信贷与支付

作者: 人可工作室 分类: 新支付,更新… 发布时间: 2024-02-04 10:33

人终身不变的身份是消费者,人活一天就离不开消费,生命不息,消费不止。现代消费的本质是信贷与支付,现代社会的消费,收入与支出总是不平衡,提前消费已经成了现代人的生活方式,需要透支,信贷就成了必然。有消费就有支付,有信贷就有支付,支付如影随形,每时每刻都在发生,支付行业已经成了赚快钱高风险行业。

贷款利息=贷款本金×贷款日利率×贷款本金实际计息天数

年化利率=日利率×365

信用卡最低还款套路分析:

银行规定,信用卡每月最低还款应为10%,10000块的账单,最低只要付1000块就算你信用良好了,其他的,下个月再还,你可别偷笑,从10000消费发生的那一刻起,直到还清的那一天,“未还清的部分”每天付万分之五的循环利息。 如王先生的账单日为每月5日,到期还款日为每月23日,9月5日银行为王先生打印的到期账单包括了他从8月5日到9月5日之间的所有交易账务,本月账单周期王先生只有一笔消费-8月30日,消费金额为人民币10000元,“最低还款额”为1000元,若王先生于9月23日前,全额还款10000元,则在10月5号的对账单中循环利息=0元,若王先生在9月23日前只偿还了最低还款1000元,则按照不同的算法,10月5日王先生对账单循环利息分别为:信用卡循环利息174元。具体计算如下:10000✖0.05%✖24天+(10000-1000)✖0.05%✖12天=循环利息174元/月 搞清楚“最低还款”这个大坑后,再来看看套路分期的另外一个坑: 我们先来算笔账,假如你花12000元买了个包包,分12个月还清,每月还款1000元,表面看起来是这样的:分期手续费为0.6%,那么你每月就要多还12000*0.6%=72元手续费。12个月还下来就要多交864元,利息和手续费不一样,你每个月都在给银行还款,本金不断减少,但是分期还款的手续费却始终不变,自始至终是不减本金计算的。第一个月你欠银行12000元,手续费是72元,到了最后一个月,你只欠银行1000元了,但手续费还是72元,全年算下来你的年化利率高达18.25%利息已经超过1分(12%)了,超过2分(24%)就是法定“高利贷”,超过3分(36%)就是国家重点打击的高利贷,真是不算不知道,一算吓一跳。

从2023年开始,为了清理银行负债,国家明文规定各金融机构放贷利率下调,负债部份利率如果超过14.8%的利息可以不还,或协商分期(最长可分60个月)还清本金及不超过14.8%利率的那部份利息。

信用卡支付与收款

【中国人民银行颁发支付牌照】

央行曾公布了首批获得支付牌照名单,共颁给27家单位,包括支付宝、银联商务、财付通、快钱等悉数获得许可证。

第二批获得支付牌照的13家企业为:上海银联电子支付服务有限公司、杭州银通数码信息技术有限公司、联动优势电子商务有限公司、成都摩宝网络科技有限公司、捷付睿通股份有限公司、证联融通电子有限公司、上海得仕企业服务有限公司、山东鲁商一卡通支付有限公司、山东鲁商一卡通支付有限公司、上海畅购企业服务有限公司、四川商通实业有限公司、南京市市民卡有限公司、上海富友金融网络技术有限公司。

第三批、第四批……

支付牌照从哪里查询呢?既然是央行颁布的,那我们自然要到央行的官方网站上查询,直达链接: 中国人民银行–>支付业务许可证核发信息公告–>已获许可机构(支付机构) 凡是要发行正规POS机(一清机)的支付机构,支付牌照当中都要具有“银行卡收单”这个业务类型,也就是前文中所讲的“银行卡收单业务许可”。这就是一清机支付牌照标识 。

【银行POS机很少有人用】 因为银行申请POS机需要经过严格的审核,不会立刻给你机器的,快的三五天,慢的半个月都不一定给你装好,客户刷卡到账通常都是T+1没有 T+0秒到账的。 另外,银行不能办理移动的POS机,通常他们办理给用户的机器都是只能在一个固定的地方作为收款用,如果你看到银行能提供这种移动的POS机产品,那一定是跟第三方支付公司合作的产品。 所以说,信用卡使用银联授权的第三方支付公司移动POS机来收付款是非常方便实用的,只要是稳定的一清机都是既合法又实用的正规收付款移动终端,请各位卡友放心使用。

