(1) One machine with two accounts: This function can effectively solve the policy that individual account settlement merchants are forbidden to accept credit card transactions. That is, when a merchant applies to become an industrial general collection account, he can open two settlement accounts, one for the company and the other for the individual. When a merchant has a credit card acquiring transaction, the transaction funds are transferred to the enterprise account, and when a savings card acquiring transaction occurs, the transaction funds are transferred to the personal account.
(2) Multi-level clearing function: secondary clearing from the same merchant to private. The merchant's credit card transaction funds will be deposited into the enterprise account in the early morning of the next day and cleared to the personal account in the early morning of the next day.
(3) Inter-bank transfer function: the transferred funds arrive in real time.
The same is the procedure fee. It is recommended to choose a bank with close outlets to facilitate business handling.
At present, the domestic UnionPay POS card processing fee is uniformly stipulated in the "Measures for the Income Distribution of Bank Card Interbank Transactions of China UnionPay Network Access Institutions".
Among them, the handling fee for consuming POS is roughly as follows:
1. The discount rate for general ticket sales, refueling and large supermarkets is 0.38% of the consumption amount.
2. The general discount rate is 0.78% of the consumption of POS cards in pharmacies, small supermarkets, wholesale departments, specialty stores and clinics.
3. The discount rate of hotels, restaurants, entertainment, jewelry and handicraft shops is generally 65438+ 0.25% of the consumption amount.
4. Merchants selling real estate and automobiles generally charge a fixed handling fee, which is deducted according to the number of POS consumption credit cards, or 1.25%-80 yuan capping handling fee.
5. The ex-factory discount rate of large-scale wholesale, first-class agent and production and processing enterprises is 0.78%-26 yuan will charge a capping fee.