Since the beginning of 16 years, a large number of low-cost mobile phone pos machines have emerged on the market. In addition to illegally operated agents and fraud gangs, the lack of objectivity of more people has contributed to this evil spirit. But, do you really understand this low-rate mobile pos machine? Do you really feel comfortable with the POS machine with low free rate?
The credit card processing fee has been adjusted on September 6, 2016, and the entire share ratio has also changed, and the credit card fee has been cancelled. The original 1.25%, 0.78%, and 0.38% rates are also disappeared according to the industry classification. Now, the handling fee is only divided into three categories: standard category 0.6%, reduction class 0.38-0.48%, and public welfare class 0%.
Therefore, the cost of the acquiring company has been fixed at 0.4825%. Under legal circumstances, the profit margin of the acquiring company is 0.6%-0.4825%=0.1175%. Under normal circumstances, the operating cost of the acquiring company is slightly higher. With this.
If you see a mobile phone pos of about 0.5%, there will be at least some transaction deductible or public welfare code. The payment company must guarantee a rate of around 0.54% to maintain its own profit, and other rates should be used to make the market. Therefore, the rate of mobile phone POS machine must be around 0.6% is the most reasonable.
Everyone knows that the second is also cost, so there are a lot of hand brushes that support +2 yuan + 3 yuan seconds. Here, 0.55 is also directly paid by the acquiring company in advance, and the cost is about At 0.1%; if the second only needs 0.55% rate, and it is still a standard industry, the payment company must lose money. The company that does not make money is not a pyramid scheme or a liar, so the product of 0.55 seconds has to be hopped.
Often credit cards of such merchants are basically not able to survive for half a year, and even affect personal credit information.
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