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Nandu News reporter Yi Xiaoxia's small shops on the roadside can also use the pos machine to swipe credit cards, which is very convenient for consumers. However, in recent days, Guangzhou has heard the news that “the POS machine applied for in the name of the individual can not swipe the credit cardâ€. Individuals apply for POS machines from two sources: apply to the bank or apply to UnionPay. In this regard, Guangdong UnionPay said yesterday that according to the regulations of the People's Bank of China, UnionPay is formulating a shutdown plan, and the business may be gradually closed after the Asian Games. In the banking channel, banks have taken the lead in responding to the central bank’s call to suspend this business.
Individuals can apply for POS machine is a feature of Guangdong
According to Guangdong UnionPay, as the card-swapping business started earlier, the business volume was large, and the operation was good, only the Guangdong region allowed individuals to apply for PO S machines. Individuals applying for a PO S machine have no difference from a settlement account (one is a private account and one is a public account). As long as there are business licenses and tax certificates, private owners can apply for free.
In order to prevent illegal cash out, individuals apply for PO S machines, and credit card swiping cannot exceed 10,000 yuan. In addition, the phone bundled with the PO S machine cannot be moved.
However, in May last year, the central bank, the China Banking Regulatory Commission, the Ministry of Public Security and the State Administration for Industry and Commerce jointly issued a notice to strengthen the management of bank cards. In order to crack down on the illegal cash-out of credit cards and strengthen the qualification review of merchants installing PO S machines, individual merchants are no longer required to apply in their own name. All must be converted into settlement accounts opened in the name of companies or legal persons, in order to open credit card acceptance services. Otherwise, Only ordinary savings cards can be swiped.
Individual banks take the lead in action
According to Guangdong UnionPay, the central bank did not give a specific timetable, but UnionPay has begun to formulate plans to gradually close the business. Considering that Guangzhou is about to host the Asian Games, it has already reported to the central bank to apply for a delay until the Asian Games and then close. I am still waiting for a reply.
Although the P O S machine handled from the UnionPay channel has not yet started the shutdown plan, individual banks have taken the lead in responding to the central bank's call. For example, ICBC (4.13, 0.01, 0.24%) suspended the personally applied P O S credit card swipe business on July 1. At present, many private owners who apply for PO S machines at ICBC have reported that they have been unable to use the P O S machine to swipe credit cards. ICBC Guangdong Branch Credit Card Department said that this is a measure taken according to the requirements of the central bank.
reaction
Merchants complain that they have lost a few businesses every day.
According to the introduction of UnionPay, the PO S machine issued by UnionPay was only signed by the four major banks. Credit cards for small and medium-sized commercial banks can only be used on personal PO S machines handled by banks. Now, some banks have taken the lead in shutting down this business, which has already had an impact on merchants and consumers.
In the Wuyang New Town of Guangzhou, I opened a beauty salon owner, Alan, and now the PO S machine in the store can only save the savings card. “I applied at ICBC, and I thought about it at the same time.†In 2008, after she handled the PO S machine in her own name, “swapping credit cards brought me a lot of new business volumeâ€.
On July 1st of this year, the PO S machine in the store suddenly could not swipe the credit card. She consulted ICBC, and the other party's reply was: system debugging.
Alan said that not being able to swipe a credit card has a big impact on her. "It is estimated that several businesses will be lost every day." According to her, the general credit card is a large amount of business. If someone pays a beauty fee, a brush is a thousand dollars. Customers only like to pay cash when the amount is small.
The reporter visited a number of shops yesterday, and the PO S machine issued by UnionPay accounted for a large proportion. If, as the UnionPay said, after the Asian Games, the personal PO S machine issued by them should be gradually closed, then the influence will be expanded rapidly, and the individual merchants will either switch to the application for the public account or close the credit card swipe business.
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