【关于POS机费率那点事】

信贷是央行不定期公布一年贷款市场报价利率(LPR),2022年央行四次降准降息,2022年8月22日达到最低LPR一年贷款市场报价利率0.36%,各家银行或小贷公司又在运营时适当上浮动跳点;而支付行业费率标准统一规定POS终端刷卡0.6%,微信、支付宝银联二维码0.38%两个标准,根据政策变动支付平台在运营时可适当上下浮动。

非现金使用储蓄卡刷pos机是要收取手续费的。不同银行的pos机产品刷储蓄卡有不同的费率,一般在0.5~0.6%之间,第三方支付机构的个人pos机费率同样也在0.6%左右浮动。刷储蓄卡是有封顶费的,一般25元封顶。这就意味着,如果使用pos机刷储蓄卡1万元的话,若以0.6%的费率来计算,正常应该收取60元的手续费,但由于封顶费的存在,所以最后只收取25元的手续费即可。但是用pos机刷信用卡是没有封顶费的,刷1万元要缴纳60元的手续费,刷10万元要缴纳600元的手续费,这是pos机刷储蓄卡和信用卡最大的区别。

除了到银行或小贷公司办理信贷外,个人使用信用卡刷卡消费已经成了不可缺少的一种普通信贷模式了,被大家形象戏称为“借鸡生蛋”。合理使用信用卡的前提是必须有稳定收入,并且有高度自律性确保能够按时还款,合理规避信用风险或法律风险

本来银行鼓励合理消费,适当用卡是好事,但因为活跃了这几十年的刷卡机市场,给支付行业带来了很多不规范的骚操作。有的支付平台为了抢市场压低费率,国家标准费率是0.6%他们有的0.58%有的0.55%,反正就是比标准低,这样只能压榨自己的利润,他赔了吗?不会的!因为他会跳码,有福利费率0.38%甚至走公益费率0.3%来争夺巿场,你想想,市场被他抢了,钱他收了,银行那走0%费率,银行不收他吗?于是银监会就给他罚款了,给用户降额封卡了,甚至掉销支付牌照。银监会罚支付公司都是十几二十亿的罚。他为了快去收回这笔钱就要从客户身上下手,所以就偷偷涨费率不说,还收什么“押金”、“秒到费”、“保险费”等等,以至于现在很多都是刷卡万元从60+3升到了高达150+3高费率,还叫水军在网上整天说“便宜没好货,好货不便宜”,去让你默认他们的骚操作。

用户使用正常费率通道刷卡时,如果单次刷卡10000元,最低费率是0.55%+3元,总共付出58元手续费,发卡行可以收到45-3.25=41.75元,银联可以收到3.25+3.25=6.5元,POS厂商及代理商收到9.75元。如果使用云闪付通道呢,用户最多付出38元,POS厂商没有钱,银联一分不要,可能还倒贴一点给银行,银行收到的钱大于等于38元小于等于41.75元。

首先,为了“浑水不流外人田”与微信、支付宝抢客户,银联肯定是希望用户多刷云闪付的,否则不会花那么多钱补贴来创造扫码条件。

其次,看银联的股东组成:中国银联总股本达16.5亿元,股东有85家之多并分成三个层次。其中以工、农、中、建为代表的国有独资商业银行各投资9000万元并列第一大股东,而非独资国有股份制商业银行——交通银行也进入了第一大股东之列。第二集团军是实力型全国股份制商业银行:招商银行、浦发银行、中信银行、光大银行、华夏银行等9家银行组成,它们分别出资5000-8000万元。而近70家全国各地的城市商业银行和城市信用社组成第三大股权部落。从银联的股东构成来看,各商业银行其实也是银联的股东。银联要做的事肯定是有利于自己的,各股东应该配合。

什么叫安全稳定的POS机?

