The central bank promoted the card processing fee to change the POS machine on-site registration or into a trend
It is a foregone conclusion that the card processing fee will be changed. The central bank and UnionPay are intensively promoting relevant preparations under the pressure of the September 6th time.
Following the promulgation of the Notice of the People's Bank of China on Improving the Pricing Mechanism for Bank Cards and Fees on March 18, on May 4, all branches of UnionPay conducted a round of training for local payment agencies and their subsidiaries, further clarifying The rights and responsibilities of all parties in the future industry chain are defined.
The contents of the economic observation report training meeting were informed that the price change schedule was forced down, and the creation of a real-time verification scenario is becoming the next stage of its goal. According to the training materials, in the short term, the concern for the authenticity of the merchants and the rectification of the Erqing institutions have become the top priority of the UnionPay work.
The current offline acquiring market is still in a chaotic situation.
On May 3, the payment license issued by the central bank in the first round has expired in five years. However, before the release of the Economic Observer, the central bank has not announced the list of renewed institutions. At present, the payment agency industry is in a vacuum period of unlicensed operation. A person close to the central bank revealed that the central bank is still inspecting and assessing various payment institutions, and "the work is not over yet." "The attitude of the central bank to the future payment institutions is now different internally. Now the workload of the inspection is very large. Even the two companies that have always been considered to be UnionPay, UnionPay Business and Tonglian have been sacrificed 'killing monkeys and chickens'. In addition, the renewal time has been postponed, and the list of possible renewals will not come out so soon." The person told this newspaper.
Although almost all payment institutions have called for the separation of lending and the market price of credit card fees, the darkness before dawn is still a little tough before the day comes. “This year is the most difficult year in the history of payment institutions, and there is no one.†A vice president of a third-party payment company told the Economic Observer, “that is, in 2014, because of the tens of billions of current banks, the central bank called 8 third-party payments. The expansion of new merchants in some provinces and cities is still targeted supervision, and this year is a carpet-type investigation, and almost no payment institution has been dropped."
After September 6, the new price system went online. It is still necessary to wait for the time to check if the mess can be terminated.
Central bank pressure
Different from the past, this year, the inspections of the payment agencies have been led by the central bank.
The above-mentioned people close to the central bank revealed that the risk of fraudulent card fraud and cash-out cases has surged in the whole year. In addition, several major billion-dollar Internet financial platforms such as Pan Asia and e-Tibet have successively crashed. This year, the central bank increased its illegality in the Internet finance field. The suppression of violations. "Whether it is stolen or cashed, with the expansion of risk exposure, it is easy to cause social risks and mass incidents. Money laundering is even worse, and the regulatory attitude is zero tolerance." The source said.
A senior third-party payment market person told this newspaper that in fact, in the past few years, in the chaos of the collection, on the one hand, UnionPay has been criticized by "referees + athletes", and on the other hand, the central bank’s supervision and dereliction of duty have also been Public opinion asked. "At the level of payment business, the central bank has a lot of rent-seeking space both in itself and under its branches," the source said.
In this round of investigations, the central bank has performed quite well.
In addition to the assistance of UnionPay, the central bank even mobilized the power of the public security, industry and commerce departments, and jointly set up a remediation and payment crime office, and carried out a carpet inspection of the branches of large and small payment companies. The focus of the inspection was on the Qing government and the reserve fund. Appropriation. In addition to this, false merchants are also a problem in front of the people. It is worth noting that UnionPay Business and Tonglian, which was once considered to be a UnionPay system, was also investigated and dealt with by the central bank for its involvement in the Qing Dynasty.
On April 14, 14 ministries and commissions led by the central bank jointly issued the “Special Work Plan for Risk Remediation of Non-Bank Payment Institutionsâ€.
The subtlety is that the list of renewed cards that should have been released before May 3 has been delayed.
"The workload of the inspection is very large now, and many of them have not yet ended. In addition, the renewal time has been postponed, and the list of possible renewals will not come out so quickly." The person told the Economic Observer that he would treat the future of third-party payment. There are certain differences in the internal attitudes of the central bank. "Some people think that some of the behaviors of some payment institutions have broken through the bottom line of the industry, bad money has driven out good money, and the overall attitude of the industry is hidden. The other part thinks that the overall development of the industry has achieved a great deal. The results should be given modest space for development."
UnionPay turned
The “721†diversion opportunity, that is, the mechanism for allocating the fee income defined by the MCC (Business Class Code) according to the distribution ratio of the issuing bank, the acquirer and the UnionPay 7:2:1 – finally exited the historical stage. time.
Although UnionPay is still unable to get away from the "direct link" (banks and acquirers bypassing UnionPay, directly to the "721" of the "721" which belongs to UnionPay), but in the short term, the authenticity of the merchants Concerns and the clean-up of the Erqing institutions have become the focus of the UnionPay. The so-called Erqing institution refers to a bank that is different from a banking institution and a third-party payment license.
The Economic Observer was informed that UnionPay will cooperate with the central bank to check the irregularities of payment institutions and create a real-time verification scenario, which is a two-pronged approach.
According to the "Registration Regulations for UnionPay Card Merchants Registration" (the 15th year of the Industry Management Committee), on-site registration refers to the registration method for basic information entry at the entity-specific merchants through the designated application.
