96 credit card fees changed to what impact we have now

First of all, what is the impact on the card-carrying family:

1. The cost of credit card maintenance is improved: before the card is swiped on a high-rate machine, it is easier to raise the amount, and the new regulation cancels the classification of the bank card processing fee. In other words, no matter what kind of merchants you use to swipe your card, the rates are the same. The diversified card-swapping method will inevitably lead to the cost and difficulty of raising the card. Of course, there are policies, countermeasures, and general rules for card-raising. Still unchanged, the card-raising partners still use the previous rules to swipe their cards. Later, we tested the new card-raising program and shared it with you.

2, credit card cashing costs increase: cash is illegal, but there are still many pots of friends can not help but illegally cash, especially often on some capped machines, the new regulations require card issuers to collect the card issuer service fees, credit card transactions are not implemented The single charge capping control means that the cost of cashing is increased.

3, POS set code, skip code, cut code bad situation has been alleviated: POS machine agents or third-party payment for their own personal interests, often take the illegal means of set-up, skip code, cut code, and the new regulations require bank card swipe The handling fee is consistent across all industries and effectively alleviates this situation.

So where is the impact on the merchant:

1. Reduce the burden on merchants. From the perspective of comprehensive rate calculation, the rate of catering and entertainment merchants decreased by 53% to 63%, with a drop of more than half, which benefited the most; department stores decreased by 23% to 39%; and people's livelihoods originally implemented 0.38% of service fees, but in two During the transition period of the reform year, preferential measures will be implemented, which will also help reduce costs.

2, POS rate adjustment, UnionPay detection means, public measurement mechanism is more stringent, Erqing POS machine will be reduced, to ensure the safety of merchants' funds.

For some friends who buy a car, 4S shop must brush the debit card! Recently, many 4S shop finance departments have been notified by phone or written notice from China UnionPay. The contents of this notice are from September 1, 2016, due to UnionPay's adjustment of the POS machine card processing fee. When customers go to 4S shop to buy a car or raise a car, if they use a debit card (not a credit card), they will still follow the deduction rate (0.45%~0.5%) agreed by the local UnionPay in the past, and the cap will charge 20 yuan/pen~25 yuan/ Pen calculation. However, if the credit card is swiped, the same standard as the debit card will be used to implement the 0.6% deduction rate, and the uncapped fee will be calculated. In other words, if you go to a 4S shop for a large amount of credit with a credit card after September 6, 2016, you may be charged a fee.

For example, in the past, Xiao A went to the 4S shop to buy a car, and used a credit card to pay 100,000 yuan for the car. The handling fee was 20 yuan. Under normal circumstances, this 20 yuan 4S shop has paid for consumers. However, after the new policy, if the small A then swipe the credit card 100,000 yuan in the 4S shop, the handling fee will rise to 600 yuan. 4S shop has to live too much, 20 yuan will bite the teeth and endure. But now 600 yuan, can you marry you?

There are 4S stores that have already accounted for themselves. If you sell 1,000 cars a year, 70% of them use credit cards and pay an average of 150,000 yuan, then the cost of 4S stores will increase by more than one million yuan under the new policy. The biggest possibility is that consumers need to bear the cost themselves.

At present, the biggest impact of this policy is that those who are preparing to buy a credit card to buy a car may not have much impact on maintenance. Because, in view of the fact that consumers used to be charged by the 4S store, the subsequent small amount of consumption may not be affected. If the 4S shop maintains the original fee of 20 yuan for the customer, then as long as the card amount is less than 3,300 yuan, it will not be affected. And this price can be completed for general vehicle maintenance.

Therefore, after September 6, 2016, go to 4S shop to use transfer, cash and debit cards as much as possible. If you want to swipe your credit card, you should first take a few words, ask about the handling fee, and avoid unnecessary disputes and troubles. .

Then, after the POS machine rate is rectified, what impact does it have on the development of POS machine agents?

According to the key time points of the UnionPay synchronization, the card god group revealed the following information: The low rate processing from May 17, 2016 to September 2, 2016 is a vacuum period, which means that there is still a certain amount of operational space; The low rate of access to the Internet will be formalized on September 6, 2016, and on-site registration; after September 6, 2016, the POS rate will only be classified into three categories: standard, preferential, and exempt. In the face of POS rate reform, this is a moment of opportunity and challenge. As a good agent, we must take measures to retain business resources and tap potential customers.

The end of the high-divided era

In the face of the POS rate reform, the online registration must be re-registered on site, coupled with the strict testing methods and public beta mechanism of UnionPay. This may mean that more than 70% of the existing merchants in the country do not meet the preferential conditions. Will lose the qualifications. The card god group analyzed the rate reform situation and came to the conclusion that the rate reform will bring a huge impact to the POS machine market to a certain extent, and the direct result is the end of the high-division era.

1. The volume of transactions has fallen. As the rate increases, the handling fee increases, and the user is unacceptable for a while, and will prefer Alipay and WeChat payment. In this case, it will inevitably lead to serious loss of merchants and a decline in short-term sales of POS machines.

2. The profit margin has dropped significantly. Due to the sharp decline in the profit margin of POS companies, the price of POS machines has risen, and the turnover of POS agents has decreased. More badly, the payment company unilaterally raises the rate to obtain profits and profits, and reduce the distribution expenses of the affiliates.

Faced with the rate reform POS agent how to fight back

From the perspective of various agents, remind POS agents that they should have a rhythm to reduce the low rate of access to the network, and pass the approximate fee range of the new rate to the merchants, so that the merchants can adapt in advance, so as not to be robbed of other merchant resources by other powerful companies. !

The specific considerations are as follows:

1. Expand the market as much as possible and tap potential users. Due to the increase in the rate, there will be little difference in the distribution between companies in the future. Now POS agents should be pre-emptive, and improve their reputation and credibility during this period.

2. Speed ​​up the inventory clearance. The current POS machine is based on the current rate system. In the future rate adjustment, some payment companies will inevitably adjust the POS rate. Once the rate is increased, the agent POS machine will be slow to sell.

3. When the POS rate is the same, pre-sales and after-sales service is particularly important. It is best to provide marketing support, training support, pre-sales support, after-sales technical service support for each agent, adopt the sales strategy close to the market, and be close to agents and support agents. In the future rate reform, we can give full play to our product advantages and retain potential customers.

Card God Summary: In order to better cope with the challenge of POS machine rate reform, whether it is a veteran payment company or a large number of agents, you should give full play to your product advantages, even if the rate increases, you can open a new market. This can only be said that e-commerce benefits, POS machine merchants also have different directions of development, after the POS rate is rectified, different groups of people will be affected differently, of course, there will be people who benefit, and some people will be adversely affected, as long as everyone is correct In the face, it is sufficient to adopt an effective response plan according to the policy. In the final card, the development of POS machines and cardless payment in our country have already taken the lead in the world. But is it really necessary to develop so fast? From the personal point of view of the card god, only the virtuous circle of the entire market can only benefit the industry. I hope this information will help my friends.