Secret: The digger opportunity behind the POS machine brush

It is no exaggeration to say that swiping has changed people's lives!

In the past, when there was no bank card, I took a train from the far-off gate. The thick cash had to hide in Tibet: the bag was hidden, the shoes were stuffed, and even the anti-theft panties were stuffed...

Now I can swipe my card. Which one is so troublesome? There are a few bank cards in the wallet. What do I need to go to the POS machine to check out the card is convenient.

The pos machine is so important now, but do you know the industry chain behind it? Do you know where the opportunities for the Nuggets in this industry chain are?

If you don't know about this, then let's take a look at it now.

Empire behind the POS machine

The POS machine should work normally and exert its value. There are a few people behind it: card issuer, UnionPay, and acquirer. This is a popular term, the official statement is: card issuer, card organization (in China is UnionPay), the acquirer.

They are divided in the back of the POS machine: the bank is responsible for issuing bank cards (savings cards, credit cards), collecting money, deducting money; UnionPay is the bridge between the card issuer and the acquirer; the acquirer is responsible for sending and receiving cards in the store. The resulting bills contributed to the successful completion of the checkout process. These are all behind-the-scenes work, and most people can't see them.

â–³ POS machine division of labor schematic diagram

However, it should be noted that the acquiring institution can be a bank or a third-party payment company with a business license.

Bank, local tyrant! Almost all parts of the country have outlets, so you can use your own staff to sweep the street, sell and install POS machines to the store. Third-party payment companies are not the same. There are no more outlets at the outlets. If you also study banks, let your employees sweep the streets and promote POS installations across the country. How to do?

As a result, the agent model came into being, helping third-party payment companies solve this problem.

â–³ Agent model of third party payment company's acquiring business

What is the agent model?

Agent mode, it is said that the third-party payment company assigns the task of promoting the merchant to the merchant, installing the POS machine, and maintaining the customer's relationship to the agent. The agent only needs to do the promotion, installation and customer relationship maintenance of the POS machine. Can make money.

In this way, third-party payment companies can occupy the acquiring market faster and faster, and agents have money to make, they are all happy!

How much can an agent doing the acquiring business earn?

Before September 6th, the money earned by the agent may be less, because according to the original distribution mode of the card processing fee, the earning of the acquiring business is not much, and the agent is a part of the acquiring business chain. There is not much money left.

However, starting from September 6th, the NDRC and the central bank’s newly proposed credit card fee policy will be officially implemented, and the situation will be very different!

How is it different? Let's take a look together, compare it to one, count it.

Under the policy before September 6, the credit card fee is distributed as follows:

Brush the POS machine and collect the handling fee from the merchant. How much is the handling fee, this is fixed ↓↓↓

This fixed fee is divided into three groups.

Under the policy of September 6, the profits become distributed like this:

Brush the POS machine and collect the handling fee from the merchant. The specific fee is determined by the acquiring institution and the merchant. Set this fee, the acquiring institution will first collect it, and part of it will be distributed to the issuing bank: the savings card (debit card) is not higher than 0.35% of the single consumption, 13 yuan is capped, and the credit card (credit card) is not higher than the single pen. 0.45% of consumption is not capped; the other part is given to UnionPay: no more than 0.0325% of single consumption, 3.25 cap.

as the picture shows

Suppose a POS machine for a restaurant and entertainment business has a credit card of 10,000 yuan. Then, before September 6th, according to the handling rate of 1.25%, the handling fee is 125 yuan; from September 6th, it is assumed that in order to simplify the calculation, the handling fee agreed by the acquiring institution and the merchant is also 1.25%, and the charging is also 125 yuan. Then, the allocation of the fee is like this.

You see, the same amount of handling fees, before September 6, the agent can only split some profits in the 25 yuan of the acquiring institution, from September 6th, the amount of money can be divided more than 2 times! ! !

Compared with one, after calculating, do you think that the agent who is doing the acquiring business is quite profitable and wants to try it?

However, there are so many third-party payment companies on the market, and who is the agent?

Choose who's agent also has a doorway. This is a few selection criteria summarized in Xiaobian, you can refer to it.

First, you must choose a more generous and credit-worthy one.

This kind of money is more and more stable. After all, when agents are happily selling and installing POS machines, the most direct purpose and motivation is to make money and make more money.

Measuring a company is not generous enough, mainly depends on whether he adopts the split mode. It is to use the split mode, and then look at the proportion of the share is hungry, too high to be vigilant, there may be traps; too little, no need to struggle. This news can be inquired with peers about word of mouth. According to Xiaobian's knowledge, Shanghai's pay-for-pass and agents use a split-running model, which is fixed and not delayed.

Second, we must definitely choose to be legal and legal.

If it is illegal and not compliant, it will be reported by others every day. The law enforcement department will put him in a pot or a huge sum of money, and the agent will certainly be shackled.

So how do you see if a third-party payment company is legally compliant?

The most important thing is to look at the license. Since 2011, non-bank institutions have to do a payment service, they must have a license issued by the central bank. This license has to be re-examined every five years. The industry is called renewal, and the company that has successfully renewed its business scope and includes bank card receipts can continue to carry out the bank card acquiring business.

Third, it is best to choose a big brand.

In general, a brand can be big, either a background cow, a good service, or both. Brand is big, background cow, good sales, quantity can be bigger; service is good, follow-up maintenance is less troublesome, it is more worry-free, isn't it?

Nowadays, there are quite a lot of big brands on the market. There are BATJ supporters, there are state-owned enterprises, and there are grassroots private enterprises. BATJ's payment company is familiar to everyone; PayPass has a background of state-owned enterprises and should be known to a small number of people. Private, there are more, not to mention here.

These three standards are very simple and rude. If you want to be an agent, you can refer to them to choose your favorite company.

It is not difficult to be a third-party payment company agent. The most basic thing is to meet three conditions:

1. Have legal business qualifications in China;

2. There is a fixed business place;

3. The five certificates are true, complete and effective.

After reading the long story of Xiaobian, if you are interested in agents who are doing third-party payment, you may wish to apply for a trial. Make more money, why not?