- 办理POS机费率是不是越低越好？
- 发布时间：2023-02-27 分类： 问题解答 阅读：2206
近年来，随着我国居民消费水平的不断提升和消费意识的持续增强，POS机行业愈发火热。数据显示，我国POS机行业正以每年15%的速度增长。伴随着POS机行业的持续壮大，“POS机代理结算价”逐渐成为POS机行业热词，那么，对于POS机代理商而言，代理结算价到底是什么意思？对于客户而言，费率低是好还是坏呢？针对以上问题，接下来我们对其一一进行解答。
首先我们要搞清楚POS机的费率，指的是POS机刷卡时产生的手续费，是一种对商品与媒体交易提供数据服务和管理功能，并且进行非现金结算，这是针对终端用户而言的。举个例子，如果一台POS机的刷卡费率是0.6，那么刷一万元的费率是60元。那么POS机代理结算价又是什么意思呢？POS机代理结算价格即是POS机代理商的成本价，这里的费率成本价（结算价）并非机器的提货价，而是POS机代理商分润的结算成本，这是针对代理商而言的，举个例子，如果分润结算的成本价是0.55，那么代理商的结算价就是0.55。结合上述举例说明，如果POS机代理商拿到的结算成本价是0.55%，费率是0.6%，用费率0.6%减去成本价0.55%，这0.05%的差价也就是代理商的利润来源，即是行业内所说的万5，也就是说交易一万块钱，代理商可获得分润5块钱。96费改后，监管规定信用卡刷卡费率为0.6%，相应的结算价也会在此基础上变化，然而部分用户费率出现低于0.60%的现象，那么为什么有人敢放这么低的费率，其中又有什么猫腻呢？通过调查梳理，我们发现，大部分情况是前期给出低费率，后期再上调。近年来，由于支付行业从卖方市场转向了买方市场，竞争加剧，甚至出现了恶性竞争，很多支付公司为了抢占市场，服务商先期通过低于成本的费率、高额的机具补贴，来挖用户挖代理商，一旦市场占有率提高了，交易量上来了，就停止补贴机器款，并且把费率大幅提高，从而达到尽快收回前期的投入亏损，以及尽快产生盈利。费率猛涨的背景下，客户不得不重新办理机器，这样支付公司是赚钱了，但对于持卡人而言，不仅要承担费率上涨带来的损失，还要重复缴纳流量年费。值得注意的是，目前支付公司和银行的结算成本为0.5035%，加上各种运营成本和机器成本，实际成本在0.55%左右。结论：要警惕低费率，要么就是低费率设置陷阱再离谱涨价；要么就是通过低费率骗取机器押金，别无其他的更好的解释。
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