Demystifying how POS machine agents make money, is it still late in 2018?

First, analyze the participants in the payment industry and what role do they play?

One: credit card issuing bank, which is the bank. Free credit card for customers, in fact, credit cards are now a financing channel for many people;

II: UnionPay: Card organization, mainly responsible for opening up banks to carry out fund clearing;

Third: Third-party licensees: Simply speaking, it is the younger brother of UnionPay, responsible for signing merchants, and docking payment systems for fund clearing;

Four: payment agent, that is, POS machine agent: simply said that the younger brother of a third-party licensee is responsible for expanding business to third-party organizations and looking for merchants;

V: Merchants: Enterprises/stores/individuals with collection needs are users of POS machines;

Six: Cardholder: It is the card consumer.

Obviously: as long as the card is charged for the handling fee, a huge interest chain will come out. The demander will pay the card processing fee, the service provider will split the profit, and the merchant will have to pay the bill, so the handling fee will naturally be paid by the merchant. Then, as a cardholder, as long as you apply for a POS machine and bear the card processing fee and act as a merchant, it is very easy to transfer the credit card funds. Then the remaining parties who provided the service split the handling fee. Before the September 6 rate reform, the bank, the third-party licensees, and UnionPay each divided according to the handling fee of 7:2:1. After that, they are superimposed at the base rate. In short, they are changed from fixed to free. Then, if the payment agent is profitable, because it is to help the third-party licensees to expand the merchants, there is a third-party licensee that will divide the profits obtained by the third-party licensees into agents, and the specific proportion is divided into the proportion of each payment company. It’s different, but it’s actually the same. So many people will ask why third-party licensees do not expand their own merchants and want to outsource them to agents. Because the market is too big, it is possible to have a license to wait for the money to be collected, and to outsource hard work. Light asset management is the best policy.

So how do payment agents make money?

1, product sales spread income: With the vicious competition in the market, from the early sale of a POS machine to earn thousands of tens of thousands to earn hundreds of dollars, or even make money to pay for the situation, the times have changed Fast, how many traditional POS machine agents have diverted one after another, can not help but make people jealous! Therefore, the traditional hardware sales spread is basically negligible, but in 2018, the hardware sales spread will be transferred to the software member purchase service, such as no card payment APP, credit card replacement software, pre-judgment can not keep up with payment in 2018 The old batch of payment agents of the trend will be eliminated in batches.

2, the income share, the profit income is currently the most core income of the payment agent, the purpose of all is to obtain the distribution, the so-called "transaction does not stop, the flow is not limited", to work to earn money is not strong, when not It’s only a matter of earning money when you go to work, creating pipeline revenue and realizing passive income! This is why many people are eager to pay for the essence of payment! How is the distribution calculated?

How many points can the agent get? The third-party licensees will distribute the fees they have obtained to the agents in proportion. As for the proportion of each company, the difference is not big. The average agent usually gets 0.04%-0.10%, that is, the user swipes 10000, the agent can get 5 to 10 yuan, but don't underestimate this few dollars. ! Niu's payment agent, the daily flow of cards can reach tens of millions, one day is tens of thousands of income. Generally, the average monthly credit card amount of a machine is 50,000. Expanding a thousand machines, a monthly light distribution is between 25,000 and 50,000 yuan. However, with the changes of the times, the iteration of products, the same type of product distribution is not much different, but the separation between different types of products is still very different. For example, no card payment can be up to 10,000, and credit card surrogate software can be as high as 50,000.

So how do you become a payment agent, what do you need to do and what the cost is?

A: The selection of products, there are many types of products in the payment industry, not just POS machines, POS machines are now just a general term, payment products can be roughly divided into: traditional ticketing big POS machine, WIFI version POS machine, intelligent POS machine , Bluetooth POS machine (with keyboard with or without keyboard), no card payment, aggregate scan code payment, credit card replacement software, etc.;

Second: choose the payment company (choose the brand), currently there are hundreds of licensed third-party payment companies, and there are actually dozens of companies doing business. Although the agency policy is similar, the functions of their respective products are still different, for example, the same is Traditional big POS machines, payment pass is a self-selected industry, Changjie is a self-selected merchant; at the same time, each payment company's main products are different, some only dry POS machines, and some focus on Bluetooth machines. Driven by the interests, there are many second cleaning machines (non-licensed payment company products) in the market, and the second cleaning machine often gives the policy of attracting agents such as ultra-high-scoring, and finally the agent is routinely set. Fortunately, I have worked hard to expand the merchants, creating an objective diversion and splashing water all the time, and returning to the pre-liberation; if serious, even the money-sweeping funds of the expanding merchants will be run away!

Third: the threshold price, if directly signed with a licensed payment company, that is, as an agent, must be the company as the main body, business license, office space, sales staff, the first batch of products, etc., starting at no less than 50,000 .

However, this is just a single product operation. The current market can no longer be profitable by operating a single product. In the traditional era, it is necessary to change the thinking in the era of the Internet, and to operate users, but the needs of users. It is diversified, the product is iterative, and the third-party licensees continue to raise the volume of the first-level agents. Therefore, the agents that can survive in the future must also operate a variety of payment products and inventory, and this requires more Human, material and financial resources. This has led to a significant increase in the threshold for doing a first-class agent, conservatively estimated to start 300,000.

So what do we do as a refinery, what do we want to do in the payment industry?

Want to invest small, risk-free and easy to play, that is to find a reliable agent to sign a second-level agent, but with 2016, 2017 a large wave of small and medium-sized agents were shameless blackhearted first-class agent routines cut amaranth Can't help but embarrassing! So how to choose a reliable first-class agent is very crucial, otherwise it will work hard for a few months, and it will be floated when it is set. At present, it is very easy to be a secondary agent in the market. It is not a problem of spending money to purchase goods. However, if you want to do a good job of promotion and realize a monthly income of over 10,000, you can’t just find a first-class agent that just supplies you. Is to find a platform that can provide you with promotion channels and marketing dry goods at the same time. A platform-type unicorn will surely appear in the future payment industry! Similar to Taobao, Jingdong, 58 city like this type of platform! As a reeling of us, as long as we rely on such a vertical platform for the payment industry to start a business, we can easily achieve the reversal of silk! Here is a small list of how to choose a reliable payment agent:

1, do not look at high scores or activate cashback, this is the easiest way to be routine! It is profiteering to get the hand of stability;

2. If you choose to operate for more than 3 years, the distribution will be timely and timely;

3. Choose a company or platform that diversifies its products to meet the diversified needs of users, otherwise users are easily lost;

4. Marketing support: The payment agents who fail to provide business training, marketing training and promotion tools will definitely decline in the future!

So it’s not too late to start paying in 2018?

It’s not too late, it’s going to start! This year is the first year of product iteration; this year is the year when new and old agents reshape the market; this year is a year of heavy marketing!

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