截止2022年6月26日拥有全国范围支付牌照的收单支付机构47家,区域范围的11家,其中有POS机业务的才有30家(详见央行官网一清机名单)。规定T+1刷卡支付次日到帐,但多数支付平台收取3元秒到费垫付后立刻到账,才变成了T+0支付到账。刷卡机市场发展到今天,安不安全的问题都不是大家要关心,凡是银联报备有支付牌照的公司都是合法经营,根本不必担心收不到钱。但是POS机好不好用,稳不稳定,倒是大家最关心的。

首先一定要是一清机。支付终端POS机分为一清机和二清机,它们的主要区别就在于刷卡收单结算环节,一清机结算是由银行直接结款到商家账户,二清机都是借用一清机的支付渠道,很多二清机公司都是没有支付牌照的,所有二清机公司非常不稳定,随时存在圈钱跑路或因监管而暂停或取缔,经常用这些刷卡机的话,你的信用卡随时被风控,有被降额封卡的风险,所以二清机是万万不能用的。一句话,小心使得万年船,交友不慎必翻车。但凡合作推广使用产品都必须选择合法合规公司,象做直销一样,一定要找有直销牌照的那90家实力派直销公司(在商务部官网上查)合作,不要勾搭那些疯狂的上千家非法传销;而做信用卡支付与收款就必须找有支付牌照的一清机实力派公司(在中国人民银行官网上查)合作,不要与那些挂靠、无照小商小贩玩什么二清机而冒险。用句俗话来说就是“你结个婚,要有结婚证;开个车,要有驾照和行驶证”那么简单!

“一清机”,全称为“一次性清算机具”,其资金清算流程共3步: ①持卡人在POS机上刷卡交易–>②银联、银行、收单机构(三方清算)–>③收单机构将交易结算款转入POS机持有者的银行账户。 重点是“一清机”收单机构就是POS机这家公司。 “二清机”,全称为“经过二次清算的机具”,其资金清算流程共4步: ①持卡人在POS机上刷卡交易–>②银联、银行、收单机构(三方清算)–>③收单机构将交易结算款转入某公司或某个人的银行账户(这里统称为“别人账户”)–>④“别人账户”再将交易结算款转入POS机持有者的银行账户。 因此,我们只需要登录“POS机绑定的收款账户”的网银或APP,查看一下转入POS交易结算款的对方账户信息,即可很容易判断出当前这台POS机,是“一清机”还是“二清机”: 如果汇款方是收单机构的账户,那么这台机器就是“一清机”; 如果汇款方不是收单机构的账户,而是其他公司或个人的账户,那么这台机器就是“二清机”。 “二清机”收单机构不是POS机这家公司,因为这个POS机平台没有支付牌照或者不具有“银行卡收单”这个业务类型,用户刷卡后的资金,在经过银联、银行、收单机构的三方清算之后,要先流入别人的账户,再由别人转给你。 多出的这一步骤,用户的资金已脱离了国家监管,一旦此公司或个人携款跑路,用户即面临资金损失的巨大风险。因此一清机是有支付牌照的公司合法产品,各位卡友必须选择合法合规的一清机产品安全稳定使用,坚决抵制和规避滥用二清机风险。二清机就好比非法传销的劣质产品,谁用谁吃亏。对普通用户而言,没有必要深究什么法律法规的东东,就用有银行卡收单支付牌照的公司产品一清机就好了,因为第三方更小的操纵,则意味着更大的安全、更长久的稳定、更加的靠谱。从而规避“跳码”、“套码”、“商户不落地”、“费率不稳定”、“圈钱跑路”等这些卑劣行为,对用户信用卡的严重伤害。

其次看是否跳码,是否有本地商户。

很多pos机商户如果无法定位本省或本市,那么刷卡之后就会全国跳码,如果持卡人上一笔订单在成都,不到半个小时下一笔订单就在上海,这是肯定不可能的,必然会引起银行的监管,对信用卡风控极有可能造成降额封卡的结果。

综上所述,必须正规安全,拥有央行颁发的支付牌照且设备终端经过银联认证;费率合理,刷卡0.5~0.7%区间,扫码标准费率0.38%并且无秒到费或年费等其他费用;性能稳定,有海量优质本地商户,不乱跳码,不乱匹配。搞明白了这个重点,大家就赶紧看看自己手上用POS机是不是一清机?不是一清机就换成一清机吧!推荐大家用中国银联认证的“联动PLUS”最新移动POS机,费率合理没有秒到费、安全稳定不跳码,使用方便快捷。

【POS终端收款扫码】

正扫:即收款码支付,商户提供收款二维码,而消费者用手机APP扫码支付; 反扫:即付款码支付,消费者提供应付款二维码,而商户运用扫描枪或POS机扫码收款。

商户通过扫描付款方二维码,发起支付流程。该模式下,付款方通过手机支付(推荐用云闪付APP)提供包含付款账户信息的二维码,商户录入交易金额并通过专用扫码设备(扫码枪或智能POS)完成扫码,进而发起支付指令。由于是商户发起支付指令,付款方在此过程中手机可处于脱网状态,此外,商户扫码设备由支付机构定制提供,安全程度较高,因而此模式下小金额支付基本采用免密模式快捷支付。ETC或超市收银台就是这种反扫收款模式。

