When you receive your credit card bill, do you sometimes find the merchants on the bill, do you seem to have no impression? That's right, because the current POS machine has a small ticket that is different from the name of the business that appears on the credit card statement. It is called hopping code in the line. Of course, there is also a part where the name of the store is different from the name of the business license. This is normal.
Today, the focus is on starting with code hopping. Why do you skip code? First, the qualifications of the merchants are not up to standard, and there is no way to apply in their own name. It can only be randomly assigned to you by the payment company. Each payment company will have a merchant pool, which is specially used for code hopping, to ensure that there are enough merchants to switch over under the customer; second, part of the payment company In some cities, there is no landing record (you can understand that the payment company has not been certified by local people), then it can't do business in these cities. In order to be able to develop businesses in these cities, they will all switch the pos machines they have here to other cities that have been filed. Third, after the code is hopped, the payment company's income will be much higher than the no-hop code.
Why is the payment company's income high after the code is skipped? Here I would like to say that the merchants in the payment industry will be classified into 6 categories. 1. Public welfare: public schools, public hospitals, charities, etc. The handling fee is 0%; 2. Concessions: supermarkets, convenience stores, Travel agencies, electrical appliances, etc., the handling fee is 0.38%; 3, wholesale category: business scope with the word "wholesale", factories, etc., these fees before September 2016 are capped 26 yuan, now unified to 0.6% 4, general categories: general retail stores, snack bars are attributed to this category; 5, RV categories: real estate, car dealers and other related industries; 6, food and entertainment categories: large-scale food and beverage stores, hotels, entertainment venues, jewelry stores Both belong to this category. Since the price has changed since September 2016, the fees for category 4, category 5 and category 6 are both 0.6%.
Then I will tell you why the income will be higher. When you are a retail store, the handling fee is 0.6%. The payment company hopped to the convenience store, which equals the payment company earned 0.22%. Ten thousand is to earn 22 yuan more, if it is 100 million, it is 220,000. Is there anyone who wants to let the payment company give you a fee? Forget it! The public welfare class is to be a very formal institution, and the preferential category should also be applied to a large chain of supermarkets or a large-scale chain convenience store. A small shop wants to do a 0.38% big machine, and the headquarters will definitely not give you a call. It is not because of the high profit, but because you are not compliant with the low deduction rate, the payment company is very risky.
Now all the hand brushes used on the market will be coded, and most of them will be transferred to the preferential category from time to time, even for public welfare. Many of the big stations will also skip the code. There are also a lot of online payment now, which is the channel for payment, such as utilities, broadband and so on. This type of handling fee is usually a few dollars, and the channel is down to 0.35%-0.5%.
When your card is long-term brushing public welfare class, preferential class, payment class. It is very likely that your credit card will be derated or even blocked! Why, because the fees earned by the bank are drawn as a percentage of your actual card type. The bank does not want you to brush these low-deduction machines for a long time. In addition, if the normal people consume, he will naturally brush up to other high-rate POS machines. So the bank knows that you not only brush the low-cost POS, but it is likely to be cashing. I am sorry, if you are not a quality customer for the bank, there is no need to give you such a high amount. Bank credit lines have a rough total, and they naturally allocate credits to better customers.
Everyone has time to look at the bill and see if your bill is rich. If you are not sure about the type of business you are brushing, leave a comment, I will see the first time to give you a judgment reply.
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