Collection code change

On March 1 day, the Notice of the People's Bank of China on Strengthening the Management of Payment Receiving Terminals and Related Services (hereinafter referred to as the Notice) will be formally implemented. 0030 10 stipulates that for individuals with obvious business activities, bar code payment and collection service agencies shall provide bar codes of special merchants, and refer to the relevant management regulations of special merchants, and shall not provide collection services related to business activities through personal bar codes.

The notice immediately sparked heated discussion. Will the personal collection code be deactivated? Do individuals and merchants need to change the secondary receiving code? What do experts think of this problem?

The customer will scan the code and pay the fee at the time of settlement.

Official: Do not use assembly code to provide upgrade service.

On the evening of February 22, the notice pointed out that a new "personal business receipt code" was set up, and users could freely choose to use it. In addition, the current "personal barcode collection" has not been turned off, and the same function continues to be used.

Seeing this notice, many businesses are relieved. A few hours later, WeChat and Alipay responded immediately.

Wechat: After March 1, the personal receipt code can continue to be used. At the same time, under the condition that the user voluntarily provides the personal business receipt code, the user can receive the material code card for free, and can also enjoy more rights and services such as business account books and business analysis.

Alipay response: After March 1, Alipay's personal receipt code can continue to be used and enjoy a series of existing services including free cash withdrawal. From March 1 day, Alipay's personal payment code can be upgraded to "personal business payment code", and the upgrade process is completely free.

Postal savings bank's "postal remittance" receipt code.

Merchants: Understand the contents of the new regulations and take a wait-and-see attitude.

In other words, individual merchants now not only have WeChat and Alipay "personal business acquiring codes" and "merchant acquiring codes", but also can choose commercial acquiring codes launched by many banks.

"If WeChat Alipay can still be used, we will use it. After all, we are used to it. " Ms. Zhang, a fruit vendor in Cangzhou, said that they would be consistent with most vendors around, and the most important thing was how to make it convenient.

Ms. Liu and her lover in Yuhua District of Shijiazhuang run a small convenience store. Nearby businesses are dense, and the daily passenger flow can reach 200 people. A few days ago, she was still discussing with her lover the receipt code of which bank to run.

"The Postal Savings Bank near noon today called us and said that the money paid by customers can be directly credited to the bank card, so we will do it." Ms. Liu said.

"The product of our Postal Savings Bank's collection code is' Postal Savings Payment', which supports WeChat, Alipay, China UnionPay Express and other channels, and the collection is automatically credited to the bound bank account." Luo, product manager of the network finance department of Shijiazhuang Branch of Postal Savings Bank, said that the information needed by customers here is very simple, just need business license, legal representative ID card and postal savings bank debit card.

Scan code payment scenario.

Expert: It can help fund security and cut off cross-border crimes.

The payment acceptance terminal includes reading and collecting payment information and generating payment instructions. Its security and compliance are not only related to the security of users' payment information and funds, but also affect the security of national financial markets to some extent.

ID:jrtt

Related Q&A: Where can I find Alipay receiving code? The specific operation steps are as follows: operating environment: brand model: iPhone 13 system version: iOS 15.3. 1app version: v 10.2.56 First open and log in to Alipay client, and then click Pay/Receive on Alipay homepage. Alipay supports Visa/MasterCard/JCB cards issued by card issuers all over the world (except Washington, USA). You can enjoy shopping by logging in to the corresponding online banking when paying. Alipay card is its own prepaid card issued by Alipay. The funds in the card can be used when all merchants supported by Alipay purchase goods. Temporarily support Tmall Mall and Taobao platform. The face value of Alipay Kaka is:100,200. The card needs to be used within the validity period, which is 36 months. Payment can be postponed after the expiration, and it can be used after the extension. Alipay card is anonymous and does not report the loss. If it is returned, part of the funds paid by Alipay Card will be returned to the account in the card, without cash. Users can complete Alipay payment through "mobile phone recharge card (Unicom Card Charge, Shenzhou Bank Card)". This payment method does not need to use a bank card, but it needs to pay a handling fee to the recharge service provider (non-Alipay), and the standard is 5% of the transaction amount. Alipay users can also go to the surrounding convenience stores, post offices, pharmacies and other Alipay cooperation outlets to complete the payment. You don't need to open online banking, you can solve the payment problem offline and brush cash. Self-service terminals such as "Lacarra" and shopkeepers of air recharge shops can pay by Alipay orders. The cooperative outlets cover 25 large and medium-sized cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and Chengdu, with a total of 654.38+10,000 outlets. 20 17 On May 24th, Alipay announced the launch of the Hong Kong version of its e-wallet, Alipay HK, which officially provided cashless services for Hong Kong residents. After the launch of the Hong Kong version of Alipay, all Hong Kong residents can use Alipay by binding the credit cards of local banks in Hong Kong or recharging the balance, and pay directly in Hong Kong dollars.