The biggest difference lies in the fact that the public pos machine is bound to the bank account, and the private pos machine can be directly bound to the personal account.
One, the application conditions are different
1, the public account can apply for Lacala traditional pos Quality merchants: generally belong to the large and medium-sized merchants, the monthly amount of credit card requirements can not be less than 35,000 yuan, or will be charged 50 yuan / month of service fees.
Five certificates (copies): business license, tax registration certificate, corporate identity card, organization code certificate, account opening license.?
Can apply for Lakala Cash Register General merchants: business license, tax registration certificate, corporate identity card, account opening license .
2, for individual accounts can only apply for Lakala cash cow treasure three certificates (copy) Individual category: business license, legal person ID card, legal person bank card Company category: business license, tax registration certificate, legal person ID card, legal person bank card .
Two, the two account application fees are different The public account in the form of a deposit for the private account to 1680 yuan fee for the different models of fees are also different.
The public account withdrawal is more troublesome, the public account can only be transferred to the public, can not be transferred to the private, and the public account withdrawal to fill in the cash check and withdrawal purposes, the amount is slightly large but also to make an appointment in advance.
As a self-employed person, it is very troublesome to apply for a bank account, which is usually not opened, so it creates a great deal of trouble and inconvenience for the self-employed to apply for a POS machine.
In addition to this, there is an account management fee of $500 to $2,000 per year for a bank account, and an annual fee of about $1,000 per year for a public POS machine after opening a public account, as well as other service and maintenance fees.
In terms of procedures, the opening of the public account must be applied to the bank to provide a complete copy of the original and duplicate business license, the original and duplicate tax registration certificate (national tax, local tax), the original and duplicate certificate of organization code and ic card, the three online chapter (legal person chapter, official seal, financial chapter) these are all complete in the case of merchants may apply for a public account to the bank.
And the public account must be bound to the tax account, once the merchant in the business process of tax evasion, tax evasion suspicion will affect the public account and the public pos machine, pos machine may stop the settlement, or even freeze the funds.
Expanded Information:
POS Fee Adjustment
According to the notice of the NDRC , starting from June 9, 2016, bank card swipe fees will officially begin to be adjusted. The handling fee for the food and beverage category, which originally had the highest rate, has been lowered from 2% to 1.25%.
According to the adjusted program, the overall reduction of the card swipe fee rate is between 53% and 63%.
According to the new standard, starting June 9, 2016, the rate for the food and beverage category has been reduced to 0.6 percent from the original 1.25 percent.
Card processing fees for department stores were cut from 0.78 percent to 0.6 percent, while supermarkets dropped from 0.5 percent to 0.38 percent.
The public goods category remains at 0 percent.
Property and automobile were originally $10 per transaction, while today they are capped at an uncapped, single rate upward, with reference to the dining and entertainment category.
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