One clear means a settlement, and the POS machine directly handled by the licensed payment company is a clearing machine. After the cardholder swipes the card, the funds enter the UnionPay reserve account, and the account settlement directly to the merchant is clear. Since the reserve fund account is state regulated, there is no financial security risk. Then, can you see the payment unit through the merchant settlement card online banking to determine whether it is clear?
The following is an example of actual operation for everyone to analyze:
Some friends feel very puzzled. Why are there 4 transactions in the same machine on the same machine? The payment unit will be different. Is there a settlement once, and some secondary settlement?
The first two transactions show the settlement of Haike Rongtong merchants' funds, and the latter two shows Qilu Bank Qingdao Branch. What does it mean?
We know that the flow of funds for a settlement is to go directly to the reserve account and then to the merchant. Then this reserve fund account is a state-regulated account, and the account is of course also opened in the bank.
If the payment company operates the money on its own, the payment unit is the name of the payment company. If the payment company pays the deposit at the bank where the payment is made, then the payment unit writes the bank name, which is actually the same thing.
How does the payment company's second-to-service operation work?
The second is usually paid by the bank where the reserve is paid. After the money is paid, the payment is paid directly to the merchant. If the payment is not one day, the general cost of the payment is 0.02%-0.05%, so the second is higher than the cost of T1.
The licensee must be licensed to provide the second-served service.
A licensed company must be licensed to allow the central bank to provide a second-second service.
In the future, if you want to distinguish between a clear or a second clear, you don't have to look at the payment unit. You only need to check if the machine has a license.
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