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The day before, the central bank has issued a "Mengliao, barcode payment services specification (Trial)" the provisions since April 1, 2018, will implement the classification quota management of scan code to pay, where the use of static barcode payment, the same customer individual bank account or payment account single day total transaction amount should not exceed 500 yuan.

Mobile payment has been referred to as the "Chinese four great inventions", which in two or three years, completely changed Chinese payment habits, some people even think China over the credit card directly into the two-dimensional code mobile payment. As a result, a basin of cold water poured over the central bank. Dynamic two-dimensional code, as long as there are three elements to collect electronic signature or digital certificate, password and fingerprint, you can independently of the agreed amount, the theory is not the limit; if you have a Alipay or WeChat to pay for the password + fingerprint, every day can be swept 5000 yuan, if only one the limit, only 1000 yuan. The most affected are the small stores that use the printed static two-dimensional code, with a single day limit of 500 yuan. That is to say, after the rice rolls, beef offal, Pan-Fried Baozi Stuffed with Pork and store these static two-dimensional code heavy users is difficult to enjoy the flow of dividends paid scan code. After all, many people don't buy without scavenging, because there is no cash in the wallet. It was hard to do business in the original shop, and it would be harder in the future, and the owners of the small shops were all crying.
The reason for the limitation is that the central bank says that it is for safety. Before the static two-dimensional code is out of question, for example, a small shop has been pasted with other static two-dimensional codes, which has lost hundreds of yuan. Some experts say that in the first half of this year, the average amount of bar code payment of the mainstream Payment institutions is 108 yuan, so the limit of 500 yuan will not bring great influence to consumers. However, in turn, it is the limit of 500 yuan basically can not solve the static two-dimensional code danger! Most of the losses will be lost, but the limit is only 500 yuan per day. A good regulatory measure is to let sweep code payment upgrade security to eliminate such danger. If it is to put risks aside, it is a lazy politics to supervise only if we want to limit losses to a certain limit.
Of course, there are many voices are saying that the central bank probably ulterior motives, the quota formula is all too familiar. In 2014, when the third party payment was strictly limited, the central bank had issued a single transfer account which could not exceed 1000 yuan, and the consumption of a single bill should not exceed 5000 yuan. So, this is just the old trick. The problem is, since it is a way of thinking, whether it is used now or not, why does it come again? The answer may be in the same specification. The new regulation also stipulates that the payment institution should refer to the pricing standard of bank card credit card fees, make a reasonable and scientific pricing, and exclude unfair competitors, such as cross subsidies, below cost, price dumping, and disrupt market order. If the total amount of consumption is determined, the amount of the scavenging payment is limited, then the traditional channel banks and credit card payments are more than one piece.

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Xiamen Daiyuan Ribbons & Printing Co., Ltd.

Xiamen Daiyuan Ribbons & Printing Co., Ltd.
Add:5F BLDG 1# 275-279# Huanzhu Road, Jimei district ,Xiamen city,Fujian,P.R. China
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