. To pay by credit card, you can start online credit card online banking first, and then recharge Alipay through credit card online banking, and you can use it normally.
As for whether there are merchants who support credit card transactions, it depends on the merchants themselves. You need to contact the shopkeeper, but be careful. It is recommended that Alipay pay, which is safe for both parties.
How to automatically repay credit cards
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In order to avoid the embarrassment of forgetting to repay, many cardholders choose to open the automatic repayment function, thinking that the automatic repayment function is the "master key". As everyone knows, even if the automatic repayment function is opened, they will still face the dilemma of repayment failure.
Don't forget to pay back the money when you use the credit card. If you are careless and fail to repay in time, you will bear interest and liquidated damages. What's more, there will be credit stains, which will affect buying a house and a car in the future.
Let's see, under what circumstances, credit card automatic repayment will fail?
1, the balance in the savings card is insufficient.
The so-called automatic repayment means that your credit card account is bound to a savings card account, and there is enough money in the savings card memory. When the deduction date is determined, the bank will automatically deduct the money from your bound savings card account to repay the credit card. If the cardholder chooses to repay in full, how much will the bank deduct from the current bill; If the cardholder chooses to repay according to the minimum repayment amount, the bank will deduct the minimum repayment amount.
A typical case is that the cardholder binds his salary card account to an automatic repayment account, which can be used to automatically repay the credit card after paying the salary every month. However, once you encounter special circumstances, such as the delay of the company's payday, it may affect your credit card repayment. In this case, the cardholder needs to repay the money manually in advance.
Some cardholders are not bound with salary cards, so there is no fixed inflow of funds in the savings card account for automatic repayment at this time, and the cardholders need to deposit it themselves. This requires cardholders not to make overdue deposits, and at the same time ensure that the amount deposited is greater than the amount that needs to be repaid. If the cardholder has used the credit card to withdraw cash in the billing month, then the cardholder needs to pay special attention. Credit card cash withdrawal transaction has a handling fee and does not enjoy interest-free period. Interest will be calculated from the date of withdrawal. Therefore, when you deposit money in the savings card, you should take the withdrawal fee and interest into account.
2. There is a limit to inter-bank automatic repayment.
Many times, the cardholder's credit card issuer and savings card issuer are not the same bank, so if you want to open the automatic repayment function, it involves the "inter-bank automatic repayment" business. So far, many banks have been able to automatically repay loans across banks, and they have also contacted a number of cooperative banks. As long as you have a savings card account in prime bank, you can repay your credit card across banks.
However, inter-bank repayment is not a random transfer repayment, but a trading limit. Generally speaking, credit card issuers will not set a repayment ceiling for debit cards bound to their own banks, but the maximum repayment amount of debit cards bound to other banks should be less than a certain amount. Once the cardholder's repayment amount is higher than this limit, it may lead to repayment failure.
3. Foreign currency consumption and foreign currency entry
There is also a special case where the cardholder holds a foreign currency credit card, which is used to account in foreign currency in consumption abroad and is not automatically converted into RMB. Previously, dual-currency credit cards issued by banks often involved this situation. In this case, it is often necessary for cardholders to purchase foreign exchange to repay foreign currency consumption, so the automatic repayment function is not enough. Because the automatic repayment function can only repay RMB bills, but not foreign currency bills, the cardholder needs to repay them manually.
These are some small pits hidden in the automatic repayment function of credit cards. If you want to avoid these pits, the shopkeeper pays the bill. I suggest you:
1, try to choose to bind the peer savings card account for automatic repayment, so as to avoid the inter-bank repayment restriction;
2. On the due repayment date, you can check whether the automatic repayment has been successful. Once it is found that it has not been repaid, it will be repaid by other means in time;
3. Pay attention to WeChat reminders. Now basically all bank credit cards can be bound to official WeChat. Every transaction, including repayment, will receive WeChat reminder. Pay attention to the WeChat reminder and make clear whether the repayment is successful.
As a new mobile payment method, payment without card is made by the payer through the Internet, mobile Internet, wireless local area network and other channels. With the increasing popularity of mobile payment, cardless payment has become more and more familiar in recent years. In today's environment, what is the prospect of card-free payment agents? What is the profit margin of being a card-free payment agent? The shopkeeper pays the bill for everyone to answer in detail.
What is the prospect of card-free payment agents?
