On March 1, the latest "personal business receipt code" attracted widespread attention from the outside world.

The reporter visited the market for several days and learned that many small and medium-sized merchants are still waiting to see the transfer of personal collection codes to personal collection business codes.

Some merchants told reporters that in the past two or three months, they have received suggestions for "transcoding" from some bank sales from time to time.

It is understood that in order to attract small and medium-sized merchants to apply for new personal business collection codes, the bank has introduced relevant preferential policies.

　　As for WeChat payment and Alipay, the platform customer service said that after March 1, the personal collection code can continue to be used.

Some merchants who use the personal payment codes of the above two platforms said that they have not received an upgrade notice yet.

　　Text/Wen Jing and Wang Chuhan, all media reporters of Guangzhou Daily

　　Auntie Wang, who opened a canteen in Dongguan, told reporters that she had received notices from many banks since a few years ago, requesting to update her personal collection code.

After comparing several banks, she chose one of them.

"The bank said that it would waive the handling fee for half a year, and then charge 0.2% of the handling fee. I just submitted the information to open an account last week, but the new personal business receipt code has not been received." Aunt Wang said that many colleagues temporarily There is no transcoding. At present, it is mainly the banks that are vigorously promoting this business.

　　The process of assigning code for personal business collection code is free

　　Some merchants told reporters that they have not yet received notices from WeChat Pay and Alipay regarding the upgrade of personal business collection codes.

"I don't plan to upgrade for the time being, anyway, the personal collection code can continue to be used." said Xiaoou, an individual merchant.

　　The reporter learned from the staff of a bank who promoted the business that the promotion of the business (upgraded to a personal business collection code) is not ideal, and there are fewer people handling it.

　　The WeChat payment announcement stated that after March 1, 2022, in combination with the user's collection situation, invitations will be issued through WeChat collection assistant message notification and other methods, and the user will provide a personal business collection code if the user voluntarily receives it.

　　Regarding the upgrade of personal collection codes, Alipay customer service said that the upgrade portal is expected to be launched on March 1, and you can pay attention to the Alipay merchant service page.

　　According to the China Payment and Clearing Association's announcement on February 22, a new "personal business collection code" has been set up, which users can freely choose to use.

Users use the "personal business collection code", the service is not reduced, the experience is unchanged, the code assignment process is free, and they can enjoy more efficient transaction reconciliation and other services.

The current "personal payment code" will not be closed or disabled, and its functions will remain unchanged.

　　The collection fee rate of personal business collection code is lower than that of merchant collection code

　　"We are using the merchant collection code now, and the collection rate of the personal business code is lower. Recently, we are considering whether to replace it with a personal business collection code." Ms. Su, a staff member of a business in Tianhe District, Guangzhou, told reporters that at present The merchant's collection code in use in the store has a collection fee rate of 0.55%. If it is converted into a personal business collection code, the collection fee rate is about 0.3%, "equivalent to an income of 200,000 yuan, Originally, a handling fee of about 1,000 yuan would be charged, but if it is replaced by a personal business receipt code, it can save 500 yuan!" Ms. Su said.

　　A staff member of a branch of the Agricultural Bank of China in Guangzhou told reporters that the current handling fee rate for the bank's personal business code is 0.25%. Not only do you need to provide business licenses, ID cards, bank cards and other materials, but also the relevant business managers of the bank. Came to the door to take pictures of the shop to confirm.

The reporter investigated and learned that not all banks can handle the business of transferring personal business codes, and the specific situation needs to be communicated with the bank to determine.

　　A staff member of a rural commercial bank in Dongguan told reporters that the bank's personal business collection code is now free for the first half year, and the handling fee is 0.2% after half a year.

Application and installation are free door-to-door.

If you are a self-employed person, you need a business license, legal person ID card, the bank's bank card, official seal and other materials.

　　Expert opinion Strengthening management will promote the healthy development of barcode payment business

　　"Users will have the opportunity to choose freely by using barcode payment. The new 'personal business receipt code' has more powerful functions and users can freely choose to use it; in addition, the original personal receipt code function remains unchanged, and the original user can continue to use it. ” Dong Ximiao, chief researcher of China Merchants Union Finance, said that this move is an optimization of the requirements of the “Notice on Strengthening the Management of Payment Acceptance Terminals and Related Businesses”, fully respecting the user’s right to choose, and minimizing the need to strengthen payment acceptance terminals and barcode payment management. The influence of the coming has given the market and users a "reassuring pill".

　　Dong Ximiao analyzed that in recent years, some criminals have stolen personal information, misappropriated account funds, or used personal collection codes to do some things that are on the edge of the law or even illegal by means of transforming payment acceptance terminals, applying for fake merchants, etc.

While barcode payment is convenient for everyone, there are indeed some loopholes that are easy to be exploited, and it is necessary to strengthen management.