Immediately to chop hand section, and open a variety of buy buy buy rhythm, and as a senior otaku, I have been to buy buy buy chop hand section is not very interested, I am more interested in point is, buy buy buy when your money is detained how to go?
Can clearly do understand it, it is not an easy thing, it involves various industries as well as various roles, but when you can do when it's clear, almost paid the company's processes to a third party a bit understood.
Let's look at a simple scene, Xiao Ming go ZARA store to buy a T-shirt, checkout time to put their credit card to the clerk, the clerk after brushing card to thank you for your patronage Little said goodbye, the entire process is completed.
In this scenario, most people think that money is withheld to go, such as Xiao Ming this T-shirt $ 100, after brushing card grew out of the bank card account deduction -100 million, to tenants of money above +100, process End.
This argument is not entirely wrong, most industry insiders is called for in terms of not professional . In fact, the merchant receives the funds are not 100 yuan, 97 yuan may be, and not necessarily immediately credited into account, but also a cycle.
Let me talk about why, because this action is a third-party credit card deducting money to do, since a third party to do it, then the third party will certainly be able to make money, the business community is not Lei Feng, so called middle deduct the cost of procedures fee.
Many of my friends are not in the line often ask such a sentence, since when the credit card business will lose a portion of the fee, so why should the merchant to accept credit card payments it, can not directly receive cash more money.
There are some really small shop so dry, and does not want to let brokers earn the difference.
But for larger companies are less line, because people are accustomed to using a credit card payment, if the mall in your home does not support credit card, customers may not buy, the loss of a deal and pay a little fee does not contrast too when the value.
In addition most of the enterprises are chain stores institutions, credit card can avoid some problems, such as cashiers do not receive professional results in counterfeit money, or low-level events give change error occurs, companies can easily monitor the transaction data store.
Since most businesses is earning a third party can not avoid being the difference, then the third party in the end what are the mechanisms? Under normal circumstances, were to participate in "spoils" are three: the bank (card issuer), CUP (acquiring organization), clearing organizations (licensed third-party payment companies).
Now that the three institutions should go with "spoils", affirmed the need for a "spoils" of the provisions of it, which involves the payment industry in the most famous documents, the People's Bank 126 text .
In early 2004, the People's Bank issued 126 documents, "China UnionPay bank card network agency interbank trading income allocation approach," clearly the issuing bank, profit-ratio acquirers and clearing organizations "7: 2: 1"
What card-issuing banks?
The issuing bank means you do in which bank cards, such as industry and commerce, agriculture banks. Since you'll be deducting money in our bank card, it must be turned over to give us a fee, but also the largest proportion, 70% of the fee to give me, which is why it should account for the bulk of the reason.
Acquirer What the hell is it?
The acquirer is a financial institution together a bunch of organizations created, which contains the major banks, that is, we often say that the mouth of the CUP .
In earlier years, when not associated with each other between the various banking systems, an enterprise must think interbank charge while docked multiple bank big Boss, this low trading is certainly to be eliminated.
So a few big brothers sit together financial institutions began to discuss, not to die so we need to break the information silos, and everyone with the money earned. So CUP to set up, we have developed a large docking system all banks the same time offer transaction interface.
For many small businesses this great significance, as long as the CUP docking systems can be deducted bank card issued by any bank, so the CUP so vigorously developed.
Since we all need to be charged through the CUP, CUP also need to feed a large family of employees, but also of course fee collection points, which is 721 2, CUP debit fee per pass, which the CUP have to charge off 20%.
What clearing organization is it?
清算组织就是上图中的第三个角色，有牌照的第三方支付公司。
也是里面最苦逼的角色，商户用的刷卡机器、以及安排大量的销售人员给商户推销 Pos 机，执行落地的各种苦活脏活，结果只挣这其中的 10%。
谁让前面这两个机构都是国有企业的大爷呢，其实只挣 10% 的这些支付公司才是真正市场化竞争的，所以这些年第三方支付公司杀得你死我活的，只有1、2家真正的走上上市。
再来说说为什么商户不能马上就收到付款？
凡是涉及到金钱的交易，一般都是谨慎再谨慎，因此有很多流程机制来确保资金的扣减不会出错，比如网络超时、系统突然异常这种情况。在所有的保障机制中有几个环节稍微费点时间，清算、结算、对账、出款等。
清算是刷卡一笔完成后，计算给各方多少钱，结算就是把清算计算出来的钱合成给各方的打款批次，在对账完成之后根据结算的打款批次进行出款，清算和结算的时间一般不会太久，主要耗费的时间在对账。
这里面涉及了三个系统之间的对账，支付公司、银联、银行。
对账是反过来的，一般需要最里层的银行对账完毕后把对账单给银联，银联对账完成之后再把对账单给支付机构，支付机构对账完成之后才会给商户打款，给代理商进行分润。
通常对账的周期是1天，也就是说今天刷的卡需要明天才能知道到底扣成功了没有，这也是很多交易不确认的时候，要通知客户明天再看看结果的原因。
现在很多支付机构为了抢占市场，推出了秒到的这种商业模式，也就是说商户支付完成之后，支付机构先垫付一部分资金直接打给商户，这样操作商户肯定喜欢，但是有一定的交易风险。
以上给大家讲述了两块内容，一是你的资金是如何被扣掉的，二是商户的资金为什么不能实时到账。其实一家第三方支付公司，对于资金的处理远远不止这些逻辑，还涉及到很多的流程、机制。
大家如果感兴趣可以通过留言告诉我，再找时间和大家聊聊第三方支付哪些事儿。