Legal analysis: It is illegal to swipe bank card transactions. Using methods such as point-of-sale terminals (POS machines) to directly pay cash to credit card holders through fictitious transactions, false prices, cash returns, etc. is against national regulations.

Legal basis: Article 225 of the "Criminal Law of the People's Republic of China" The following fixed-term imprisonment or criminal detention, and concurrently or solely a fine of not less than one time but not more than five times the illegal income, or a fine of not less than one time but not more than five times the illegal income; if the circumstances are particularly serious, the sentence is to be not less than five years in prison and a fine of not less than one time but not more than five times the illegal income, or confiscation of property:

(1) Operating special items or other restricted items stipulated in laws and administrative regulations without permission;

(2) Buying and selling import and export licenses, import and export origins Certificates and other business licenses or approval documents stipulated in laws and administrative regulations;

(3) Illegal operations of securities, futures, and insurance businesses without approval from relevant national competent authorities, or illegal fund payment and settlement Business;

(4) Other illegal business activities that seriously disrupt market order.