It can be judged mainly from the card surface and observe three points:

1. Credit card type: Credit cards are divided into magnetic stripe cards and IC cards. Only IC cards have the quick pass function. There is no magnetic stripe card. These two types of credit cards can be judged from the card swiping method. IC cards are inserted into the card slot on POS machines for transactions, and magnetic stripe cards are swiped in the card slot.

2. Credit card logo: Quick Pass credit cards are marked on the card, usually with "Quick" on the back of the card, indicating quick transactions.

3. Credit card organization: Quick Pass is a function of UnionPay. Only UnionPay cards have Quick Pass function. Visa and MasterCard do not have it. UnionPay cards all start with 62, and the number on the card is It has the words UnionPay.

In fact, Quick Pass is not only possible with Quick Pass credit cards. Non-Quick Pass cards can also be realized with the help of NFC-enabled mobile devices. However, it should be noted that credit card Quick Pass is free for small amounts by default. With the password-free function, even if you make a transaction with a password, as long as the amount of a single card swipe is less than 1,000 yuan, you can make the transaction without a password. Friends who mind can choose to turn off the double-free function.

Advantages of Credit Card Quick Pass Function

Credit Card Quick Pass is a contactless payment application, which has the advantages of fast payment and no password for small amounts. However, it can only be used under two conditions. Quick Pass.

One is a credit card with Quick Pass function, that is, Quick Pass credit card; the other is a UnionPay POS machine with Quick Pass logo. Both conditions must be met at the same time, otherwise Quick Pass cannot be used.

QuickPass is one of UnionPay’s industrial brands, marking UnionPay’s contactless payment products. It is used in payment applications such as PBOC2.0 contactless IC cards and has the characteristics of fast small-amount payments. Users purchase goods or services, confirm the corresponding amount, and use a financial IC card with the "Quick Pass" function (the card has the words "Quick Pass" in Chinese and "QuickPass" in English) or a UnionPay mobile payment product that supports UnionPay "Quick Pass" "On the contactless payment terminal, you can quickly complete the payment with a simple swipe.

Generally speaking, if the single amount does not exceed 1,000 yuan, there is no need to enter a password or signature. Contactless "Quick Pass" terminals mainly cover daily small-amount quick payment merchants, including retail establishments such as supermarkets, convenience stores, department stores, pharmacies, and fast food chains, as well as public places such as wet markets, parking lots, gas stations, and tourist attractions. service areas.

Small-amount password-free and visa-free business is a business developed based on highly secure financial IC cards, which is both convenient and safe. Statistics show that since the launch of the business in 2015, the risk ratio has been 2 in 10,000, which is far lower than the industry average transaction fraud rate of 1.16 in 10,000.

In April 2019, China UnionPay and Commercial Bank *** jointly launched a new round of notification services, providing a one-click switch function for small amounts to be free of charge. On April 6, 2019, China UnionPay has cooperated with commercial banks to establish an online fast claim settlement channel and launched a fast claim acceptance function in the Security Center of the UnionPay APP. For double-free theft losses incurred by normal card users, all losses can be confirmed and verified. Get paid in full.

In order to safeguard the legitimate rights and interests of cardholders, ensure the safety of funds, and further intensify the crackdown on criminal activities of UnionPay card fraud, UnionPay has also established a "Pirate Reporting" reward fund for the Quick Pass dual-free business. , encourage cardholders to actively report criminal clues about theft of Quick Pass dual-free business, and unite the public security department and all parties in the industry to jointly crack down on criminal acts of theft.