Introduction: Mobile payments and hand-brushed POS are two distinct payment methods. According to the current market policy, no card mobile payment rate is low, no equipment cost, but the shortcomings are also obvious, the low rate causes the relevant institutions to have low profits, and most banks have no points. The hand brush POS rate is higher, there is equipment cost, which can generate more profits for the relevant institutions.
Cardless payment for mobile payment has brought us convenience, but also saved us a lot of embarrassing procedures, such as no need to carry a bank card or cash with you, no need to take it out of your pocket when you check out, hand it to the clerk. , enter the password and sign it. No one will refuse simplicity. But don't forget that the scenario of mobile payments in block trades doesn't work. Limits on the quota and restrictions on the trading environment, etc.!
The “Technical Specification for Barcode Payment Security (Trial)†(issued by Banking [2017] No. 242), which was implemented on April 1, 2018, clearly indicates the limit of mobile payment:
Level A: If two or more effective elements including digital certificates or electronic signatures are used to verify the transaction, the customer may agree to a one-day cumulative limit through agreement.
Grade B: That is, if two or more types of valid elements, including digital certificates and electronic signatures, are used to verify the transaction, the cumulative transaction amount for a single bank account or all payment accounts of the same customer shall not exceed 5,000 yuan per day;
Grade C: If less than two types of elements are used to verify the transaction, the cumulative transaction amount of a single bank account or all payment accounts of the same customer on a single day shall not exceed 1,000 yuan;
Class D: When using static bar code for payment, the risk prevention capability is D level. Regardless of the transaction verification method used, the accumulated transaction amount of the same customer's single bank account or all payment accounts and fast payment order day shall not exceed 500 yuan.
In summary, and according to the actual market situation, the integration may be more appropriate. When the traditional POS originally used for the receipt is upgraded to a smart POS, the card base (based on the bank card) and the account can be satisfied at the same time. Payment (based on mobile payment accounts). The rich offline layout of smart pos makes them a good help in the expansion of mobile payment lines, and brings new opportunities for the acquiring business, making the acquiring business highly integrated with mobile payment, and forming this increase. The trend of rising.
Seemingly simple, actually hiding a very important proposition - the change of payment methods
Let's take a look at the historical changes in payment methods:
Payment methods have undergone tremendous changes over the past few hundred years. And this change is basically an irreversible process, because this is the progress of social collaboration and the progress of civilization.
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