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With the rapid development of modern technology, convenient and fast mobile payment came into being, and the rise of third-party payment platforms such as WeChat and Alipay can be said to have greatly accelerated the speed of the mainland into the "cashless" era.
I have to say that after mobile payment, everyone's life is more and more convenient, and even due to the rise of mobile payment, it has indirectly eliminated the "pickpocket" such a historical traditional industry.
Thanks to the huge user pool of WeChat and Alipay, to date, not only personal payments, but also weChat and Alipay collections are used by many merchants and hawkers.
But just recently, weChat, Alipay new regulations have come, from March 1, personal collection code will be disabled, so what should small traders do?
New rules for WeChat and Alipay
According to the notice issued by the central bank, QR code payment will be included in financial supervision, and third-party payment platforms such as WeChat and Alipay will implement new regulations from March 1, prohibiting the use of personal collection codes of WeChat and Alipay for business collection.
What does this mean? Specifically, as long as there are business activities, such as supermarkets, commissaries, and even mobile vendors, then you cannot use the personal collection codes of WeChat and Alipay to collect money.
Of course, the personal collection code can still be used normally as before, but the remote collection function is limited, and you and your friends can still carry out normal transfers, send red envelopes and other behaviors.
See here some people said, since the personal collection code is not disabled, then I am not the same thing, continue to use the personal collection code for business collection will be what?
The answer is very simple, a certain "micro-business godfather" who was recently fined bankruptcy is a lesson from the past!
What should petty traders do?
First of all, we must be clear that the relevant departments must have made such a decision after careful consideration, and its purpose is not to embarrass everyone.
We know that many mobile fruit stalls, snack stalls, barbecue stalls, they are all people with obvious business characteristics, they generally use WeChat, Alipay personal collection codes to collect.
But now, as soon as the new rules come out on March 1, what should they do? How do they upgrade their personal collection code to a merchant collection code?
First, the merchants in need can upgrade independently, the upgrade method is also very convenient, directly click on the two-dimensional code to collect, follow the prompts to operate (for example: WeChat click on the small ledger of collection, and then click on supplementary business information, open the merchant service can be; Alipay click on the personal collection, and then click on the merchant service can be);
Second, WeChat, Alipay and other platforms will set a transition period, if you meet the upgrade standards, then WeChat Assistant will take the initiative to notify you to upgrade, if you do not receive the notification, then you can continue to use normally;
Third, after the static remote collection function of the personal collection code is limited, you can no longer collect money by printing a static two-dimensional collection code, if you have the need to scan the code to collect, then you can apply for a special merchant collection code.
Therefore, for most ordinary consumers, there is not much change, and even many mobile vendors with smaller transaction scales may not meet the upgraded standards.
In short, everyone does not have to be nervous, everything is subject to the receipt of the notification, if not received, it is the same as before, how to use it.
Write at the end
Again, the new regulations of WeChat and Alipay are not to turn back the history, let alone let everyone return to the era of cash!
In fact, there is another new regulation that was also implemented on March 1, that is, if an individual deposits and withdraws 50,000 yuan or more in cash at the bank, then it is necessary to register the source of funds and the use of funds.
It can be seen that the new regulations prohibiting personal collection codes from being used for business collections on WeChat and Alipay are not to return everyone to the cash era, but to combine online and offline to maximize the crackdown on a series of illegal acts such as "money laundering", "fraud", "tax evasion and tax evasion".
There are still 10 days to go before the implementation of the new regulations, if there are merchants who want to upgrade the collection code in advance, they must seize the time!