The reporter learned from the China Payment and Clearing Association on February 22 that in order to provide more accurate and convenient payment services, a new "personal operation collection code" will be set up, and users can freely choose to use it. The current "Personal Collection Code" is not closed, does not stop, and the function remains unchanged.
In order to implement the requirements of the Notice of Chinese Min min bank on strengthening the management of payment acceptance terminals and related businesses, the China Payment and Clearing Association organized member units to conduct a careful study on further optimizing bar code payment services. The Payment Association issued an announcement on the same day that users use the "personal operation collection code", the service is not reduced, the experience remains unchanged, the code assignment process is free, and they can enjoy more efficient transaction reconciliation and other services.
On the same day, WeChat Pay issued an announcement that after March 1, 2022, the personal collection code can continue to be used. Alipay also said that after March 1, 2022, Alipay's personal collection code can continue to be used, and it can continue to enjoy a series of existing services, including free withdrawals.
The payment association said that it respects the user's right to know and the right to choose, and the member unit should open up channels, strengthen communication and interpretation of users, and avoid criminals taking advantage of the opportunity to defraud. In the next step, the payment association will guide member units to continue to improve the collection code service function, enhance the security of bar code payment, better meet the diversified payment needs of users, safeguard the legitimate rights and interests of users, and create a good market environment.
sound
Alipay
The payout code upgrade process is free
Regarding the personal operation of the collection code, Alipay said that it will combine the user's collection characteristics, issue a personal collection code upgrade invitation to the user, and provide personal payment code upgrade service under the premise of respecting the user's choice, and the upgrade process is completely free. After the upgrade, the user's original rights and interests such as free money collection and free withdrawal will continue to be enjoyed, and will also enjoy higher rights and interests such as the guarantee amount of "dare to collect and dare to lose".
WeChat Pay
Users can receive the item code plate for free
WeChat Pay said that after March 1, combined with the user's collection situation, it will successively issue invitations through WeChat collection assistant message notification and other means, and provide personal operation collection codes when users voluntarily, users can receive material code plates for free, and can also enjoy more rights and services such as operating ledgers and business analysis. For users who wish to apply, the "Collection Small Ledger" homepage will gradually open the application portal.
unscramble
What is the impact of the personal business collection code on you and me? The authoritative interpretation is coming!
On February 22, the China Payment and Clearing Association, WeChat Pay, and Alipay respectively issued announcements proposing a series of measures to optimize bar code payment, among which the newly established "personal operation collection code" has attracted widespread attention. Can I still use the personal payment code? Who can use the Personal Business Collection Code? Will user costs increase? The reporter exclusively interviewed the relevant person in charge of the China Payment and Clearing Association on the 22nd and made an authoritative interpretation of the hot issues.
Can I continue to use the current personal collection code?
The current "Personal Collection Code" is not closed, does not stop, and the function remains unchanged
Order pancake fruits at the early stall, scan the QR code to pay the two-dimensional code of the stall owner's plastic seal; buy vegetables in the vegetable market, scan the "code card" to pay; find the favorite object in the night market, scan the QR code to pay through the QR code printed by the vendor...
What will happen to these familiar payment experiences for consumers from March 1? Can QR code collection meet payment needs? The announcement of the China Clearing Association mentioned that the current "personal collection code" is not closed, does not stop, and the function remains unchanged.
Who can use the Personal Business Collection Code?
It is used for individuals who have not registered for industry and commerce but have obvious business characteristics
The difference is that from March 1, in the background of payment institutions, some merchants will switch from the previous personal collection code to the personal business collection code or the merchant collection code.
In October last year, the People's Bank of China issued the Notice of the People's Bank of Chinese china on Strengthening the Management of Payment Acceptance Terminals and Related Businesses, which put forward a series of management requirements for payment of receipt barcodes, which will be implemented from March 1 this year. According to the relevant requirements, users who "have obvious characteristics of business activities" apply to be converted to commercial collection codes through collection service institutions (such as WeChat, Alipay, etc.).
In accordance with the relevant regulations of the People's Bank of China, the Payment Association has put forward industry self-discipline suggestions, set up a special "personal operation collection code", and WeChat Pay and Alipay will provide personal collection code upgrade invitation services from March 1.
The reporter learned from an authoritative source that the "personal operation collection code" can be used for individuals who have not registered for industry and commerce, but have obvious business characteristics, so as to obtain better payment services more accurately and conveniently.
What are the benefits of using a personal business payout code?
You can obtain value-added services and better realize transaction risk prevention and control
What are the benefits of using a personal business payout code? The relevant person in charge of the payment association told reporters that on the one hand, the personal operation collection code can accept credit card payment, and can also obtain value-added services such as account management, transaction reconciliation, and specific marketing. On the other hand, the personal operation collection code can also better realize the prevention and control of transaction risks and more effectively protect the safety of user funds.
