for your small partners, WeChat Alipay scan code payment has become the norm of life. For many young people nowadays, they do not need to take cash with them now. Mobile payment is fast and economical. But recently, the central bank has issued new regulations. The maximum payment limit for Alipay and WeChat is 500 yuan per day. Follow Xiaobian to get to know it.
Recently, the people's Bank of China issued the notice of the people's Bank of China on printing and distributing (hereinafter referred to as the notice), and printed and distributed the barcode payment security technical specifications (Trial) and barcode payment acceptance terminal technical specifications (Trial), which will be implemented from April 1, 2018.
What is barcode payment?
According to CCTV Finance
Bar code includes our commonly used two-dimensional code. As a fully exposed graphic carrier, it is usually displayed on various media, including printing materials or web interface. It has more advantages than ordinary barcode, such as large data storage, strong error correction ability, more agile response and so on.
The so-called bar code payment refers to the business activities that banks or payment institutions use bar code technology to realize the transfer of monetary funds between payees and payers, including payment scanning and collection scanning.
In China, with the continuous popularity of smart phones in recent years, barcode represented by QR code and smart phones have developed into a new way of carrying and transforming data. After this method is used by banking financial institutions or non banking payment institutions, a new payment mode is explored, which can expand the business from online to offline payment.
Go out for a taxi, take out your mobile phone and scan the QR code on the car, so as to easily pay for the fare; go to the restaurant for dinner, and the QR code on the mobile phone is scanned by the cashier's scanning gun, then immediately pay for the bill and go away & hellip; & hellip; scanning payment means, which has flown into the ordinary people's home.
Barcode payment is convenient for people, but there are many problems
In recent years, with the rapid development of barcode payment business, it shows the advantages of low threshold and convenient use in the field of small amount and convenient payment, and the market share continues to grow, becoming an important manifestation of the development of mobile payment.
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's bar code payment business standard is issued to limit the payment by scanning the bar code
On December 27, the people's Bank of China officially issued such documents as barcode payment business specifications and technical specifications to clarify that payment institutions must be licensed to provide barcode payment services. At the same time, according to different risk prevention capabilities, they will carry out limit management for barcode scanning payment.
Wechat wallet scanning static bar code daily payment limit is no more than 500 yuan
As static barcode (such as the two-dimensional code pasted on the wall in advance) is easy to be tampered or altered, and easy to carry Trojans or viruses, according to the central bank, if static barcode is used for payment, the risk prevention ability is 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.
According to CCTV Finance
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.
For static barcode payment, that is, the two-dimensional code payment that our common merchants paste on the wall or print, no matter what transaction verification method is adopted, the accumulated transaction amount of the same customer per day cannot exceed 500 yuan.
Consumer's street code scanning micro payment will not be affected
Barcode payment specification will be implemented from April 1, 2018.
For example, after the implementation of the new requirements, consumers scanning static bar code in street vendors will not be affected by micro payment, nor will it affect vendors' collection. If you eat a 600 yuan meal in a hotel, it's a little difficult to pay by scanning static barcode, but you can let the cashier scan the dynamic barcode generated on the consumer's mobile phone, which is actually safer.
Police Alert:
1. The official channel app scanning software should be used instead of the unknown QR code;
2. Carefully identify the authenticity, check the information, and confirm that the QR code is safe and effective;
Third, we should keep a moderate vigilance to the common QR code and keep our own payment QR code;
4. It's better to install some regular security software on the mobile phone to increase the security factor of the mobile phone, so as to prevent illegal elements from embedding the virus in the QR code and stealing important personal information of citizens.