Prohibit salespeople from collecting money.

The central bank recently issued a new notice on the supervision of bar code payment, stipulating that from March 1 day, 2022, it is forbidden for WeChat and Alipay to collect personal static QR codes. Seeing this news, a large number of netizens talked about it. How should the store operate to collect money?

In fact, in recent years, code scanning has become a normal state, and even rural areas use QR codes to collect money, basically realizing zero cash transactions.

For the questions of netizens, the authoritative explanation comes from the speeches of comprehensive economic experts.

1. Can WeChat and Alipay QR codes still be used?

The answer is yes. According to the contents of the central bank's documents, first, collection codes are divided into individuals and enterprises, and the commercialization of collection codes used by enterprises is not prohibited. Second, it is forbidden to use it for remote non-face-to-face acquisition, while offline coders are basically face-to-face and are not prohibited.

Second, static assembly code cannot be used. How does the store collect money?

On this issue, it is clearly stipulated in the central bank document that when merchants need to collect money, they will not use simple static QR codes, but develop professional collection codes to make the funds of shops safer and more secure.

3. How do businesses apply?

The application of merchant payment code is actually very simple. As soon as the news came out, the salesmen of major companies have been dispatched one after another, and the business personnel will come to the door to guide the installation.

4. What is the difference between the payment code after registration and before?

As a merchant's business payment code, the amount of funds is large, and self-employed individuals are not allowed to rent, lend, sell or use it for illegal activities. Your boss should pay special attention.

5. Will the personal collection code be disabled?

After learning about two different payment codes, many netizens will also think, will personal payment codes be disabled? In fact, judging from the contents of this document, there is no mention of prohibiting individuals from using payment codes to carry out mobile payment services. However, in terms of frequency of use, user groups, uses, etc., there may be corresponding adjustment strategies in the future to distinguish whether personal collection codes are illegally used for business.

As for the face-to-face collection by relatives and friends, it will still not be affected. After all, there can be no temporary transaction, and users need to apply for merchant code to complete it, which is extremely unreasonable.

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With the implementation of this notice, this reform will make criminals who get improper benefits disappear completely. Business funds are fully guaranteed, benefiting the country and the people, and maximizing the interests of the people. Why not?

For details, in official website, the central bank issued the Notice of the People's Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Services (Yinfa [2021] No.259).