The payment industry is a rapidly rising industry in recent years, and it has developed rapidly with the introduction of direct selling ideas! At the same time, the payment industry is also an industry with relatively high professional requirements. It's easy not to pay attention, into the pit, that's what the subject said.
As a person with experience in the payment industry, I have summarized some routines in the payment industry. Please read carefully to avoid into the pit!
1. deposit
A certain deposit is deducted from the activation of the machine, generally 299, and it will be refunded in tens of thousands in half a year. This is the first routine, most people can't brush it, which means the money will be wasted!
2. Deduct money from the machine
That is, how much is a machine, and how much reward is added for activation and return. The more goods you take, the lower the price of the machine, and the higher the activation and cashback. Many people are tempted by this, and the machine behind them can't get out and hit it in their own hands!
3. Tax deduction and withdrawal fee
As a legal income, the payment industry is taxable. Generally, the tax will be set at 8% ~ 9%, but their cost is actually 6%. There is also a backstage withdrawal fee, usually a single 3 yuan. In fact, there is no handling fee for cash withdrawal!
4. Activation within a time limit, overdue fine
The opening date stipulated by the payment institution is 6 months. If the machine does not start, you will be fined.
5. Late price adjustment
When it was first promoted, the combination policy was particularly good, with high cashback and high profit sharing. Later, the handling fee was directly raised, and the upward part has nothing to do with you!
Cut leek
Cutting leek is not a good word in the financial industry, especially in the payment industry. Unless you are a payment company, no matter how well you do, you may not have money overnight, for example, dividends in Anhui are across the board!
Finally, to sum up: the routine is deep, but you don't have to go back to the countryside. To pay, you must first find a very reliable family. This person must have a very good reputation in the payment industry, otherwise you are helping others raise pigs!
I can only tell you that any business has a routine. Wool is on pigs. Someone will always pay for the service you get. Even if it's not you now, it will be passed on to you later.
As soon as payment companies have products, they will recruit large provincial payment institutions throughout the country. And these large payment institutions will get a settlement reserve price from the payment company according to the amount of goods taken. At this time, the payment institution will recruit a small payment institution below. Also according to the quantity of goods, give them a settlement price. By analogy, small payment institutions will recruit smaller agents and give them a bottom price for settlement. Then there is a problem at this time. The bigger the stock, the lower the settlement reserve price.
The disadvantages of this model are as follows: ① The bigger the stock, the lower the settlement reserve price.
(2) Dividends and rewards are decided by the payment institution, not the payment company. So the phenomenon of cutting leeks is such a pattern.
③ Machines and tools are started regularly. If it is not activated within the specified time limit, it will be fined.
Often in this mode, when the salesman opens the machine to the customer, he will open it low and walk high, which means that the speed he gives you at first is very low, and when you use it, he will secretly adjust the speed. Therefore, many people engaged in traditional payment are afraid of cutting leeks and are entangled in their hearts.
As the name implies, "routine" refers to a planned response to a certain situation. People who use this way and method often have mastered this way and formed a conditioned reflex. Logically, they tend to deal with complex situations in this way. Psychologically, they often have a dependence on this method, which has a deep influence on people. Dealing with events in a definite and unchangeable way forms "several ways" for some situations, which is called routine. 20 16 the internet has made the word "routine" popular among young people again. To put it simply, the word routine is now used in a derogatory sense, generally referring to people who like to cheat and have great practical experience in methods, thus forming a behavior pattern, the so-called "routine".
In the eyes of sociologists, routines are a way of thinking, skills and forms of expression produced in the traditional inheritance.
Psychologists say that routine is a kind of pragmatism based on experience and low risk.
In the eyes of cultural critics, routine has become something you may not like at first, but you have to accept it, and finally you have a good time.
However, in the payment industry, I think the routine of the payment industry is always like this, that is, the new rules of the game formulated by superior agents based on experience in order to return to the original cost and reduce risks are often because they don't know much about the industry, and may covet the temporary high cash back profit, low settlement price and low delivery policy, and enjoy the rules of the game formulated by others in advance.
It is suggested that newcomers must find their own position. Are you good at attracting investment, building team marketing or personal marketing? So as to choose the right brand (be sure to choose a regular cleaning machine with a payment license, which is safer), and customize different schemes suitable for investment promotion and direct sales to implement! Also welcome more people to participate in the exchange!
Now the closed loop of every business is inseparable from the payment link. With the rapid development of the times, various payment methods are slowly changing people's consumption habits and levels. Behind this payment link, how many unknown secrets are hidden, and the number of businessmen engaged in the payment industry is gradually increasing. Is there a feeling that the speed of spending money is getting faster now, and the money earned always feels that it won't take long? According to statistics, the post-90s per capita debt is around 654.38+ 10,000. According to the statistics of 10,000 people, 60% are moonlight people. What is the reason? Is it because of rising prices or too many temptations? At least, I'm sure that the consumption concept of most young people has changed. I remember before 2004, many people used cash. Around 2004, it was a turning point, the birth of credit cards in major banks and the change of credit society. People are gradually moving from cash to digital transactions, and many people feel the same way, that is, you take out your wallet and count the money, and you take out your card directly. The former makes you feel scared when you watch the money decrease, while the latter is a string of numbers with no concept. After all, holding a 5000 yuan bill in your hand is not the same as the balance of a 5000 yuan card.