信用卡支付刷卡机提供商户收款码收款时,是用正扫方式扫码支付,也就是消费者通过手机扫码(云闪付APP事先绑定信用卡)快捷支付,平台费率标准为0.38%一般不限收款笔数,但每笔限额或每天限额是多数支付平台基本要求。在云闪付的规则里面,扫云闪付二维码单笔小于1000元,费率0.38%,超过1000元将按照POS机刷卡正常费率执行。也就是说,云闪付其实是有“场景”限制的,只有在1000元以内甚至更低才是0.38%,而且云闪付费率之所以只要0.38%是中国银联补贴后的费率,目的是为了推广云闪付占有移动支付市场,但是又没法投入太多钱,所以2023年4月份后多数POS机限制每单几百元,每天限制扫码几单或随着风控更低更严,有的直接关停扫码通道。

信用卡刷卡分润:

信贷与支付是金融的本质。因为银行是盈利机构,不是慈善机构,银行提额首先要考虑的是你有没有经济基础和还款能力,多消费意味着你经济基础不错,有还款能力,如果偶尔分期消费或有境外消费,说明你有稳定收入来源或有一定的经济实力,你的用卡情况在系统评分中更能起到重要的作用。

长期保持小额度消费习惯,不要怕麻烦,切记!世界上没有又简单又省心的好事,尤其是面对银行这种靠信贷与支付来盈利的金融机构,我们既不要做“白户”,更不要做“黑户”,因为不发生关系就不会有结果,你不理财,财不理你!信用是根本,你无信用,银行就不跟你玩了。所以说,我们必须长期保持良好的用卡习惯来满足银行系统的综合评分需求,才能成为银行的优质客户,也才能享受银行提供给我们的优质服务,这叫诚信交易,又叫信贷

从上图就可以直观看出银行、平台、银联三方通过刷卡机赚钱的本质,当然这也是合法合规、合情合理的事,只有这样子,客户才能长期稳定通过“银行卡收单”与银行发生信贷关系。近年来各平台风控降低银联扫码支付额度,主要原因是本身0.38%就是属于优惠费率,对于银联、银行来说都是不赚钱的买卖,所以银联时不时会下发行业风控通知,限额或关闭通道,经过上述分析,这个风控大家就很好理解了。

【风控政策调整案例】

尊敬的联动Plus合作伙伴,您好!
自2023年4月11日22点起,0.38%费率银联二维码(云闪付)交易限额将作适当调整,其他交易通道限额暂未做调整。

具体规则:

1.单商户单日单笔银联二维码交易限额300元, 单商户单日限交易1笔。
2.原先0.6%费率刷卡消费调整为0.71%费率+3元秒到费收取。

综上所述,客户根据自己的用卡和还款实际,少刷卡收单,依然通过云闪付App每天单笔0.38%银联二维码扫码小额收单使用为佳。

〖POS机消费最佳玩法〗

立刷电签版POS机刷卡消费费率是0.58%+3元/笔的快速提现手续费;

乐刷或联动Upay电签版POS机刷卡消费费率是0.55%+0,微信、支付宝、云闪付扫码费率0.38%+0

升级为营业执照实体店用

电签升级营业执照后,机器上可点击功能-收款,使用收款功能固定商户,使用收款菜单交易借记卡手续费25元封顶,贷记卡不封顶,费率一般刷卡0.6%或扫码0.38%。

当然,各行各业在引流锁定精准客户之前,都是玩走流量战略,每家平台新POS机型上市短则几个月长则一两年都会降低费率,刷卡消费费率0.5~0.6%+0元/笔,云闪付银联扫码支付0.38%+0元/笔,等到客户稳定了,想长期发展的良心支付商一般会调到国家规定的标准费率,而二清机短期行为就会调整到超出标准费率很高的收费情况,有的甚至还会用支付保险费捆绑收取费用,这就是POS机银行卡收单支付行业常玩的套路。

【建议】小额度消费用乐刷POS机0.38%+0银联扫码,大额度刷卡就用联动Upay机来刷0.55%+0

史上最低利息信贷出现……

2023年国家大力扶持实体经济,银行放贷降准降息。

正规消费平台借钱常规年化率:

