Editor's note: The same credit card, the same store, the same number pos machine to swipe, three different transactions, but can not get the same points. Is this the responsibility of the acquiring bank or the responsibility of the issuing bank? Who is the POS machine that has changed the merchants? "Phantom of the Shadows" is heavy, and the questions are heavy...
A few days ago, the "Investor News" conducted a detailed investigation of the credit card points of 16 listed banks across the country. The article mentioned that whether there is a credit for credit card consumption depends mainly on the type and setting of the POS machine (commonly known as the credit card machine). In the July 2010 issue of the "Wealth Management Weekly" published "The Secret Credit Card Overlord Clause: Bank Confidential Collection Indicators" also mentioned that the credit card points should be in the specified POS type, because all commercial banks with credit card business are set up. You must swipe your card at the specified POS type (the type of merchant registered with the UnionPay) to earn points.
POS card with the same number does not necessarily have points
Recently, Zhejiang Online “Minsheng Express Train†reporter received a complaint about credit card consumption points. Lao Shen, who lives in Hangzhou, said that he used a joint-stock bank in Hangzhou’s large pharmacy in late 2010, June 2011 and September 2011. When credit card consumption was found, there were points at the end of 2010, and no points were earned for the two spent in 2011. From the surface of the documents, the acquiring banks are all Bank of China, and the POS machines with the same number of Bank of China are used.
As with the previous reports, the POS machine used by the old Shen card for the first time is in the range of the integral type, and the POS machine used twice is not within the integral type. "In the same store with a credit card, use the same number of POS machines to swipe the card, why the difference is so big? How many secrets in the POS machine are we do not know?" said Shen Shen.
In response to this matter, Zhejiang Online "Minsheng Express Train" reporter conducted an in-depth investigation.
Bank of China: People's Pharmacy is both wholesale and retail
In the face of Lao Shen’s doubts, Xuan Ning, director of the Bank of China’s Zhejiang Branch Office, explained: “It is only possible to confirm that the old Shen’s credit card consumption did not receive points. It is indeed caused by the POS machine’s merchant type being changed from retail to wholesale. When the reporter asked, why the merchant type of the large pharmacy of the people would change, Xuan Ning said that he would not answer, and suggested that the reporter consult the large pharmacy of the people.
Indeed, the reporter subsequently learned in relevant departments that bulk commodities (such as houses, cars, etc.) and wholesale merchants, as well as online payment consumption, do not count points in most banks.
A few days later, a person in charge of a high surname in the Hangzhou Branch of the Bank of China said that after the Bank of China and the people’s pharmacy communicated, they found that the types of merchants in the large pharmacies were both retail and wholesale, so the people’s pharmacy had two This type of POS machine may be caused by a mistake in the operation of the clerk at the time of collection.
People's Pharmacy: Our business type is retail
Is the fact the same as the explanation given by the Bank of China? The big pharmacy gave the opposite answer.
Zhang Chunhui, head of the finance department of the People's Grand Pharmacy Chain (Zhejiang) Co., Ltd., told reporters: "The POS machines we use are indeed Bank of China. The types of merchants registered with the Bank of China are also retail. Regarding the change of merchant types, We don't know or know at all. And so far we have never asked the Bank of China to change the retail category to the wholesale category."
Subsequently, the reporter in the secret visit to the people's large pharmacy Pingfeng Street shop, Jiaogong Road shop and Zhaohui Road shop, the three store clerk said that there is only one POS machine in the store, how can there be two POS machines, credit card can not score The bank has the final say.
Insiders: The POS machine's merchant type has been changed
“Through the verification of the POS number shown on the purchase order provided by Lao Shen, the Bank of China has changed the merchant type of the numbered POS machine from retail to wholesale, so that the old Shen in June 2011 And the credit card consumption in September failed to earn points, because there are no points depending on the type of POS," the relevant industry insiders told reporters.
At the same time, the industry insiders said that most of the POS machines used in shopping malls, supermarkets, entertainment venues, etc. are arranged by banks themselves; each bank generally has its own acquiring system and card issuance system, and the acquiring system is mainly The management and setting of the parameters of the merchant and the POS machine, the merchant type is one of the important parameters, so the acquiring bank can modify the merchant type corresponding to the POS machine, and the card issuing system can query the POS corresponding to the card swiping transaction of the bank. Machine merchant type.
After many consultations, Lao Shen finally made up his lost points. However, in the absence of an application from the general pharmacy, why did the Bank of China change the type of merchants in the large pharmacy? What is the basis for changing the type of business? In this regard, Zhejiang Online "Minsheng Express Train" will continue to pay attention.
Tips:
Merchant category and cross-bank transaction merchant settlement fee allocation.
According to the "China UnionPay Institutional Bank Card Interbank Trading Income Distribution Method" document, the POS interbank trading merchant settlement procedure income distribution standard shows:
1. For merchants in hotels, restaurants, entertainment, jewelry, arts and crafts, the fixed income of the issuing bank is 1.4% of the transaction amount, and the standard of the UnionPay network service fee is 0.2% of the transaction amount. (all are not capped)
2. For general types of merchants, the fixed income of the issuing bank is 0.7% of the transaction amount, and the UnionPay network service fee standard is 0.1% of the transaction amount. (all are not capped)
3. For real estate and automobile sales merchants, the fixed income of the issuing bank is 0.7% of the transaction amount, and each maximum is not more than 40 yuan; the UnionPay network service fee standard is 0.1% of the transaction amount, and the maximum is not more than 5 yuan. 4. For wholesale merchants, the fixed income of the issuing bank is 0.7% of the transaction amount, and the maximum per transaction is not more than RMB 16; the UnionPay network service fee standard is 0.1% of the transaction amount, and the maximum is no more than RMB 2.
5. For airlines such as airline ticketing, refueling, and supermarkets, the fixed income of the issuing bank and the service fee of the UnionPay network will be halved compared with the general type of merchant. (all are not capped)
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