The era of cashless is coming.
In 20 12 years, the payment form and development speed further changed, from swiping the card to QR code. Does anyone remember the first offline activity of "Shuang 1 1"? Do you remember the feeling of grabbing a red envelope for the first time? This change is constantly changing our payment habits. Since 12, the rise of third-party payment has led to the emergence of a large number of licensees, pushing payment to a climax again.
How attractive the payment industry is and how much income it has.
I. Terms of payment
1. online payment
Today, with the rapid development of the Internet, online payment is an indispensable payment form for enterprises to conduct transactions through the Internet. Mainly to place an order online for consumption. It was first paid through the bank online banking of three-party aggregation. You can make an online payment order by inputting the information of 3 to 5 elements, such as card number, mobile phone number and verification code. What everyone is most familiar with is that Taobao Alipay has long been bound to bank card recharge, and now it directly conducts online transactions through the WeChat Alipay binding card.
Then, in this payment business, there are many third-party payment companies and their agents to connect with merchants. Of course, the income is considerable. From the point of view, the online payment cost of the three parties is about 0.2%, the online payment cost of WeChat Alipay is 0.6%, and the handling fee given by the merchants according to the transaction is about 0.8%, or even higher. Before 20 10, online payment was not standardized. Network recharge loopholes are flat, and the industry is mixed. All kinds of illegal website recharge payment orders are provided by three parties. Earlier, my peers made more than one million profits through these years. Online and offline orders are different. The Internet has no boundaries, and the consumer groups are not subject to geographical restrictions, which determines the turnover of online businesses. More than one million in January is the least, and many of them are tens of millions or even hundreds of millions. So don't look at online transactions, your income is only tens of thousands to thousands of profits, and your income is very considerable. So if you have such channel resources, you might as well find a part-time job in an aggregation company with considerable income. After all, 654.38 billion transactions, thousands of profits, and hundreds of thousands of income every month.
2. Offline payment
There are many types and forms of offline payment. In fact, to put it simply, there are just a few, such as POS card transaction, QR code transaction, and now face-to-face payment. So how much profit is behind each transaction?
(A) POS credit card transactions
(1) Merchant transaction
At present, many businesses are still using POS machines. After all, most QR codes can't solve the large collection needs of merchants.
At present, there are two kinds of POS machines on the market, one is to swipe credit card, 0.6%, and the other is to swipe savings card, with the cap at 0.5%-20%. This is basically the use price of most businesses, which is unusual and very low. Why low? I'll give you a settlement from the payment company.
Credit card 0.5 1%
The savings card is capped at 0.43% 18.
Don't look at the income of tens of thousands of dollars, as long as the amount is large, it is scary. Maybe everyone doesn't understand the business. For example, in the last fiscal year before 20 15 1, Wal-Mart's net sales reached US$ 482 billion, which was higher than Iran's GDP. You can calculate this income. A major feature of the payment industry is that if this business does not close down, it will continue.
(2)MPOS personal terminal transactions
Ok, so many people are familiar with this product. It is an essential weapon for credit card working capital. A long time ago, credit card lending funds were sanctioned. Now, with banks, payment companies and UnionPay all making profits, this personal credit card product seems to be used by most institutions by default. Well, as for the prospect, I only said the benefits.
At present, this kind of products on the market are also mixed, the competition is fierce, low prices hit the market, and then a wave of price adjustment harvest.
Let's see, what is the cost of paying the company? It is about 0.45%. Many colleagues may be a little surprised to see this. Didn't we all set it at 0.5%? Then the payment company has its operating costs, and now it basically swipes the card once every second, which is also the cost of capital. Therefore, it is normal for the payment company to settle at around 0.52%.
Ok, let's look at the market standard of 0.6%+3 yuan. Everyone can calculate the profit. Tell you, the personal credit card data is about 50 thousand, each of which is about 20 thousand. So this product mainly takes a certain amount to make a profit. At present, this product is easy to promote and everyone can participate.
3. Aggregation transaction (WeChat, Alipay, face-brushing payment)
At present, this kind of products are the mainstream products of merchants. Now there are many cashless transactions, and 70% of the transactions are QR codes, so the transaction volume of this piece is relatively large and the utilization rate of merchants is high. This is also a good choice for people who want to work in the payment industry.
Let's take a look at the official channel fee to the aggregation company, which means that 0.38% of the signing price of WeChat Alipay has a profit of 0. 18%. Ok, let's look at the settlement price aggregated to the agent, which means that the agent has 0. 12%-0. 16. Of course, some companies will give up some advertising profits, and advertising revenue is now divided into two parts. One is WeChat code scanning advertisement, that is, when you usually scan the code to buy goods, an advertisement page will pop up after the payment is completed. According to the market situation and the total number of transactions of aggregation companies, this price is usually around 3 cents -5 cents, and another advertisement is the screen advertisement of the current face brushing equipment. Specifically, I understand that a quotation is 65,438+0,000 units. 1 min is about 15 yuan, that is, the screen advertisement of each face-sweeping device is about 200-300 per month, but at present, the face-sweeping device has just entered the market, so I think this price is illusory, and it does not involve aggregation payment for the time being.
