What's the matter with bank cards to pay for consumption without cards?

Card-free payment is a way to complete internet payment without opening online banking by using payment verification elements, such as SMS verification code, password and card number, combined with UnionPay security certification.

If the cardholder does not spend by himself, but does not pay by credit card, it is likely that the user information is leaked and gives others an opportunity. In this case, the user should first report the loss of the bank card, then confirm the running water, and then use judicial means to retrieve the lost property.

1. Main modes of card-free payment products:

1. Merchants or individuals complete offline near-field payment through third-party payment companies, such as WeChat and Alipay, based on their own APP payment services, by scanning the main gun or displaying the QR code of the merchants. Focus on universal service is more popular! Some merchants enjoy the commission rebate policy.

2. Aggregated cardless payment products based on WeChat official account as the background of merchant management are subdivided into media and non-media categories.

A material display board with two-dimensional code (plastic brand with two-dimensional code printed on it), which makes near-field payment offline, focuses on developing products of small and micro businesses by distributing two-dimensional code display boards to merchants. To provide T+0 seconds to the service as the core, the rate is about 0.5%!

A method for online and offline collection by displaying two-dimensional code pictures on a mobile phone. Develop members through three-level fission and other marketing methods, focusing on the development of online WeChat business products. To provide T+0 seconds to the service as the core, the rate is about 0.5%!

3. Cardless payment products based on their own APP as payment and collection management software are more extensible than public service products, and aggregate various online payment methods and various marketing and merchant service functions, such as various value-added services added at any time such as e-commerce platforms, which are more universal and need to dig out accurate user portraits. Focus on individual users, provide T+0 seconds to the service, the rate is about 0.5%!

4. Card-free payment products based on intelligent POS terminals aggregate various online payment methods and near-field payment products with merchant service and management functions. The core points are urban business districts, e-commerce platforms and O2O industry solutions, with the focus on offline service providers. Finally, promote the service platform through large-scale users!