There are many consumers who react. After they use credit cards, they can find some points in small amounts, but they don't have points in large amounts. Moreover, some large-capacity billing companies do not match the names of companies they actually consume. Even if the credit card is inexplicably received by the phone because of the risk control requirements to reduce the credit limit, some cards will be suspended for use.

This allows consumers to find a clue for a while. At the same time, some merchants’ funds were not caught in the normal time, but they were also caught in anxiety every day, and even their own business funds were lost by other companies.

Combined with the above two situations, Xiaobian tells you that you may fall into the trap of "sleeve machine".

In order to save operating expenses, some businesses are really open-minded, brain cells are fully activated, and through the introduction of some third-party acquiring agents for running, the card-removal procedures can be reduced from 1.25%, 0.78% to 0.38%. The trick is to count, the greater the amount of credit card, the more money you save, and it is not fast to install his home machine. This type of machine is called a set code machine!

What is a set machine? What is the code for this code? Let's first take a look at the MCC code.

The MCC code is also called the merchant category code. The mcc code is set by the acquiring institution for the signing merchant. It is used to indicate the trading environment of the UnionPay card, the main business scope of the merchant and the industry ownership, and is the standard for determining the settlement fee of the domestic cross-bank trading merchant. mostly according. The mcc code is an industry standard for acquiring goods set by UnionPay. According to the current mCC code developed by UnionPay, the general classification is 0.38% of the handling fee, the general category is 0.78%, and the entertainment category is 1.25%. Four times from low to high!

Such a large price difference space, in part to save "cost" merchants and eager to deal with the industry rules, practitioners to achieve rate arbitrage by changing the business category. This is the root cause of the rampage of the set-up machine.

What kind of harm will it cause to the merchant?

The coder is illegal, and the risk behind it is not proportional to the benefits. The coder is generally distributed to the market through a third-party payment company that manages irregularities. Third-party payment companies generally do not have sales teams themselves, mainly expanding their markets through agency companies. In order to volume, they even encouraged the installation of the set. However, the security of the merchant's money becomes a problem, and the receivables of the merchants are likely to be at risk of being taken away by the packaged enterprise.

So, is there no way to curb this speculation? The good news is that since September 2016, the implementation of the new UnionPay POS machine will unify the POS machine card rate, so that the above "set of machine code" traps No living space.
In fact, the use of a formal channel POS machine to use, the process and procedures are not complicated, the information and waiting for approval time is necessary, please find some agencies that directly cooperate with the bank to serve you, first of all can guarantee Your money is safe, and secondly, it will provide you with a lifetime free service during your use. Most importantly, if you don't want to buy or use, you can also rent a business to help your career take off.

In Shanghai, there are many kinds of third-party organizations and service companies. Every day, many startups have the demand for POS machines. There are also a variety of sales avenues in the market, and there are many small advertisements for all three cards for three days. How to Stripped risky information in the complicated information, Xiaobian teaches you a trick - POS machine use is like you have to pay a salary card, this information is best in your own, and, in person, in the bank, You can't entrust others to handle it because you are afraid of trouble.

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