I went out for a walk yesterday and met a POS machine at the intersection. After two sentences, I heard him say that the pos machine (hand brush) is too bad to sell, no one wants to send it for free.
When the POS was the most brilliant in the industry, the agents all had considerable diversion and rebates. Compared with the traditional traditional store industry, it is still very profitable. But why are you asking for free now?
However, in the past year, many POS agents have seen up and down, and they have fallen again. But I also saw an agent that sold 50,000 units in four months, and saw that there were millions of agents. Differences between heaven and earth, most of us are ordinary people, no one is smarter than anyone else, but the reality is cruel!
The development of cash has taken 300 years, the development of bank cards has taken 50 years, the development of online payment has taken 10 years, the development of mobile payment may only take 3 years, and POS machines have been in China since the 1990s. Is the popular role quickly submerged in the torrent of history?
POS machines are getting harder to sell. This is the voice of many agents and salesmen. Why?
Scan code payment rises
In the current golden age of China Mobile Payments leading the global development, almost nine people have made mobile payment a daily consumption method, and mobile payment has gradually become a living habit for everyone. Nowadays, you can basically go without having to bring cash and savings cards. As long as you have a mobile phone, you can satisfy daily payments such as shopping, eating, travelling, paying, and even getting medical treatment.
You may find that days like going to the bank or ATM several times a day have slowly disappeared, and mobile payments have brought us a new life that is more convenient. With the rapid growth of young consumer groups and new changes brought about by emerging payment methods, even banks have no choice but to support the back-office services of these new financial institutions.
The advantage of mobile payments is that they have a large potential user base. The portability of mobile phones provides the basis for carrying out various mobile payment services. At the same time, with mobile communication networks, mobile payment can be carried out at any time and anywhere, spanning time and geographical restrictions. Based on smart card technology, smart card and mobile phone are combined to have the characteristics of safe and rapid transaction, which is the development direction of mobile payment technology.
Like the current mobile phone-end platforms such as Alipay and WeChat, all support mobile phone online payment and offline mobile phone scanning code payment, which brings convenience to consumers. Therefore, in order to cater to this trend, offline entities have also equipped various devices that support scan code payment. More common are scanners and POS machines that can generate QR codes and infrared scanners.
Large amount of credit card merchants fee increase
The new card processing fee implemented on September 6, 2017 canceled the above two categories of merchant industry classification pricing, and no longer imposed credit card processing fees on the real estate, automobile, and wholesale industries, and implemented separate charges for the standard category. which is:
Minimum rate of debit card: issuing bank 0.35% (single 13 yuan cap) + UnionPay clearing rate 0.065% (single 3.25 yuan cap) billing service fee (market adjustment price)
Minimum rate of credit card: 0.45% of issuing bank + UnionPay clearing rate of 0.065% + billing service fee (market adjusted price)
According to the acquirer, there is a need to calculate the operating cost of 0.15 percent or more. The cost of the new rate billing agency is approximately:
Debit card rate: 0.35% + 0.065% + 0.15% = 0.565%
(Single 20 yuan or so capped)
Credit card rate: 0.45%+0.065%+0.15%=0.665%
The above is the cost, the payment company wants to make money is estimated to increase by about 0.1%. That is to say, the standard fee-paying merchants charge credit card fees of about 0.7% or more!
After the cancellation of the credit card processing fee, once the large amount of consumption is encountered, the cost of the merchant will increase, and who will pay for this part of the cost.
Although the credit card transaction rate is high, but the single transaction has a cap. If it is not capped, the cardholder will spend 100,000 yuan on the credit card and 500 yuan on a single transaction fee.
A person in charge of a 4S shop told the payment encyclopedia: "There are already some 4S stores that are clear, and the customer pays more for the cost of the card." In contrast, the credit card purchase before September 6th, the card processing fee is 0 yuan. However, after the September 6th credit card purchase, if you brush 100,000 yuan, the handling fee is 600 yuan; 200,000 yuan is 1,200 yuan; 500,000 yuan is required to pay 3,000 yuan.
Therefore, the adjustment of the 96 fee reform seems to be beneficial to the industry, but for those merchants who use the 0.38% rate for a long time, the operating costs will increase. In fact, the concept of free of charge has long been deeply rooted in people's minds. Suddenly, the cost of paying for hundreds of dollars has been difficult for many merchants to accept. This has led many acquirers to think that there is no rate reduction after the fee change. .
After the classification is cancelled, the gray profit disappears. Paying Encyclopedia believes that this move will also hinder the enthusiasm of merchants and POS machine agents to a certain extent, affecting the development of POS machines.
The cost of cashing increases, and the family of the card is frustrated
Speaking of POS machine chaos, the first thing people think of is credit card cashing: when you are short of money, it is not a problem to use a credit card to cash in thousands of yuan; to eat at a restaurant, it is a supermarket purchase order... For many years, At the same time as POS machines are popular, they also become negative news "manufacturing machines." Some netizens have ridiculed: POS machines become "breaking things". With the change in credit card rates last year, credit card swipes are not capped, and the cost of cash is increased, which undoubtedly brings a heavy blow to the current POS machine set, and the industry rate is “a priceâ€, which makes it difficult for merchants or individuals to pass the “set priceâ€. "Apply for a low rate POS machine.
For a credit card to raise a card, in fact, it holds a number of credit cards in hand, repays each other, refills a card on a POS machine for false transactions, and then repays the money with another card, thus repeating the transaction. At the bank end, cardholders maintain a frequent and large amount of credit card transactions, which is a quality customer and will be willing to increase their credit card quota.
I used to set up a capping machine myself, then swiped my credit card, how much brush I want to brush, as long as your credit card amount is enough! What are you afraid of? Anyway, 20 caps, no matter how much brushing, the handling fee is up to 20 yuan, there is no worries!
Now I have a large amount of credit card, and the handling fee is over one hundred thousand in minutes! You know, this is no cap! How much money you brush, the more fees you have! In the past, the capricious strength, it is estimated that there is some convergence, and no longer dare to indulge the card.
POS needs can not be ignored
First of all, credit card consumption is a long-established consumption habit of merchants and consumers, which is difficult to break in a short time. Even with the mobile payment storm, businesses can't easily give up their own POS system for many years and adopt a new payment method.
Secondly, from the perspective of merchants, the use of POS machines for collections has formed a fixed data and acquiring system all the year round, so in the short term, merchants will not give up this collection method. Therefore, the scene that is often seen is the sign of mobile payment such as WeChat payment or Alipay on the merchant's checkout counter, and there are also many POS machines.
Once again, POS machines have matured and are relatively safe, and mobile mobile POS machines have a potential market for unlimited data. Compared with remote payment, it is not inferior. With the development of the market economy, third-party payment institutions will bring new upgrades and vitality to the payment industry.
After the predecessors planted trees, people took advantage of the cold, and the POS machine broke the original consumption thinking, at least making consumers have a stable transition to Internet payment. The advent of the mobile payment era has indeed enhanced the convenience of micropayments in life, but the rigid demand for basic equipment of POS machines cannot be ignored.
The development of payment methods is not only a simple and rude waste, but a constant search for the combination of convenience and practicality. Going to the mall to spend often asks whether it is "can pay Alipay WeChat" instead of "can you swipe the card", the difference is that the POS machine is definitely available.
Although the POS industry is facing difficulties and obstacles, but the chaos is out of the hero, just do not know if you are not?
Payment is an industry that requires a license, and payment is a life attitude!
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