The difference between the hand brush and the big POS is. After reading this, I understand.

Abstract: What is the difference between a hand brush and a big POS? Why is the hand brush so cheap, and there are so many merchants, why are people willing to spend hundreds of oceans to handle large POS?

First of all, I have a lot of friends recently, and I talked about the big POS. Many friends have this doubt: What is the difference between a hand brush and a big POS? Why is the hand brush so cheap, and there are so many merchants, why are people willing to spend a few? How many hundred oceans do large POS?

If you only occasionally brush a small amount, there is no high requirement for raising the card, brushing the points and brushing the activity, it is enough to use the hand brush; but if there are more cards, the card amount is larger, and the demand for the card is compared. For high friends, the effect of big pos is still much better.

Why is the lifting effect of the hand brush always inferior to the big pos machine? Let's go on.

Hand-painted merchant pool model merchant pool is the payment company to apply for many merchants first, these merchants have various industries, and then do a lot of terminals, this terminal can be a traditional pos machine or a hand brush, these terminals have no merchants, each time When the card is swiped, the terminal is automatically hanged under the name of a large merchant in the background of the payment company, so that the name of the big merchant is displayed by swiping the bill.

Hand brush industry category mode Most hand brushes can only choose the industry, the user does not know which merchant to brush when swiping. Of course, the market also has excellent self-selected merchant products such as cjt and qb.

For the amount of the increase, the industry is the most important, followed by whether the merchant is local, then the credit card, quota, time, and so on. However, the merchants who are hand-brushed are not allowed to choose. The real help for the increase is the restaurant, hotel, bar and other catering and entertainment industries, as well as department stores, clothing, tobacco and alcohol, and other consumer industries. If the company is a communication company, the stone factory , finance, building materials and other industries, even if the rates are the same, but it is not helpful for the amount of the increase. There are also jumps to schools, hospitals and other 0 rates are even worse for cards.

Which cards are brushed out faster and learned.

The hand-sweeping code brush has a single amount of more than 5,000 yuan, and the possibility of jumping code is very large. After long-term observation, we found that the merchant pool model has a hand brush and a small amount of money, most merchants still have no problem, however, As long as the amount of credit card is large, the number of singles exceeds 5,000, jumping in the supermarket or refueling (some banks have no points), there are also some chances of jumping discounts and public welfare 0 rates.

Therefore, for users who often need to brush a large amount of money, it is more stable and safe to use a large machine.

As for why you want to skip the code and contact many payment products, you can get a conclusion that all products have a life cycle, and the payment company strategy for operating the product is long-term income or short-term income.

The importance of local merchants is based on GPS location, and the merchant registration address is assigned by the payment company. Banks only have the opportunity to monitor the illegal movements (the terminology is 32 domain risk control). As long as it is not out of the province, it is no problem. Every time you swipe the card, the city code change will not cause the bank to sound the wind control alarm system. However, if it is a jumping merchant in the province, it is better to have more than one day interval between each card swipe, so that it is in line with actual consumption habits.

The merchants of the big machine are applied according to the customer's requirements, and the address can be located in a certain area of ​​the city, so there is not much concern when swiping the card.

PS: The local merchant is defined as the area corresponding to the credit card issuer.

The impact of the increase on the bank can also be monitored, of course, the card score will have an impact.

So, is it true that the hand brush will not lift the amount?

In fact, a good hand brush can still be raised, provided that the individual has no bad credit records and the debt ratio is not high. If the individual debt ratio is high, or if there is a bad record, it is best not to brush it by hand, it is easy to brush the card.

Some payment companies, the hand brush jump code is not serious, and most of them are standard categories, which are in line with current consumer demand, at least not derating, and it is helpful for the amount of the increase. Here are some tips for using the hand brush. matter:

1. Swipe time as much as possible between 9 am and 8 pm.

2. The credit card amount should not be an integer. Don't be 10000,800 every time, all with zeros. This will make the bank very suspicious. At least it should be a natural number.

3. Don't brush too often. Be sure to pay attention to the time of two swipes not too often, you will not be separated, one will be here, and there will be there again, even if it is the city's merchants, it must be two hours.

4. The amount of a single brush should not be too large. As the saying goes, "shooting a bird" is justified.

5. Just finished the payment, I immediately brushed it out. This is not wise, at least let the money go through the night.

6. Try to use less scan code. Many people like to use the QR code and feel that the rate is lower than the machine brush. The QR code is through WeChat and Alipay. Both companies are risk-controlled, especially Alipay's risk control is particularly strict, and it is easy to be discovered by banks after brushing more.

7. Usually use more, real consumption.

a little bit of TIPS

1. Protect the funds safely, please choose a clear product:

If it is clear that the funds are directly funded by an authorized third-party payment institution, they can be queried on the official website of the PBOC.

For example, for random enquiries, the following are all clear brands, and the funds are worry-free.

2. Use a payment company or brand with a good market reputation:

Word-of-mouth depends on the size of the hopping rate, the effect of the code, the category of the merchant, such as TF, CJT, QB, SXF are relatively excellent products.

3. If you want to perfect the amount, enjoy the wool, DIY personality MCC, you can only use the big POS.

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