1. It must be a POS merchant with Changsha Bank as the acquiring bank (including a special merchant who has opened the fixed-line payment service of Changsha Bank) and must have a physical store. In principle, POS card readers should be installed or often placed in physical stores for daily transactions;

2. The actual controller of the merchant has full capacity for civil conduct, and neither he nor his family has a bad credit record;

3. The merchant's own credit status is good, and there is no historical record of debt evasion;

4. The monthly bill collection amount is not less than 1 ten thousand yuan;

5. In principle, the merchant or the actual controller of the merchant needs to have more than three years of industry experience;

6. It takes more than 3 months to collect the bill in Changsha Bank;

7. No credit card cashing and swiping are used to expand bank credit support;

8. Other conditions stipulated by the bank.