“Commercial on-site registration, when developing a merchant, it is necessary to take photos and transfer information to restore the real scene and MCC corresponding information.†Close to UnionPay revealed that although the price classification of MCC will cease to exist after September 6, MCC classification It will still exist and be retained for big data analysis. “The method of on-site registration begins to migrate to the mobile phone. The mobile phone GPS location record is taken to obtain the business name, registered address, merchant contact information, merchant store photos, Photo of the merchant's license; other information besides the basic information, the acquirer needs to complete the business management platform one by one or in batches, such as business editing, billing information, clearing information, etc."
On the other hand, the UnionPay wallet also embeds a module of false merchants reporting rewards, mobilizing the power of the masses to supervise the market.
In addition, in the next half year, for UnionPay, the challenges are also very heavy – system transformation and testing, direct billing merchant billing data adjustment, merchant agreement exchange, liquidation adjustment, non-standard price merchant on-site registration and evaluation The timetable for the work of UnionPay has also been clear.
According to the information obtained by the newspaper: Starting from September 6, 2016, UnionPay will implement the one-size-fits-all principle for the card issuer system, and the UnionPay system will be liquidated in accordance with the new standards. Prior to this, UnionPay required all payment institutions to formulate a price change agreement exchange plan before May 6 and submit it to the UnionPay branch, and confirmed the list of price change work interface personnel and responsible persons, and from 3 months before June every month Provide last month's merchant agreement exchange, direct and inter-bank merchant billing data adjustment progress to UnionPay, set up a special working group to adjust the fee adjustment work before May 10, complete all merchant agreement changes before September 6 Sign and complete the parameter adjustment in the merchant registration system. After August 5, UnionPay will no longer accept the adjustment and liquidation of transactions that occurred before the price change. On September 2nd, UnionPay will carry out periodic billing and liquidation adjustment, send cycle clearing documents on September 3, complete fund transfer on September 5, and cycle billing on October 10 according to the standard after price change.
At the same time, starting from May 17, 2016, new tax reduction and special billing merchants must evaluate, new preferential merchants can start evaluation; preferential merchants who enter the network between May 17 and September 2, On-site registration must be completed and submitted for evaluation on September 2, 2016; new concession merchants must be evaluated from September 6, 2016.
It is understood that the implementation guide was released to the entire network by the Secretariat of the Technical Management Committee before the end of April 2016. The other revised contents of the exchange specification will be officially released to the whole network from June to July 2016 after being reviewed by the Technical Management Committee and the revised contents related to the price adjustment guide.
Road resistance and length
According to the "Notice of the People's Bank of China on Improving the Pricing Mechanism for Bank Cards and Fees", the issuer's service fee rate and network fee rate have been reduced. The separation of loans and cancellation of MCC price classification is one step: the rate level is reduced to Debit card transactions do not exceed 0.35% of the transaction amount, and credit card transactions do not exceed 0.45%. The rate level is reduced to not exceed 0.065% of the transaction amount, and the card issuing and acquiring institutions each bear 50% (that is, the rates charged to the card issuing and acquiring institutions respectively do not exceed 0.0325% of the transaction amount).
The card issuer's service fee charged by the card issuer, the debit card transaction fee is not more than 13 yuan, and the credit card transaction is no longer capped. The network service fee charged by the bank card clearing institution does not distinguish between the borrowing and the credit card. The amount of the single transaction is not more than 6.5 yuan (that is, when the bill is collected separately from the card issuing institution, the single fee is not more than 3.25 yuan) The acquiring service fee charged by the acquiring institution is changed from the current government-guided price to the market-adjusted price, and the acquiring institution negotiates with the merchant to determine the specific rate.
In the previous rate standard, the single fee was capped between 26 and 38 yuan, but now it is directly charged according to the fee rate, and the top is not capped. From this point of view, the cost of large-value cash is much higher.
However, many payment agencies interviewed believe that although the problems of Erqing and cash-out sets can be alleviated to a large extent, they will not disappear completely, but will exist in another form.
"The problem of cashing out will be relieved to a certain extent, but it will not disappear. This is a problem that is difficult to cure." A credit card center of a joint-stock commercial bank told the Economic Observer, "The fees for each bank under the current rate system. Each has a difference, the capping is less than 25 yuan, and the interest is basically five tenths of a million. After the implementation of the new regulations, the overall cost of cash withdrawal will be greatly reduced, and the small amount of cash can be diverted. The large amount of cash is actually the market. Just before. The private lending rate is too high and the credit card cashing cost is too low, so there will be a lot of fake card cashing. The future cashing cost will increase accordingly, and the difficulty will increase, but as long as the credit card's cash-out cost is lower than the private lending rate, The cash will still exist."
A senior market source added that after the price change, the county township and the three farmers' concessions will disappear, and the new arbitrage will also be transferred to the new preferential rate area, in accordance with the "People's Bank of China on improving bank card processing procedures. The Notice of Fee Pricing Mechanism stipulates that for supermarkets, large warehouse stores, water and electricity gas payment, fueling, and transportation ticket sellers, the preferential rate shall be determined according to the principle of “maintaining the overall stability of the rate levelâ€. The preferential period is 2 years; for non-profit Sexual medical institutions, educational institutions, social welfare agencies, pensions and charities will implement full reduction of service fees and network service fees for issuing banks. Therefore, these two areas are likely to form new arbitrage. “After the new price system has landed, hundreds of MCC package formats have become two types of merchant packaging behavior, and the difficulty of troubleshooting is greatly reduced. Arbitrage may not be so easy, but it cannot be guaranteed to disappear.â€
"Recorrely, as long as there is demand in the market, someone will do the second clearing in disguise. The second clearing can help cash out, and the funds can be deposited. Although the country is now hard to clean up, the difficulty is increasing, but like the black market, There is always a way to quietly breed," the source said.
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