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What is a code hop?
After the fee is changed, the rate is divided into
A standard class 0.6% of cases: catering, entertainment, hotels, gold jewelry, department stores, luggage, drinking, shoes and hats knitting, etc.
B Relief (Minsheng) 0.38%-0.48% Examples: home appliances, supermarkets, gas stations, airline tickets, newspapers and magazines, etc.
C Public welfare 0 rate Example: public hospitals, public schools, charities
The code hopping means that the payment company changes through the back-end technology, and the class A merchant (0.6%) becomes the B class (0.38%) or even the C class merchant (0 rate) and then sent to the UnionPay system. According to Class A (standard merchants), the fees charged by the issuing bank and UnionPay are charged to the payment company according to the changed merchants. The spread is the “revenue†brought by the company's code hopping.
|| Currently 95% of banks have points for Class A consumer merchants, while B/C merchants have no points!
|| Online scan code and quick payment without real business, no points!
|| UnionPay cloud flash pays real offline merchants, because the low rate is generally B/C merchants!
|| For all card friends, if you have no merchants or no points, you know! (not derating is a card)
What is the difference between the code set and the jump code?
The set code is applied to the real business license merchant MCC code, generally for the traditional big POS machine, the industry you brush is the same as the industry code on the small ticket.
The code hopping is a frequent change in the industry of the consumer merchants. The mobile phone credit card machine and the traditional big pos machine on the market are commonly referred to as “Wanhu Houâ€.
What is a jump merchant?
Jumping merchants means that the card merchants will automatically or select the merchants in various industries according to the time and place.
There are two types of jumping merchants, one is to jump to different merchants in the same industry category, and the other is to jump to different merchants in different industries. Generally speaking, merchants prefer to move different merchants of Class A (standard class). This comparison is in line with the diversified consumption of points in the bank credit card scoring rules. Currently, the member MPOS machine on the market is the first choice for such card-raising card-holders!
What is the difference between a multi-merchant and a self-selected merchant?
Most merchants are suitable for traditional large POS machines. Generally, they can do 5 households, 10 households, 30 households, etc. according to customer requirements. They can also ask which merchants to do in various industries. When you swipe your card, you can choose one of the merchants to spend.
Most of the merchants are suitable for hand-brushing POS machines. At present, the payment companies integrate the reporting merchants in various industries and regions. When the card is swiped, the merchant will select one of the merchants according to the industry/MCC code + region for consumption.
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