How do pos machine card clear one clear or two clear?


When you swiped the card, did you encounter such a situation: when the same POS machine arrives, the bill sometimes shows that the paying party is the name of the payment company, and sometimes it is “Citilian UnionPay”. So, is it as long as it is a POS machine that UnionPay pays for? Is it different from the banker? Does it mean that the POS machine has a secondary settlement?


For these problems, first of all, we must find out the flow of funds after the POS machine has swiped the card: after the cardholder swipe the card, the funds will be unified with the advanced UnionPay reserve account, and then the settlement will be issued to the POS machine from the UnionPay reserve account. Card account.

Now many payment companies will open a reserve fund account in a number of banks. If the payment company operates its own payment, the payment unit is the name of the payment company. If the payment company asks the reserve fund to pay the payment, then the payment unit It is actually the same thing to show the name of the bank or the payment of UnionPay. You can see the picture below:


The first two transactions show the settlement of Haike Rongtong merchants' funds, and the latter two reports show that UnionPay is accounted for (Qilu Bank Qingdao Branch), which means that the first two pens are directly operated by the payment company, and the last two pens are paid by the company. The bank is paying the money.

As for some people, it seems that it is not clear to show the POS machine that UnionPay pays. It is not accurate, because Erqing Company can also open an account at the bank, and then transfer the money to the pos owner through this account.

To distinguish between clearing and clearing, you only need to see if there is a central bank license. As long as there is a license, the payment company's fund account is regulated, and the pos owner can guarantee the security of the funds.

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