Alipay announced that after the upgrade, users' original rights and interests such as free money collection and free withdrawal will continue to be enjoyed, and they will also enjoy higher rights and interests such as "dare to collect and dare to lose" protection quota. WeChat Pay said that it can provide services such as operating ledgers and business analysis.
Do I have to set up a personal business collection code?
Whether to set up a new personal business collection code, you have the final say
As March approaches, many stall owners and vendors are particularly concerned about whether they need to transcode. The payment association announcement clearly states that users can freely choose to use the newly created personal business collection code.
In other words, whether the user has set up a new personal operation collection code is up to him. The relevant person in charge of the payment association said that users with obvious business activity characteristics are encouraged and guided to use personal operation collection codes, but it is by no means mandatory "one-size-fits-all", and the vast majority of users are not affected, especially the township residents who sporadically sell their own seasonal agricultural and sideline products or their own handmade small commodities, urban street vendors and other users are basically unaffected.
The announcement of WeChat Pay said that after March 1, combined with the user's collection situation, invitations will be issued successively through WeChat collection assistant message notification and other means, and personal business collection codes will be provided if the user voluntarily. Alipay also said that it will issue a personal collection code upgrade invitation to users in combination with the user's collection characteristics.
If you do not want to apply for a personal business collection code, the existing personal collection code is not unusable. WeChat Pay and Alipay also said that after March 1, regardless of whether it is upgraded, personal collection codes can continue to be used.
Does using a personal business collection code increase the cost of vendors?
The service is not reduced, the experience remains unchanged, and the coding process is free
After the notice was issued in October last year, the relevant people of the People's Bank of China clearly proposed to formulate supporting service solutions to ensure that service costs do not rise and service quality does not decrease.
The announcement of the payment association proposes that the service is not reduced, the experience remains unchanged, and the coding process is free. In this regard, Alipay said that the upgrade process is completely free; WeChat Pay proposes that users can receive material code plates for free.
According to the relevant person in charge of the payment association, fully considering the actual situation of customers such as mobile vendors, for small and micro merchants and individual operators who apply for personal business collection codes, in accordance with the principle of "low is not high", refer to the standard charges of personal collection codes to reduce the financial costs of merchants.
Some people are worried that the procedures for applying for a personal business collection code are cumbersome. According to the relevant person in charge of the payment association, the payment institution will streamline the submitted materials in accordance with the principle of minimum and necessity, and submit them mainly through online means. Some individual merchants only need to provide personal information, store avatars or booth photos.
How will the adjustments affect consumers?
The experience is the same as the status quo, and the payment is hassle-free
"No matter which of the merchants use the personal collection code, the personal operation collection code, or the merchant collection code, consumers pay through the collection code provided by the merchant, the experience is the same as the status quo, and the payment is barrier-free." Industry experts said.
If the merchant uses the "personal collection code" to collect money, the consumer can only use the debit card or payment account balance to pay, not the credit card, etc. If the merchant uses the "personal operation collection code" or "merchant collection code" to collect the payment, the consumer can also use the credit card to pay, and once a dispute occurs, it is more convenient and accurate to present evidence and protect their rights and interests.
Many parties also prompted that more details about personal collection codes and personal business collection codes can consult official customer service, if there are relevant personnel to promote, please beware of fraud.
What is the significance of managing the collection code?
Guarding the "money bags" of the people
At present, the hidden risks of personal collection codes cannot be ignored. The introduction of relevant requirements is precisely to strengthen industry management, plug loopholes, cut off illegal chains, and better protect the safety of individual merchants' funds.
The central bank previously proposed that for personal dynamic collection barcodes saved through screenshots, downloads, etc., it should be clear that reference should be made to the implementation of personal static collection barcodes related to transaction limits and prohibitions on remote non-face-to-face collection.
Some people are worried that some reasonable remote collection needs will be affected, such as teachers using personal collection codes in parent groups to collect fees. The relevant person in charge of the payment association said that Alipay and WeChat Pay can implement whitelist management for users with legitimate and reasonable needs, and support remote collection functions.
Recently, some users have reported that some people have carried out fraud under the banners of "personal collection code upgrade" and "replacement code card". The announcement of the Payment Association reminds member units to smooth the channels, strengthen communication and explanation with users, and avoid criminals taking advantage of the opportunity to defraud. Alipay and WeChat Pay also remind users that if there are relevant people to promote, please beware of fraud.
According to the head of the relevant department of the central bank, the new regulations are intended to strengthen supervision and ensure the safety of individual merchants' funds. Previously, some institutions used personal collection bar code transfer business to handle a large number of production and operation and daily consumption transactions, which not only confused the nature of the transaction, led to distortion of transaction information, affected the effect of risk monitoring, and was not conducive to the use of payment services to empower value-added business activities.
