■ Observer
The announcement of the China Payment and Clearing Association decided to stop disputes, soothed people's emotions in a timely manner, and respected the right of choice for the majority of users.
On the evening of February 22, the China Payment and Clearing Association announced that in order to provide more accurate and convenient payment services, a new "personal business receipt code" will be set up, which users can freely choose to use.
The current "personal payment code" will not be closed or disabled, and its functions will remain unchanged.
This means that after March 1, personal payment codes can still be used.
Not closing, not deactivating, and keeping the same functions, the three "no" statements reassure the majority of small businesses and hawkers; the statement "users can freely choose to use" is equivalent to giving the right to choose between the two payment codes. This is a positive response to the concerns of some users before.
In October last year, the People's Bank of China issued the "Notice of the People's Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Businesses", which made adjustments to barcode payments. Subsequently, the news that "WeChat and Alipay collection codes cannot be used as business collections" quickly rushed to the scene. Hot search.
Despite the central bank's clarification, the relevant provisions still raised concerns among some merchants.
For example, if upgrading from a personal collection code to a personal business collection code will increase the inconvenience, whether it will increase the tax burden, etc.
Improving the tax supervision of relevant business activities is of course the meaning of the title.
But in fact, the previous policy was more aimed at plugging the risk loopholes in barcode payment and ensuring the financial security of the majority of merchants.
For example, some people use personal static collection barcodes to transfer gambling funds online with gamblers "point-to-point", and relevant regulations such as "personal static collection codes are prohibited from being used for remote non-face-to-face collection" are precisely to plug related loopholes.
Of course, policy adjustments based on regulatory chaos or illegal acts such as online gambling, money laundering, and fraud may indeed have an impact on merchants.
In particular, personal collection codes and personal business collection codes involve some professional terms, and some small traders and hawkers who make a living on the street will inevitably be misled by rumors and misjudgment.
The announcement of the China Payment and Clearing Association has played a role in settling disputes and calming people's emotions in a timely manner.
With the continuous popularity of mobile payment, the form of scanning code payment has brought convenience to consumers, and also provided convenience to the vast number of small merchants, and the scene of barcode payment is becoming more and more extensive.
For merchants, the personal collection code can be used without special business registration, which is simple, convenient and fast.
Therefore, giving them the right of free choice to meet the diverse payment needs of users is a move that conforms to public opinion and avoids increasing the burden.
According to the announcement, next, the China Payment and Clearing Association will continue to guide relevant payment units, continue to improve the service function of the collection code, and at the same time enhance the security of barcode payment.
This shows that the improvement of the barcode payment business is a constant pursuit of balance—not to increase the burden on merchants, and to continue to reduce criminals’ money laundering, gambling and other illegal and criminal activities by improving fund supervision.
Whether it is a personal collection code or a personal business collection code, in general, the barcode payment business will continue to develop in a more convenient and secure direction.
Of course, only by taking into account the legitimate rights and interests of merchants and consumers, and preventing risks in the field of payment and settlement, can the barcode payment business develop healthily and sustainably.
□Xiong Zhi (media person)