Second, the routine analysis of the payment industry
Well, at present, there are many practitioners in the payment industry, some of whom are engaged in 1 year, and some have just joined, so here I will analyze the payment industry routines on the market, hoping that more people can see them and say a few of the most common routines.
1.MPOS personal credit card terminal
There are two models in this product market.
(1) The supplier takes the goods and the payment company directly signs the contract.
Features: high distribution starting point.
Disadvantages: Need to press the goods, large capital investment.
Suitable: engaged in the payment industry, with channel sales.
(2) Direct selling mode
Features: no pressure on goods, small investment.
Disadvantages: the starting point of profit sharing is low, which increases according to the transaction volume.
Suitable for: small white players, just paid, with a team.
3. Then look at the investment promotion routines in the market.
1. Low price competition, lower settlement price.
We know that the standard market discount rate is 0.6%, so now some payment companies promote 0.5%, so experienced people in the industry know that there are many products in the market like this. Once the price is adjusted, some customers will be lost, so when making low-priced products, we must guard against the customers we promote.
2. Gambling routines
Some payment companies will bet with agents, give you the lowest settlement price, lower the market price, and then let you undertake a transaction volume or shipment. This form of gambling is basically common, but I will tell you some data, and the proportion of basic completion is quite small.
3. Aggregate payment routine
Aggregation payment is very popular now, including the current face brushing equipment, which is a very hot project at present. After all, it is good to enjoy the cool under the big tree. Let's analyze it.
(1) settlement price
As I said before, the minimum settlement given by channel publishing is basically 0.2% at present, so many aggregation merchants sign up with you to charge an initial fee of 30,000-65,438+10,000, giving 0.2% to agents. Once they see such a low price, I advise everyone to be cautious. They will definitely adjust the price with you in the future and will get rid of you. After all, no one is a philanthropist, but they have to make a profit. I will harvest with you when you do it. Of course, a colleague told me that the agents are all leeks. See who is the excellent leek. The bigger you do, the more bargaining capital you have. Of course, you will be bound deeper by your family.
(2) Advertising expenses
At present, face-brushing equipment is very popular, and many businesses claim that they have high advertising screen fees. The most outrageous thing I heard is that a piece of equipment costs you more than 3000 yuan a year, but you won't give it to you until you install 100 sets. Here I tell you it's a pit, because there is no advertising company at present, and the cost of a single unit is not that high, so you should learn to judge when you hear this.
(3) Brush face payment agent to join.
I have also participated in many such investment fairs. I found that these businesses don't even have their own products, their own systems and their own backstage, and they also charge high investment fees. In this case, it is best to try all their product systems and see the strength of the other technical team and company. Don't join blindly.
Why are there many routines in the payment industry?
Explain from the agent level first:
The first-level agent signs the contract from the payment company, and the second-level agent signs the contract from the first-level agent;
Arm, for example, said that a brand gave the first-level agent 28,000 points of profit, and the first-level agent got an a 50 yuan. Actually, this is the cost price. Activate one who can return to 300 yuan to the first-level agent, and the first-level agent will earn 250 yuan directly (which also means that your first-level agent is a 250). The activation condition is that the first payment is 2000 yuan after registration, and the first-level agent also activates one to send the second-level agent back to 300 yuan for delivery, with a profit of 28,000 points.
Some people are extremely clever and use various methods to find customers. I've seen a free POS machine and a charging treasure at a bus stop. Charging treasure is the kind of cost in 20 yuan. Too many people want to be cheaper. Anyway, POS machines are free. You can earn a charging treasure by applying for one. After activation, you can brush 2000 yuan, and you don't need it directly after the money arrives. What about the payment company? Customers don't need it, and payment companies can't jump into concessions and public welfare. What money can you make? Just pay 250 yuan each. Later, the payment company couldn't afford it, so it made a condition for the agent. The condition is that a POS machine can only be issued if it costs 30,000 yuan per month. However, how can people reuse such a POS machine? Many of them are useless, and some even throw away the charging treasure after processing. Then pay the money that the company can't make, and of course it won't give you the money of the first-class agent. Of course, it won't be so obvious. They will find everyone.
In a word, your last family can't make money, and of course you can't make money.
If the first-level agent can't get distribution, it will say that the payment company is a liar, and the first-level agent can't get distribution, not to mention the second-level agent. The second-level agent will say that the first-level agent is a liar, which is a vicious circle.
Next, let's talk about tax deduction:
Dividends or cash back are all invoiced to the payment company, and it is inevitable to pay taxes when invoicing. The general tax point is between 8% and 20%.
Summary: If you don't want to buy a set, don't look for products with high returns, high cashback, no activation amount and no credit card amount, and don't think about pulling out the company's wool; Everything is above the payment company policy!