There are also criminals who use the "running sub-platform" to attract a large number of people to use personal static collection bar codes and gamblers to transfer gambling funds remotely online with "point-to-point" online, and hide the gambling funds in many normal trading scenarios, disrupting the normal order of the bar code payment business and affecting the effectiveness of the "capital chain" traceability mechanism involved in gambling.
Debunking rumors
WeChat Alipay personal collection code to make up taxes? Rumors!
Recently, an online message said, "From March 1, 2022, WeChat, Alipay personal collection codes must not be used for operational collections!" Once the amount is large, it must be taxed at 45%, and there are late fees and fines, and the data of the past 4 years must be traced. After the end of the month, the company's personal WeChat and Alipay will no longer receive payments. In response, WeChat and Alipay responded that the above statements were rumors.
"Tracking down the data of the past 4 years" is a rumor
Recent rumors may stem from an open letter from weishang Gong Wenxiang, who calls himself the "godfather of micro-business", and he explained within his community that the reason for dissolving the community "electrocution" and withdrawing from the micro-business industry is that he was audited. Gong Wenxiang said in an open letter that after paying for his new community, "we must pay public accounts." "Whether you have received payments from WeChat in the past 4 years or now, being detected by big data must be based on 45% of the total amount of your WeChat collections in the future." Subsequently, netizens spread the information that "the personal collection code will be traced for nearly 4 years, and once the amount is large, it will be taxed at 45%, and late fees and fines will be paid".
WeChat Pay said that according to the communication between Tenpay (that is, the main company of WeChat Pay) and the regulatory authorities and the understanding of the new regulations, after March 1, the personal collection QR code can still be used, and some users with obvious business behavior need to upgrade to the business collection code in accordance with the regulations, and the platform will retain a period of time as a transition period before the user upgrade.
The above-mentioned person in charge also said that the regulatory authorities will publish standards for obvious business behavior in the near future. If it meets the upgrade criteria, weChat Collection Assistant will issue a message notification, and users who do not receive the notification will not be affected.
Rumors about the use of new rules for personal collection codes have been on the hot search
Rumors about the use of new rules for personal collection codes are not the first. At the end of November last year, it was also reported that "WeChat and Alipay collection codes cannot be used for business collections." This news also once rushed to the Weibo hot search.
In October 2021, the People's Bank of China issued the Notice of the People's Bank of Chinese China on Strengthening the Management of Payment Acceptance Terminals and Related Businesses (hereinafter referred to as the "Notice"), which put forward a series of management requirements for the payment of receipt barcodes.
It should be noted that after the implementation of the new regulations on March 1, the consumer payment experience will not be affected, but some merchants need to transcode. At that time, the head of the relevant department of the Chinese Minmin Bank came forward to explain that merchants who used "code cards" or printed encapsulated two-dimensional codes needed to apply to collection service agencies (such as WeChat, Alipay, etc.) to convert to commercial collection codes, but consumers' daily payment experience and feelings would not be affected. The person in charge pointed out that if consumers are accustomed to paying with mobile phones when buying pancake fruits at the early stall, they can still pay by scanning the code and other ways, without any change. If the vendor who sells vegetables has already used the operating collection code to collect money, it will not be affected in any way.
Case
The QR code of the store was replaced and the money was punched into someone else's account
On January 26, 2021, men Zheng and Wen printed 1500 two-dimensional codes for collection, and went to the Dongguan vegetable market in the early morning to replace the two-dimensional codes of vendors, and posted more than 100 copies in 2 hours. The "after bed" income of 2 people a night exceeded 3,000 yuan, and after the stall owner called the police, the police arrested 2 people on the same day.
In April 2021, In Xi'an, Shaanxi, several lottery shops were recruited! The Alipay collection code of the lottery store was quietly pasted by the same man with other two-dimensional codes, and the customer's payment was entered into the person's account.
Mr. Chen runs a lottery shop in Duanlumen, Xi'an City, and in the early morning of April 16, a customer bought a 160 yuan lottery ticket, "The customer swept Alipay to pay at that time, and after scanning it, he showed it to me, and I confirmed that it was 160 yuan that was paid." Until he left, the payment voice prompt in the store did not ring. Feeling strange, I checked the mobile phone collection record, WeChat and Alipay checked, and indeed did not receive money. He discovered that the recipient was not himself, but a man named "Legendary Man."
Mr. Li, the owner of another lottery shop in Xi'an, said on the evening of April 16, "a man dressed in black came to the store and pasted his collection code on our collection code while buying lottery tickets." The QR code was replaced, and the money was swept into an account called "Legend."
Coordinator: Yi Fuhong Fang Jun Written by: Nandu reporter Xiong Runmiao
Source: Xinhua News Agency, Guangming Daily, Nanfang Daily
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