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What are the regulations on wechat code scanning payment in 2018

What are the regulations on wechat code scanning payment in 2018

Sihai network: at the moment, mobile payment such as Alipay and WeChat scan code has become people's living habits and become a common payment behavior. But do you know that WeChat and Alipay pay a limited amount of money to pay for the scan code. Let's look at the specific regulations.

Recently, the people's Bank of China issued the notice of the people's Bank of China on printing and distributing the & lt; barcode payment business specification (Trial) (YF [2017] No. 296), and printed and distributed the barcode payment security technical specification (Trial) and the barcode payment acceptance terminal technical specification (trial) (YF [2017] No. 242), which will be implemented from April 1, 2018.

The new regulation has established 'rules' for barcode payment: if static scanning is used for payment, the daily accumulated transaction amount of the same customer's bank or payment institution shall not exceed 500 yuan, and the maximum amount of dynamic scanning payment is not limited. The new regulation will be formally implemented from April 1 this year.

What is static barcode payment?

Our common two-dimensional codes pasted on the wall or printed by roadside stalls, vegetable markets and grocery stores belong to static barcode. When we pay for something, it belongs to dynamic barcode that we show the payment code for the cashier to scan.

According to the central bank, if static barcode is used for payment, the risk prevention ability shall be level D. no matter what transaction verification method is used, the daily accumulated transaction amount of the same customer's bank or payment institution shall not exceed 500 yuan.

For example, when consumers use wechat wallet to scan static barcode for payment, the upper limit of single day payment with zero wallet is no more than 500 yuan. Meanwhile, all bank cards associated with wechat can also independently obtain the upper limit of 500 yuan.

For payment using dynamic barcode (such as barcode generated in real time on mobile phone), risk prevention ability can be divided into three levels according to different transaction verification methods, i.e. a, B and C. The Daily accumulative transaction limit of the same customer is independent agreement, 5000 yuan and 1000 yuan respectively.

At the same time, define the requirements,

Static barcode should be encrypted by background server, and anti-counterfeiting paper should be used to display barcode;

The medium displaying the static barcode shall be placed in the sight range of the cashier of the merchant, and the merchant shall regularly check the medium;

Static bar code shall be protected by physical means such as protective cover to avoid being covered or replaced;

The payee's information is displayed in the prominent position of the static barcode medium, which is convenient for users to check.

Why limit?

In recent years, barcode payment business has developed rapidly and become an important manifestation of the development of mobile payment. However, although barcode payment is convenient for people, there are still many hidden dangers.

Static bar code is easy to be tampered or altered, easy to carry Trojans or viruses, and its risk prevention ability is recognized as level D. At the same time, compared with traditional bank card payment, bar code payment technology and business risk has its particularity. Some market institutions also have problems in business development, such as disturbing the order of fair competition, inadequate prevention of payment risk and so on.

The central bank! Wechat code scanning payment will limit the maximum amount spent per day

What is the impact on consumers? How to spend more than 500 yuan?

Many people will ask whether the new rules will be swept away by WeChat or Alipay, only 500 yuan per day. In fact, this is not the case. After the implementation of the new rules, consumers will not be affected by the small amount payment of static barcode scanning in street vendors.

For example, if you eat a 600 yuan meal in a restaurant, it's difficult to pay by scanning static barcode. At this time, you can let the cashier scan the dynamic barcode generated on the consumer's mobile phone, and it's safer.

Kang Lin, Deputy Secretary General of China payment and clearing Association, said that our daily use of Alipay and WeChat usually use more than two, such as fingerprints and passwords of more than two elements, with a daily limit of 5000 yuan. It will not bring any inconvenience to consumers.

What's the impact on the store?

After the implementation of the new regulations, it may have some impact on small businesses on the streets. For example, for the pancake boss, after earning more than 500 yuan a day, he needs to scan each customer's code separately. If he meets the working people who are in a hurry, it will bring some inconvenience.

In addition, if the daily income is more than 500 yuan, these stores need to prepare their own equipment such as code scanning gun, which may add some pressure to small businesses.

Police remind

1. To use the official channel app scanning software, do not scan unknown QR code;

2. Carefully identify the authenticity, check the information, and confirm that the QR code is safe and effective;

3. Keep a proper vigilance to the common QR code and keep your own payment QR code;

4. It's better to install some regular security software on the mobile phone to increase the security coefficient of the mobile phone, so as to prevent the illegal elements from embedding the virus in the QR code and stealing important personal information of citizens.