But now for the wholesale category is not good to determine, but also some banks to do, some banks do not do. General card processing fees only in the Zhongguancun or a rest of the business store will produce, wow long cake short water spinach Ge hei Gonghua is actually unreasonable, the normal card is not charged to consumers handling fees, they are so that is to let the cash, to facilitate their turnover! (Because of the money to be advanced to the mall account and then returned to the merchant takes a long time)
1, illegal intermediaries, merchants use POS machine cash. Unlawful elements to apply for their own POS machine or to others to rent a POS machine, the cardholder in the POS machine after the card, immediately after the card amount paid to the cardholder, and in accordance with the cash amount of 0.8% to 2% commission charged, minus to the bank to pay the rate of deduction of the card, from which the illegal profit.
2, cloning POS crime. Suspects with false identity cards to apply for credit cards and POS machine, through the card shopping and other means to obtain merchant POS machine credit card ticket, using the above reflected merchant POS machine information, through some kind of technical means will be suspected of bringing their own POS machine within the parameters of the modification of the same as the merchant's information. In this case, the suspect then reverses (or returns) the operation of the last transaction.
3, the use of program time difference fraud. Unlawful elements use the POS machine, UnionPay and the banking system information transfer time difference of a few minutes, cash. Generally conspire with the cardholder, by the cardholder host cash to the bank counter to deposit the account, the suspect in other places at the same time with the funds accumulated good POS machine swipes the money to transfer out. And then the card owner at the bank counter to fill in the wrong account number and other reasons and refused to sign, the money back or deposited into other accounts. The POS card transaction information is usually delayed for a minute or two before it is fed back to the bank from the UnionPay system, so it is generally not easy for the bank to detect.
4, the cashier to use the POS machine for customers to swipe the card settlement opportunity to steal bank card information. In real life, people often go to hotels, shopping malls, supermarkets and other special merchants bank card spending. And a few cashiers use this time, while the cardholder drunk without precautionary awareness or to facilitate the cardholder for the reason that the card will take away from the scene, steal the customer's bank card number and password, and then collude with the lawless elements to create a fake card for withdrawal, consumption.