Layer subcontracting Searching on the Internet, there are no more than 10 reports related to POS agents running in the past three years. At present, there are still many platforms that are not indicated by the company name. Xiaobian called a agency platform in Anhui Province. The customer service staff said that even if there is no branch office in all places, the pos machine can be handled nationwide, only need to add his private WeChat, and then the business license, legal person The ID card, bank card photo and the use address are sent to the past, and then 299 yuan can be paid through Alipay and other channels. No deposit is required. The platform sends the POS machine to the merchant in the form of mail. In the inquiry, the customer service staff revealed that the company name is “Hefei Zhonghao Information Technology Co., Ltd.†(hereinafter referred to as “Zhongyi Technologyâ€), and can act as two pos machines with payment license manufacturers. According to the information on the National Enterprise Credit Information Publicity System, Zhonghao Technology was established in December 2014 with a registered capital of 1 million yuan and its registered place in Hefei. Its business scope includes “accepting financial institutions to engage in information technology outsourcing and business processes. Outsourcing; electronic equipment, office supplies sales, software information technology services, etc. However, the official website address is not recorded in the business information. Xiaobian also saw in the "Eye of the Eyes" that there are 4 websites for the registration of Zhonghao Technology, and only one website named "Zhongyi Group" can be opened. According to the homepage of the website, Zhonghao Group is a large-scale professional third-party payment service provider in Anhui Province. “There have been established more than 2,000 agents, and the branches cover more than 30 provinces and cities nationwide. More than 120 branches have been established and settled locally. The completion of 260 branches will be completed in 2018. The contact address is only less than 500 meters away from the registration of Zhonghao Technology. Zhou Yuan (pseudonym), an insider of Zhonghao Group, did not deny that he was not the same company as Zhonghao Technology. He also said that the processing procedures and product information introduced by the above-mentioned platform customer service personnel are all the same as the company, but still need small Provide the customer service personnel mobile phone number to confirm whether it is an authorized agent, "previously appeared one or two posing." Airspace review Zhou Yuan said that it is necessary to verify whether the platform is under the name of sales. However, the industry also pointed out that the qualifications of the Lieutenant Group itself have yet to be confirmed. According to Zhou Yuan, in the company's application for pos machine, it is only possible to pass the WeChat delivery materials and pay online. The company then mails the POS machine to the merchants, and all processes can be completed in space. He also stressed that the company has an after-sales department. If the merchant has doubts during the installation or use, he can consult the after-sales service. However, Wang Deyi, a lawyer at Beijing Xunzhen Law Firm, pointed out that according to the central bank's "Management Measures for the Acquisition of Bank Cards by POS Machines", except for the general mode approved by the central bank, the acquiring institutions may not open the acquiring business across provinces or cities with separate plans. The contracting agency shall be the local branch of the acquiring institution. The acquiring institution should conduct a strict review of the merchant information, including credit status review, license review and on-site investigation. The red line of “on-site investigation†has been overtaken by Zhonghao Group. The above-mentioned agency platform does not meet the requirement that “the contracting agency should be the local branch of the acquiring institutionâ€. Many bankers said that if the bank POS machine is applied for, it will definitely have a face-to-face link, or the merchant will apply for a business license, ID card and other materials to the bank, and at the same time handle the bank debit card, or the bank employee to the merchant shop. Verify on site and take a photo record. In the survey, in addition to the free implementation of a state-owned pos machine, the POS machines of many other banks require deposits ranging from several hundred yuan to thousands of yuan. Some mobile POS machines also need to pay a SIM card fee per year. There are a lot of fees for credit card swipes and QR codes to be paid, and these require merchants to “pay for themselvesâ€. Tang Ji (a pseudonym), a POS machine manager of a joint-stock bank, further introduced that the transmission of personal data or business information to strangers has a very big hidden danger. It is not ruled out that the credit card will be misappropriated. When pos machine submitted a copy of the ID card, it was used to register another company in the Trade and Industry Bureau. "You don't know what the company's business scope is. If it is illegal, it is very dangerous." Business information or being caught It can be seen that POS agents generally attract merchants with relatively low equipment prices and short review times, but industry insiders also remind that because some POS agents do not have business qualifications and no professionals, such institutions are After discovering that the market profit space has not met its needs, it will withdraw from the market at any time. Wang Deyi pointed out that in the actual exhibition process, some acquirers did not regulate their operations, and even handled the POS terminal for customers through the Internet, providing a channel for illegal transactions such as money laundering and cash withdrawal, which is extremely risky. In addition, a Trojan program is set up in the POS machine sold on some networks, which may take business information, and the transaction security of the merchant cannot be guaranteed. Li Honghan, a researcher at the Center for Industrial Upgrading and Regional Financial Collaborative Innovation of Zhongnan University of Economics and Law, also said that POS agents are quite common in the payment industry, especially with the popularity of WeChat, Alipay QR code payment and near-field payment. Most manufacturers hope to push the sales channel of this pos machine. “The popularity of payment methods is much simplified in this process, but the risk is even greater. Because it does not go through the formal bank’s payment clearing system, there is a risk of anti-money laundering, and there are risks of arbitrage and cash. For example, credit card cashing, or the use of pos machine to pay for money laundering, as well as gray consumption and the trading of underground money, these risks will undoubtedly have a very large impact on the pos machine industry." Li Hongsui said. Respondents generally suggested that the relevant regulatory authorities should increase supervision and introduce industry standards related to pos machines. For private sales and private sales of pos machines on the Internet, they should be banned and the corresponding administrative penalties should be imposed. Proper length as a styling hair comb, enough quantity for you to apply and meet your replacement needs Hair Combs,Fine Tooth Comb,Rat Tail Comb,Pin Tail Comb Xuchang Le Yi De Import And Export Trade Co., Ltd. , https://www.leaderhairproduct.com
According to Xiaobian, the domestic tens of millions of small and medium-sized merchants have made the POS machine "business" have a large market, but there are also many illegal sales. Recently, some merchants have reported that they had mortgaged 1,800 yuan when they rented the pos machine three years ago. The company has disappeared without waiting for the refund. Xiaobian searched on the Internet and found that there are still many POS machine sales platforms to open the door. Such platforms often adopt a layer-by-layer subcontracting model, and all materials such as audit materials, fees, and equipment are transmitted. Industry insiders remind that such platforms are generally risky and cannot guarantee the security of merchants' information and transactions. Before proceeding, it is necessary to confirm whether the platform is qualified or not.
The Zhonghao Group is only a “middleman†on the POS machine agent chain. The source of equipment from the upper level is also the pos machine produced by the payment license manufacturer. The sales channel of the next layer is more than 2,000 agents. .
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