Today, mobile phone POS of various brands is blooming everywhere, and the POS collection and payment industry is no longer mysterious. The manufacturers in the industry are tearing off their last piece of fig leaf.
When the lead is washed away, everything is really white, and people are ultimately concerned about whether the mobile POS is safe.
Mobile phone POS is closely related to people's daily life, saying that it is a bit exaggerated about the life of the family, but once it is a little lost, many years of hard work will also be lost. Therefore, the security of mobile POS is worthy of our serious consideration.
What kind of mobile phone POS is safe?
First, there must be a license, and a third-party payment license approved by the People's Bank of China for the acquiring business. With this license, it means that the company is a legal entrusted payment company. The company is going to provide the People's Bank of China with a huge reserve margin to deal with the financial security of consumers who may be experiencing economic problems and ensuring the use of mobile POS.
Secondly, we have to figure out a clearing machine and a second cleaning machine.
The so-called clear is a liquidation. The bank or third-party payment company directly settles the money to the user-bound bank card. After the card is finished, a data packet is sent to the third-party payment company. The third-party payment company sends the data packet to UnionPay for settlement. After the settlement is completed, the data packet is sent directly to the bank card issuing bank that binds the POS machine, and the card is issued. The bank then settles the money to the bound bank card.
Second Qing is a second liquidation. There is also an intermediary between the end user and UnionPay. After UnionPay or a third-party payment company settles the money to the intermediate merchant, the intermediate merchant then pays the bank card of the end user.
It can be seen that a clearing machine is an end-user bank card directly docked with the bank, and the funds are very safe; while the funds of the second cleaning machine are transferred by the middle merchants, the security is relatively low. When a large amount is involved, it is difficult to say that the intermediary will not Will be listed on the financial news headlines because of the money.
Therefore, as long as a mobile phone POS is a clearing machine for a third-party payment license with an acquiring business, or a branding machine that is funded by a payment institution in cooperation with a payment institution, it is a secure mobile phone POS machine. In addition, some companies now cooperate with banks to provide channel funds for liquidation, so such mobile phone POS is no problem, because the bank of the payment company is born.
In fact, to put it simply, this mobile phone POS security is not safe. It is not the brand of the mobile phone POS, which company is operating, and whether there is an acquiring license. It is seen that the funds are liquidated to the merchants. As long as the funds are liquidated to the merchants by the three-party company or the bank with the payment license, then it is safe and there is no risk of carrying money.
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