年化利率=日利率×365

0.05%×365=0.1825=18.25%

2023年5月建设银行最低的消费信用贷款年化利率才0.36%

3.6%/365=0.000099=0.0099%每月利息一厘都不到,真是史上最低的消费贷款利息了,能用消费贷款的话总比玩POS机银行卡收单划算多了。

【关于套现风控】

信用卡套现,因为表面上这是一笔商品的买卖消费,银行最多是从商家那里可以收到一笔很小的刷卡费。同时因为银行信用卡有着20~45天的免息期,银行在此过程中还收不到任何的利息收入。所有的利润都被那些套现的中介或者商家赚走了。

另外,从反洗钱的角度来看,信用卡套现是一种明确的洗钱行为,因为他掩盖了这笔交易真实的面目。而且被套出来的资金有可能被用于国家严令禁止的方向,例如买房子、股票投资或者非法活动,这样也严重扰乱了国家的金融秩序,全国迭加起来大量的套现货币量会造成金融安全风险。

其实,过度的依赖信用卡套现的确害人害己,货币市场中的信贷债务越来越多,除了恶意套现信用卡诈骗犯罪外,“重度卡奴”拆东墙补西墙,长此以往,窟窿只会越来越大,循环负债累累,最终长年累月债台高筑会拖垮负债人。所以说,一方面,银行官方必须采取有效措施监管控制或打击信用卡套现违规行为;另一方面,个人要尽快开源节流,自觉抵制过度套现行为

抖卡“智还”平台从2018年推广至今费率0.7~0.75%一直居高不下,与POS一清机比较,费率根本没有什么竞争力,当时2018年刚玩抖卡支付行业时大家没有比较,认知上有缺限,图方便、赶新鲜,结果大家吃了不少亏,交了不少智商税,这种所谓的“智还”平台表面上是帮大家保征信,其实质就是“温水煮青蛙”效应,门外汉只会整天跟风喝鸡汤、打鸡血,一哄而上,入门后冷静做个比较,再熟悉一下支付行业的行规和套路,就什么都明白了。

这年头被互联网项目搅浑水吃亏上当的人的确不少,无论网贷、盘圈、币圈、非法传销、智还平台等等五花八门的项目割韭菜害人无数,让资金周转困难的人雪上加霜,这些赚快钱圈钱跑路的平台本质就是个诈骗陷阱,不了解支付行业潜规则的人入坑太深,从2015年以来这些打擦边球的互联网项目真心害人不浅,银联风控必须叫停这些支付平台。正在热衷于此的人该觉悟了,早点告别加杠杆搞倍增的所有行业,做一些合法合规的理性行业吧!

信用卡当作急用时的“保险卡”来用是对的,但“以卡养卡”来回倒钱实在不划算,只会循环负债滚雪球越滚越大。特别是没有稳定收入人群或月透支刷卡额度超过月收入2/3的“重度卡奴”,必须自律起来及时止损,变卡奴为正常消费者。资金需求还是要用政策性的商业信贷来运作靠谱些,当然必须是银行柜台办理的低息消费贷,而不是“个贷中心”第三方中介推荐或代办的信贷产品,这个中介手续费是巨坑,这些中介只会给负债人雪上加霜。

在合理使用信用卡的过程中注重开源节流,如何节省刷卡费用呢?除了不超过0.6%标准费率外,小额度消费就用微信、支付宝或银联云闪付扫码支付都是执行0.38%费率

现代社会越来越没有暴利了,薄利多销已是常态,看来正常信用卡日常消费(月透支额度不超过月稳定收入的1/3)扫码支付才是王道。如今每一部手机都可能成为一个移动支付工具,再配合支付终端(银联POS机)就可以完美实现正常的信贷与支付了。面对互联网时代人们生活的碎片化,随机性交易不断增加,也只有移动支付能够满足这种特殊条件下的支付需要。随着现代移动通信技术和移动互联网发展,移动支付的基础将越加牢固,从而使可能更容易变为现实。同时,移动支付所能够带来的价值附加,将又远甚于互联网支付。

