The current payment model is really changing with each passing day. I still remember that when I was young, I needed food stamps and oil tickets for shopping. Now, there is no need to bring cash at the door, use the bus card for the car, use the payment software for the taxi, use the online banking for online shopping, and use the pos machine for shopping. At the same time of speed and convenience, of course, there are risks. Mr. Zhang from Ningxia and Mr. Li from Hunan have encountered such problems. The POS machine brushed tens of thousands of dollars, and the money did not arrive.

POS machine card payment problem

According to reports, Mr. Zhang from Ningxia opened a trading company in Yinchuan. When his company paid for business, many customers used POS machines to pay for their cards. Mr. Zhang said that the POS machines that are usually convenient and fast have recently had problems.

Mr. Zhang: "After our test, this can't be used. It always prompts the wrong code." Subsequently, Mr. Zhang took out a golden POS machine with the model S98. This POS machine is viewed from the outside, and there is nothing. problem. Can boot normally.

After the operation, after the card was consumed, the POS machine did not print the small ticket, and Mr. Zhang’s bank card did not have any consumption information. Always displayed is in the network connection. Unlike Mr. Zhang, Mr. Li’s POS machine in Hunan Province, after the customer swiped the card, the customer’s bank card showed that the purchase had been successful, but the money had not hit Mr. Li’s account.

Mr. Li from Hunan: "We have brushed 21,000 and we have 6,000 yuan. We have not received the account."

Mr. Zhang from Ningxia and Mr. Li from Hunan said that the reason they came to Shandong was because the POS machine was handled in Qingdao, Shandong. The biggest problem now is that not only do they use this POS machine themselves, but they also sell the S98 POS machine. Now many customers who use this POS machine have complained that there is a problem with the credit card account.

The reporter saw that they signed a POS machine purchase agreement with them, which is Qingdao Shouxin Zhifu Network Technology Co., Ltd. In order to understand why there is a problem with the POS machine they handled, the reporter and Mr. Zhang found the company together.

The company’s general frankly said that they are gradually solving the problem of unilateral accounts and delays. During the investigation, the reporter found that the network technology company not only had Mr. Zhang from Ningxia and Mr. Li from Hunan, but also gathered customers from all over the country. And these customers have problems with the POS machines purchased by this company.

According to statistics, agents from nine national identities have purchased thousands of machines in this company, and there are agency maintenance fees ranging from 20,000 yuan to 100,000 yuan paid by each company.

Mr. Li of Hunan: "We paid a deposit of 50,000 yuan, an initial fee of 50,000 yuan, and a machine of 300,000 yuan."

Mr. Liu of Jiangsu: “The agency fee is 50,000, and one hundred machines is 620,000. It is 112,000.”

Although the current POS payment is fast and convenient, but it is really unsuccessful, or the problem of not being accounted for, it is also a troublesome, where did the money go?

In fact, this money is also good to find, these POS machines do not have consumption records? Going to the bank to check the bill is not enough. Mr. Zhang said that things are not that simple.

Although the head of the company is also committed to solving the problem, these agents from across the country have found many other problems in this POS.

The UnionPay logo on the POS is fake.

"This machine is a bit cheaper than other machines. I have a silver-plated logo on it. We believe him very much. It is a fake fake. This can be torn off. If you see it is torn off, it will stick to it. Things go up."

The reporter saw that there was a UnionPay logo on this POS machine. Has this POS machine been approved by UnionPay? Then we found the China UnionPay Qingdao branch to verify.

The staff of China UnionPay Qingdao Branch told the reporter that many POS machines sold by other institutions have used the UnionPay logo. This POS machine has nothing to do with China UnionPay.

Since it has nothing to do with UnionPay, how can this POS machine be made?

"Receive your information, pay it to a third party, and approve it through there."

The reporter learned that the so-called "third-party payment" is a transaction support platform provided by a third-party independent institution that contracts with the country where the product is located and the major foreign banks, and has certain strength and credit guarantee.

Yunzhi pays no third-party payment license

Can Yunzhi Fu of Qingdao Shouxin Zhifu Network Technology Co., Ltd. be used as a trading platform for third-party payment? Later, the reporter came to the Qingdao Branch of the People's Bank of China to understand and manage the third-party payment.

"We manage an institution that has a license to pay, and you have not paid a license."

The staff of the Qingdao Branch of the People's Bank of China told the reporter that Yunzhi Fu of the Qingdao Shouxin Zhifu Network Technology Co., Ltd. did not obtain a third-party payment license. Does not have the ability to receive and settle.

The Alipay that we usually pay for online shopping is paid by a third party. The third-party payment institution is to obtain a license paid by a third party. However, Qingdao Shouxin Zhifu Network Technology Co., Ltd. does not have a third-party payment license.

Why do these agents know that Qingdao Shouxin Zhifu Network Technology Co., Ltd. does not have a third-party payment license, but also has to pay agency fees to buy POS machines?

"When we joined, they did not explicitly say whether they had a license. When we asked, they said that the license was being processed, and we relied on the payment of Tengfutong. We believed it."

Mr. Wang of Henan said that not only the POS machine is lower than the market price. And the franchise fee is much less than other formal third-party payment companies.

Mr. Wang said that the reason why they all joined the POS business of the company at that time, in addition to the low cost of joining the payment company, the company also gave them an attractive condition, the price is lower than the market price. three hundred.

For the situation of the POS machine, what kind of solution will Qingdao Shouxin Zhifu Network Technology Co., Ltd. give?

Yunzhi Fu: The company promises to refund the refund

In the face of the agent's suspicion, the company in the company is called the total man, and the third-party payment license promised by Yunzhi will be issued in early 2015. Is his statement this time reliable? Later, we came to the Qingdao Branch of the People's Bank of China for consultation.

Staff: "We have not accepted the process of applying for a license here, and have not accepted their application."

The staff of the Qingdao Branch of the People's Bank of China, which is responsible for hearing third-party payment licenses, said that she did not accept the application for third-party payment by Yunzhi. And Qingdao Shouxin Zhifu Network Technology Co., Ltd. does not have its own payment system. How do these POS machines pay? Mr. Zhang of Ningxia told reporters that Qingdao Shouxin Zhifu Network Technology Co., Ltd. told them at the time that they were cooperating with Tengfutong to pay.

Qingdao Shouxin Zhifu Network Technology Co., Ltd., is it working with Tengfutong, a third-party payment platform? The reporter also consulted the staff of Tengfutong. The staff told reporters that "we have not officially cooperated yet, and now we are in the testing phase."

Finally, the company promised to negotiate a refund with these agents.

If you don't have your own payment system, you dare to sell thousands of machines. Can these machines really be returned to the company? We will continue to pay attention.

The reporter learned that according to the payment procedure classification, the settlement method can be divided into one-step payment method and step-by-step payment method, and the one-step payment method is mostly cash settlement. Third-party payment is a step-by-step payment method. The third-party payment is that the customer first transfers the payment to the third-party account. After the transaction is successful, the third-party payment platform then transfers the payment already made by the customer to the merchant account. According to statistics, the scale of third-party payment industry transactions in China in 2013 exceeded 17 trillion. (Finish)

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