POS machine industry analysis
POS machines have penetrated various industries in China. The pos machine has "occupied" supermarkets, shopping malls, restaurants, networks... only where you can't think of it, there is no place where POS machines can't be applied! The service area is wide, the entrepreneurs have a good choice, and the market has prospects! POS machines have served thousands of customers in the airline ticketing, e-commerce, education, foreign trade and other industries, and have rich experience in innovation and development in e-finance services and e-commerce platform construction.
Mobile POS machines have opened a new era of mobile payment! With the popularity of smart phones, people have become accustomed to cashless payment methods, and the era of mobile payment has come. A hand-held smart phone gives the mobile payment innate development conditions. As long as there is a smart phone, you can go to the door without cash or card, and you can realize daily consumer shopping, dining and leisure consumption.
With the help of mobile apps such as Alipay and WeChat, the application of offline mobile payment is expanding and expanding, and it has gradually cultivated the habit of mobile payment for consumers. The mobile phone POS machine has successfully integrated WeChat scan code payment, Alipay scan code payment, and UnionPay POS card payment, which perfectly solves the inconvenience caused by different payment habits of the user.
Nowadays, Internet finance is booming, people's payment habits are increasingly tilted toward mobile payments, and smart pos has become a hot hand-collecting artifact for merchants. It not only satisfies people's desire to “easily swipe their cards, and easily pays†when paying for transaction payments, but also complies with the trend of increasing popularity of electronic payments and improves consumer satisfaction. As a "deskper" of merchants, business is a "good helper", and smart POS is an effective channel for business promotion and customer acquisition in all walks of life.
POS machine join data shows that China has 13.7 POS machines per 10,000 people, which jumped to 179 in the US and 625 in South Korea. With the development of e-commerce, the popularity of bank cards and people's daily consumption behaviors, POS has become an irresistible trend. The POS machine promotes the development of social e-commerce, and its business scope covers the whole country.
POS machines are coming out, and will be widely used in eating, wearing, living, and traveling, bringing us more convenient and safe financial services. POS machine is a modern comprehensive financial service industry operator integrating research and development, production, sales, business platform docking, financial platform clearing, financial business consulting, etc., as well as investment and media. In one area, POS machines quickly and accurately customize fund collection and payment solutions for industry customers.
Mobile POS machines open a new era of mobile payment, adapting to the needs of merchants and consumers. Fast payment, scan code payment, credit card payment, and bank card payment. . . Mobile POS machines have become mobile payment experts around many users!
[Source of profit from POS agent]
China divides the industry into three categories: primary industry, secondary industry, and tertiary industry. There is no doubt that the POS agent is the third industry. Although the POS agent is divided into the tertiary industry, it is very different from the traditional industry. The main difference is reflected in its profit composition.
Let's talk about the most different profit point from the traditional industry - the card is distributed. First of all, we all know that it is necessary to charge the fee. How is the handling fee allocated?
Before the fee change on September 6, 2016, before the rate, it was divided according to the 7:2:1 distribution rule, 70% to the bank card issuer, 20% to the third operator, and 10% to China UnionPay.
According to the notice of the fee change, the handling fee collection mode of 721 was broken. The three parties involved will determine the charging standard according to the contents of the Notice. The credit card consumption is 10,000 yuan as an example. The card issuing agency charges no longer distinguish the merchant category. No more than 0.45% of the rate is charged, the top is not capped, and the card issuer's handling fee is up to 45 yuan. The handling fee charged by UnionPay does not exceed 0.065% of the transaction amount, and the maximum is 6.5 yuan. The acquiring institution implements the market adjustment price, and the acquiring institution negotiates with the merchant to determine the specific rate.
If you are a POS agent, where does the credit card come from? The distribution is from the third-party payment company, and the third-party payment company will distribute the handling fee obtained by itself to the agent. As for the ratio The companies are different.
According to the above ratio, if you have a user who uses your POS machine, according to industry standard data, a user's transaction volume per month is about 50,000 yuan, and the agent's average is about 10 million. This 50,000 yuan as a POS machine agent, will be able to be divided into 50 yuan / month, the specific can be divided, it is entirely in the third-party payment company agents how much share. As long as this POS machine continues to have a credit card collection, you can enjoy the distribution. Friends who have just come into contact with this industry, don't feel as if this point is very little, if you launch more machines, and they are all in normal use. Then you can do nothing and enjoy the separation. The monthly transaction volume of a machine is 50,000 yuan, then 10 machines are 500,000 yuan/month, 100 sets are 5 million yuan/month, and 1000 sets are 50 million yuan/month. If 1000 machines are launched, and each user They are all in normal use. According to the calculation of 10 million points, is it possible to have a profit of 50,000 yuan when lying down for a month? One year is 600,000 yuan!
The second profit point of the POS agent is the difference between the machine tools. This is the same as the ordinary goods, earning the difference between the sales price and the purchase price, such as a 35-dollar POS machine, 100 yuan for sale, then you can Earn a difference of 65 yuan.
The third profit point of the POS agent is to recruit distributors again, and the distributors can appropriately increase the price of the shipments. Of course, they can also earn the difference of the sub-agents. For example, they are 12 points, and the sub-agents are 10 Divided into, the subordinate agent users per transaction of 10,000 yuan, they can also get 2 yuan, the more agents, the greater the transaction volume, the more objective the separation. If you have 10 agents that ship 1,000 units, what are the benefits?
I hope that the above analysis can help friends who intend to enter the POS agency industry, but in this era of rampage, we must pay attention to choosing your home, a suitable choice is more than your efforts, not to do it for others. Wedding dress, bamboo baskets to fight water, some do not rely on the home to wait for you to fatten, you will kill you as a pig, play a routine without a haircut, although there are not many, but there will be.
So... must be chosen to go home.
I want a high quality life in the next 5 years, and I will pay now!
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