with those printed by Mr. Xiao, the merchants found that the bills printed by Mr. Xiao using the POS machine were simpler, and there was no bank information on them, only the words UnionPay.
In fact, the materials needed to go to the bank and sell POS machines at home are different. Mr. Xiao said that when he came to the door, he took photos of his ID card and business license, but the merchants who went to the bank said that they would bring the originals of these things and the original tax registration certificate, and the bank would keep a copy, and the payment time of the bank POS machine was 24 hours, not 48 hours.
3. For the third-party payment company, the phone is either down or nobody answers.
There are two telephones on the merchant information registration form, one is the customer service telephone number of 400, and the other is the mobile phone number of the manager Zhang Chunguang 170. Of these two phones, one has been shut down and the other has been suspended.
How to contact the manager's unit? On the back of the POS machine, the reporter saw a logo of the POS machine with power supply, machine number and Shenzhen Xinguodu Technology Co., Ltd., and then the reporter contacted the customer service of Xinguodu. Through the machine number 1 1 on the back of the POS machine, the staff said that the POS machine used by Mr. Xiao and Ms. Shi had been sold to a third-party payment company, Shenzhen Jia Lian Payment Co., Ltd., and the other party gave a 400 from Jia Lian Payment Co., Ltd., then the reporter contacted the customer service of Jia Lian Payment Co., Ltd., and dialed for two days continuously, always prompting the customer service to press 1 to continue waiting. After waiting for nearly two hours, the reporter inquired about more than ten telephones of Jia Lian Payment Co., Ltd. through local 1 14 and the Internet, but no one answered.
4. installing a POS machine can't save things. Be sure to find a regular bank.
How to solve the problems encountered by Mr. Xiao? The reporter learned several times that the POS machine belongs to UnionPay. Subsequently, the reporter contacted the customer service department of UnionPay Business Shanxi Branch, and the staff said that they would feed back the information to the relevant departments.
Subsequently, the reporter contacted lawyer Yan of Shanxi Jinyun Law Firm. She said that when Mr. Xiao had an agreement with the staff who installed the POS machine, there was a deposit of 1500 yuan, which means that both parties signed an agreement, whether buying or renting it, it was also a system. If the POS machine doesn't work, he should find the other party. First, let him change the POS machine or repair it, or find the other party to cancel the contract and refund all the deposit. If you can't contact the staff at that time, look for the manufacturer of POS machines. As a merchant, we should also look at the brand of POS machines. Because POS machines must be charged through the bank's platform, a certain handling fee will be charged, some of which will be returned to the bank and some to the dealer. If the manufacturer can contact, you can communicate with the manufacturer to return the goods for maintenance. However, if the merchant can't find the manufacturer, it means that there is a certain financial fraud, which can only be solved by reporting it through the criminal police department. In addition, lawyer Yan reminded merchants that when installing POS machines, first of all, merchants should know that the dealers of POS machines are indeed legally operated enterprises, and secondly, they should know that the production and sales of machines are legal, not three products; The third is to know the performance of the machine, see the cost after the machine runs, and see if you can bear it, because some machines have high costs. If the merchant thinks that there are many people who swipe their cards and don't care about the cost, they can also install them. Moreover, when installing POS machines, businesses must go through relevant formalities with regular banks, so that they can be guaranteed.
Extend the interview
Banks will not charge a deposit for POS machines.
How do banks handle POS machines? The reporter visited five banks. According to the relevant staff of the bank, banks do not need to charge a deposit for POS machines. Customers need to hold business license, bank card, organization code certificate, tax registration certificate, legal representative ID card, and have legal business qualifications. Come to the bank to apply. The staff will give the information provided by the customer to the sub-branch and then proceed to the next step. Among them, the Postal Savings Bank said that for some merchants, the bank will send staff to the door for installation without any deposit; China Bank only handles enterprises, as long as it verifies the merchants of enterprises, it will handle them; China Construction Bank charges according to different industries. The staff of ICBC said that the transaction amount of merchants on that day could not exceed 1 1,000 to 20,000 yuan, otherwise the transaction would not be successful, and the single amount could not exceed 3,000 to 5,000 yuan. In addition, they will personally go to the door to install, verify the information of the merchants, and then sign the agreement and affix the official seal of their bank.
POS machine owners may also encounter such a scam.
The POS machine can repay the credit card account, so Mr. Chen, the POS owner, lost 5,000 yuan. Mr. Chen runs a small supermarket. There is a POS machine in the shop. After a long time, his frequent customers are familiar with it. Last summer, a frequent visitor came to Mr. Chen's shop and asked him to return the credit card on his behalf, and the handling fee incurred was paid by the other party. "Of course, I asked him that the handling fee was more than that charged by the bank, and I couldn't help him for nothing." Mr. Chen said that he went back and forth several times. One day, the other party asked him to pay back 5000 yuan, put his credit card and password there, and let him brush it out half an hour later. We are all acquaintances and don't care much. Who knows how to brush the money in half an hour? After that, the other party never went to his shop again.