Answer 1: On March 5, 20 18, the Prime Minister's government work report mentioned for the first time that mobile payment, high-speed rail, e-commerce and sharing economy jointly lead the world trend. Mobile payment has become the business card of China's new economic development. Furthermore, the views of the representatives of the two sessions on mobile payment can be summarized as: promoting the development of mobile payment, strengthening supervision and preventing risks. In any case, in today's environment, our government undoubtedly supports the development of mobile payment.
Answer 2: Alipay, WeChat and other third-party payment giants are actively promoting the process of cashless society, at the expense of huge amounts of support and subsidies.
Answer 3: It is convenient to pay without a card. In today's fast-paced lifestyle, it conforms to the needs of the times, so card-free payment will be greatly welcomed by the market.
Answer 4: According to official data, it is estimated that by 2020, the transaction scale of the third-party mobile payment market will exceed 1 1,000 trillion yuan, which is a huge payment market with a trillion-dollar transaction volume. It can be seen that there are unlimited business opportunities for card-free payment!
Therefore, becoming a card-free payment agent has a bright future.
What is the profit margin of being a card-free payment agent?
1: hardware revenue of payment agent without card
Intelligent POS machines, intelligent checkout counters supporting intelligent static code analysis, multiple payment channels, static code analysis boxes ... and other hardware, the ex-factory price of the company gives our cardless payment agents the greatest support. In addition, a lot of material support will enable our card-free payment agents to have higher profit margins on the basis of providing perfect hardware support for access merchants.
2. Pay the agent's commission share without card.
Official website's third-party payment channels provide all-round security for merchants' funds. A lot of flowing water makes our card-free payment agents have rich commissions, which is an indispensable part of the later profits.
3. Development and customization of card-free payment agent
Card-free payment agents paid by shopkeepers can realize customized development according to the needs of different businesses, give agents all-round technical support, and let our card-free payment agents quickly open the local card-free payment market.
4. Intelligent marketing of card-free payment agents
Through the hardware that the shopkeeper pays the bill, not only can our merchants easily realize mobile payment and collection, but also through the big data in the background, our access merchants can realize intelligent marketing, and through the powerful marketing system of cloud payment, it enriches the profit mode of our cardless payment agents.
At the same time, one-on-one operation support and customer service maintenance make our cardless payment agents have no worries in the later market development process!
Hope to adopt. Good luck.
Where can I see if Taobao sellers support credit card payment?
There will be a credit card icon when you buy it. You can support it if you have it. Please ask the shopkeeper for details.
Is the letter shopkeeper credible?
Be credible
Is a convenient online payment software, which cooperates with major banking institutions to provide a variety of credit payment services. Whether you apply for a credit card or a loan, you can complete it with one click, which is not only fast, but also thoughtful. In addition, you can transfer money and remit money at any time.
key property
1. Pay by mobile phone;
2. Support transfer and remittance;
3. Withdraw cash online at any time;
4. Support China Industrial and Commercial Bank, China Construction Bank, China UnionPay, Agricultural Bank, Bank of Communications and other financial institutions.
How to manage money with credit cards?
You have to get the money in the card at the lowest cost before you can do high-yield financial management that you are sure of, such as bank money fund, gold futures, foreign exchange, precious metals and so on.
The credit card can only take 2,000 yuan per day at the existing handling fee and interest of 5/10000 per day, which is not suitable for cash withdrawal;
The physical pos machine has a handling fee of 1% ~ 2%, so it is difficult for you to earn 2% during the longest interest-free period of bank credit cards. Except;
Therefore, it can only be obtained on the third-party payment platform at the lowest cost, 0.4% ~ 0.6%;
If your credit card can withdraw 50 thousand a month, the handling fee is 0.4%, which is 200 handling fees; If you put 50 thousand yuan into the bank's money fund or balance treasure, the cashier's wallet of Industrial Bank, etc. The cashier's wallet of Industrial Bank currently has an annualized income of 6.4%, and the 50-day income = 500,006.4%/36,550 days =438, and you have a income of 200; If you put it on the current reliable online lending platform, 5 1 month can earn more than 1000, of course, the risk is relatively high; You can trust me privately if you don't understand!
How to establish a credit card with magnetic stripe authentication on the app?
You can download a shop owner Plus and authenticate after receiving payment.
The shopkeeper charged more. When using the magnetic stripe card for the first time, you must authenticate the card and scan the code to open it. The specific steps are as follows:
1. Open the shopkeeper APP and click the "Card Authentication" button to authenticate the magnetic stripe card.
2. Fill in the information of the magnetic stripe card to be authenticated, and be sure to enter the correct information of the magnetic stripe card, otherwise the authentication will not pass, and click the "Authentication" button to authenticate.
So much for the introduction of the credit card owner.