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Is it better to pay by flash or directly by credit card? Compare two aspects.
; There are many payment methods for credit cards, such as flash payment and direct credit card swiping on POS machines, but many friends insist on comparing these two methods and ask, "Is it better to use flash payment or direct credit card swiping?" Let's talk about it today

This should be compared from two aspects, one is convenience and the other is rate.

First, convenience:

Relatively speaking, flash payment is certainly convenient. As long as the credit card is bound to the mobile phone, it can be placed at home, avoiding the loss of the card. If you swipe your card, you can directly take your mobile phone to investigate the QR code payment page paid by the third party, turn on the NFC function of your mobile phone, and complete the transaction with one click near the flash payment POS machine.

If you swipe your card, you should take out your credit card and trade it on the POS machine. The magnetic stripe card needs to be swiped, and the chip card needs to be inserted. If the password transaction is set, you have to enter the password. However, some chip cards are flash payment cards, which can also be used for flash payment and double exemption. If the single transaction is less than 1000 yuan, the password transaction can be skipped.

Second, the rate:

The rates of flash payment and credit card payment are different.

Flash payment is a mobile payment method of UnionPay, and the rate is subsidized by UnionPay. If the single payment is less than 1 000 yuan, the handling fee will be charged according to the rate of each payment. Direct credit card After the fee change, the credit card rate is capped. The standard rate is for each transaction, but it doesn't really make much difference to the cardholder, because the credit card handling fee is borne by the merchant. However, if you use a POS machine to raise your card, it is obviously more cost-effective to use flash payment. But you can't always pay in flash, otherwise it will be easily controlled by the wind. It is best to combine flash payment and credit card consumption.