From March onwards, the personal collection codes of WeChat and Alipay cannot be used to collect customers' money? The data of the past four years will be traced, and the amount of money will be reimbursed at 4.5%, and late fees and fines will be paid.
Fortunately, weChat and Alipay have made official responses, which is a rumor! It's a rumor!
Since this period of time, the news and rumors about personal collection codes have really been a wave of non-stop, a wave of rises. For ordinary people, it may not have much impact, everyone usually transfers money directly, and not many people use the collection code to collect money. The hundreds of pieces that Guozi lost by playing mahjong in the New Year were also transferred directly in the group. But for the small vendors who do business and sell some fruits and vegetables or peanuts and baked sweet potatoes, it's a big deal about livelihood. The policy changes of the collection code will directly affect their business model and income.
Fortunately, Guozi learned that this matter finally had a stage conclusion today.
Personal collection code works fine! Last night, the official website of the China Payment and Clearing Association issued an announcement on optimizing bar code payment services. To put it simply, it will add a "personal operation collection code" in the future, and the service and experience will remain unchanged, and it will still be free to open. The existing "Personal Collection Code" will not be deactivated, and the function will not change. The association also urged large trading platforms such as WeChat Pay and Alipay to strengthen communication and interpretation of users and avoid misunderstandings.
The "boss" has said so, and the two "little brothers" of WeChat Pay and Alipay naturally do not dare to slacken off. Today, weChat Pay and Alipay have issued corresponding announcements to answer users' doubts about the collection code. WeChat Pay officials have made it clear that after March 1, 2022, the WeChat personal collection code can continue to be used. In addition, WeChat Pay officials will also combine the actual situation of users, invite users to use personal business collection codes, provide free physical collection code brands, and enjoy services such as operating ledgers and business analysis. Alipay officials also said that after March 1, 2022, Alipay personal collection code can continue to be used, and can continue to enjoy existing services such as free withdrawal. In addition, Alipay's existing personal collection code can also be upgraded to "personal operation collection code", the upgrade process is completely free, after the upgrade, the rights and interests such as free money collection and free withdrawal will continue to be enjoyed, and higher rights and interests such as "dare to collect and dare to lose" guarantee amount can be obtained. Alipay will also combine the user's collection characteristics to issue an upgrade invitation to the user's personal collection code.
Under what circumstances should I upgrade? It can be seen that alipay and WeChat pay have both mentioned that they will actively invite users to upgrade in combination with the user's "actual situation" and "collection characteristics". This actually means "obvious business behavior", and this concept comes from the "Notice on Strengthening the Management of Payment Acceptance Terminals and Related Businesses" issued by the central bank in October last year.
The circular stipulates that for individuals with obvious characteristics of business activities, bar code payment and collection service institutions shall provide them with special merchant collection bar codes, and refer to the implementation of relevant management regulations of special merchants, and must not provide them with collection services related to business activities through personal collection bar codes. It is precisely because of this provision that there are so many rumors that "personal collection codes cannot be used".
Regarding the criteria for determining "obvious business conduct", there are no relevant clear provisions at present. The central bank has previously said that the China Payment and Clearing Association is studying and formulating relevant standards, which will be released in the near future. If the fox friends have a small business at home, they have to wait patiently for the relevant standards. But at present, it can be determined that the personal collection code can still be used, and the subsequent personal operation collection code will not have the right to shrink, and everyone can put a hundred hearts!
Respond quickly, netizens like! After the announcement of the China Payment and Clearing Association and the response of Alipay and WeChat Pay, netizens generally applauded this conclusion. Some people believe that the tax classification distinction is clearer and the protection is more in place.
Some people have also taken the initiative to upgrade the personal operation collection code long ago.
Of course, there are also many happy comments, such as sharp-eyed netizens who found that Alipay Official Bo himself did not pay attention to his own Alipay life number.
Some people also took this opportunity to complain about WeChat's high cash withdrawal fees.
If you mention a few hundred and a thousand, it is not enough, there is even a use of WeChat to give a bride price... I'm straight good guy!
According to Guozi's own personal experience, Alipay is indeed much thicker than WeChat in the matter of withdrawal fees. Guozi also tried, the company's large thousands of dollars of reimbursed money automatically transferred to WeChat, in order to save the handling fee had to withdraw a thousand yuan a week of sad urging. Hit the workers, no matter how small the mosquitoes are meat!
As for the state's introduction of standards to regulate personal collection, the fruit is supported by a show of hands. It is the duty of every citizen to be regulated and to pay taxes in accordance with the law. Guozi only hopes that "middlemen" platforms such as Alipay and WeChat can give small merchants more protection and preferential treatment in cash withdrawal fees, so that self-employed households can get more income that should belong to themselves after paying taxes according to law.
So, do fox friends prefer to use Alipay to collect money, or use WeChat to collect money?