最终章:玩转信用卡就那么几点了

一是关于影响贷款的问题。信用卡能应急,把信用卡视为保险卡。这一点相信用过卡的人都会整明白的,当下借钱的事是越来越难了,最好是不要借钱给别人,也不要向别人借钱。急需一笔钱的时候,大额的信用卡结合POS机工具轻松实现信贷与支付无疑是解决问题的最佳选择。但持卡太多会影响贷款,特别是四大行的低息消费贷款对持卡数是有限制的,超过四张审批通过率就会大打折扣了。房贷对于卡太多的人来说,如果其他证明材料不太给力的话,银行也会要求你销卡或减少用卡数量。

二是关于费率的问题。官方标准刷卡消费费率就是0.6%,扫码支付费率0.38%,能用标准费率又不加秒到费、保险费等乱七八糟的费用就行了,千万不要去图五花八门推销人引流时期给你的低费率,因为你图费率低,这些家伙后续几个月或一年两年后就乱扣你的押金、秒到费、保险费、信息费等,还瞎胡乱给你涨POS机的费率,并且涨价了不告知你,让你踩坑而得不偿失,更恶心的是这些家伙拉黑你联系方式或骗钱跑路,坑蒙拐骗让你联系不上。

三是关于一机一户风控问题。这个“一机一户”的规定依据是2021年10月13号发布的《中国人民银行关于加强支付受理终端及相关业务管理的通知》简称259号文件。这是为了资金安全,为了保障商户的利益,为了防止洗钱等违法违规行为,央行才出台新规。无论电签还是面签,凡是不用营业执照办的POS机都属于小微商户,之前通过技术手段,可做到智能匹配标准商户,比如刷一笔显示商户是某某超市,过会儿再刷一笔显示就是某某酒店,再过会刷一笔,就是某某服装店了,这就是大家俗称的“一机多商户”,现在跳码不允许了。怎么办呢?只要遵循“安全,费率,账单”三个要素,多注册几个个体商户,与之对应的激活几台靠谱的新规单序列号POS机就行了。另外,必须让信用卡融入到我们生活的方方面面,比如说美团,淘宝,京东,唯品会,拼多多,抖音,支付宝,微信等等各大电商平台。这样我们每张信用卡,除了我们用自己的个人POS机刷卡的商户,我们还有很多线上线下的商户名称,这样子满足了多元化消费,增加了消费流水,成了银行优质客户,从而有效规避信用卡降额封卡风控。

四是关于套现与日常消费混搭问题疯狂刷卡套现直接就是触发了银行的风控系统,也就是行话说的直接针对违法行为的拦截,一旦被系统判定成这个行为,那么你的信用卡肯定会封卡降额的,或者直接就是因为刷卡套现封卡。所以,这里一定要了解透彻卡片的本质,那就是信用卡不能只用来套现,因为信用卡套现本身是不合法不合规行为。虽然银行支持消费默认了适应的套现,但是也是有底线的,如果你恶意套现直接触碰底线的话,那么直接就是降额封卡。所以,建议大家就是按照银行的标准合理刷卡套现,不要连续同机同卡同时疯狂刷卡。消费不在于你消费金额的多少,而是在于你的消费记录和消费场景,哪怕你去超市用信用卡消费1块钱买瓶水都是消费记录。或者直接去去品牌店消费一个低价的商品也是一个优质的消费场景,所以要的不是消费金额,而是消费记录和消费场景。包括订外卖、线上商城,线下商城购物,微信和支付宝扫码日常消费等,多一些其他消费记录等,这种就可以对标银行说的合理刷卡啦。同一张卡不要连刷超过3次,建议每刷卡套现两三次就日常小额消费一两次。不同卡可以连刷,刷卡频率高的建议增加pos终端。你的终端越少,越要有日常消费,多元化消费,你要知道信用卡不是只用来套现的,变商户只是迎合市场人们的需求,但不要以为变商户就是安全的。

五是关于POS机品牌问题拉卡拉POS机已经通过了中国人民银行PBOC2.0 Level2的认证,这是最高行业认证。拉卡拉POS机也是目前落实支付行业政策最值得拥有的支付公司品牌,2023年已上市的4G银联POS机是最稳定可靠的同类型品牌,用拉卡拉POS机“扫一扫”收款功能,费率稳定在0.38%并且微信、支付宝都可以扫码支付,无执照小微商户每笔限5000元,每天限5万元,云闪付1000元以下每笔秒到账,1000元以上次日到账。只要能长期稳定下来使用且每个月都能扫码支付1万元以上的话,连续用12个月就自动退还299元的POS机租金到银行卡中,换句话说就是等于赠送一台稳定可靠的品牌POS机给你永久使用。

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