Dapai pay a number of users said that the "Thunder" card reader can be easily bought online

With the development of technology, credit card payment and other settlement methods are more and more popular, but the potential risks can not be ignored. It is understood that recently, there has been a user in the use of a payment company card reader card, the funds have not been to the account. "Daily economic news" reporter found that the company did not pay a licence, and the industry believes that the company may have "two clear" behavior, however, the company said (customer funds) did not come to account, the reason is that there is suspicion of the customer, so the funds are temporarily frozen. Does the payment agency have the right to freeze client funds? What is the "second clear" in the payment industry? In the face of similar situation, how should we regulate? In this respect, the reporter conducted an investigation.

Recently, a number of users to the "Daily economic news" reporter reflected in the recent use of Shenzhen Payment Limited (hereinafter referred to as the payment) card reader card, the funds have not been to the account (ie, consumer business accounts).

According to the reporter understand, the payment and did not get payment license, its official website introduced it is a "POS machine sellers." and Dapai pay related Personage said, they are with the third party pays the company Shanghai excellent music payment cooperation, but (funds) did not account for the reason is the customer exists the suspicion, the fund is temporarily frozen by UnionPay.

A number of users called the "Thunder" card

According to the Dongguan user Mr. Guan, he bought this card in November last year, two months after a total of 3 brushes, the first two pens on time to the account, but on February 10 that card, the funds can not be accounted for, the current not to account for more than 10,000 yuan.

Another user, Mr. Kim, also said his swipe-card device was bought last October and was normal before use. But by February 27, there was no account of a brush.

According to reporters from a number of users understand the situation, their experience is similar, mostly through mobile phone card reader card, and most of the beginning of this year in February after the credit card has not been accounted for. January used once, to account for a long time, about half a month or so, the funds to the account. But February after the brush, the money has not been accounted for. "The user," said Miss Zheng.

It is understood that these users use the card reader are from the payment of Tatsu. Official website data show that the payment was established in July 2009, "its brand" Tatsu faction to my portable bank for positioning, for the industry to quickly and accurately customized cash payment solutions, innovative research and development of electronic collection and payment service products. However, the reporter was informed that the payments did not receive a third party payment license.

March 27, "daily economic news" reporters to the Darfur pay office space, the reporter's question, the staff of the "person in charge of not" as a matter of no formal response.

However, a sales director surnamed Chen said his head was in Shanghai to resolve the matter. At present, they are favorably happy to pay to understand the information is that some customers are suspected of hedging, so the funds are frozen, will gradually revert to the account.

Dapai a week surname management personnel said, if (reporter) wants to know the specific situation, must go to the good music payment, this side is inconvenient to disclose.

The card reader can be easily bought online

Dapai payment also provided a notice to the reporter, the announcement, March 26, Jiangsu Cool Brush Electronic Technology Co., Ltd. (hereinafter referred to as Jiangsu Cool Brush) issued a notice, after unremitting efforts, the early stage of the liquidation of the data has been part of the settlement, the Division for the safety of the financial responsibility, no risk. At present, due to data errors cause all the delay funds can not achieve automated system liquidation, only manual check, slow progress. According to the schedule, April 27 ~4 Month 30th, can complete all the missing data liquidation, since March 30, so the transaction resumed normal to account. Dapai people told reporters that Jiangsu Cool Brush is a subsidiary of the payment of excellent music. However, the reporter failed to favorably pay for the confirmation.

A user to the reporter provided to the account records show that the company's cooperative payment companies also include at least Jiangsu Happy Pay E-commerce Co., Ltd. and music payment.

A number of users said that the reason they chose this type of swipe card is that it is easy to use and can be bought through the network, and the rate is cheap. Mr. Guan told reporters that he mainly do some electronic parts business, I heard this is very convenient to use, so bought this card reader, "is through Taobao understand and buy." ”

Mr Kim's experience is similar. He said the purchase price was more than 300 yuan.

The journalist looked at the official flagship store in the days of the DA Pie, up to pay the mobile phone POS card prices from 200 yuan ~400 yuan, the official website declared "double channel settlement, the rate of 0.49%, 35 yuan cap"; "Support card and credit card"; "Only one ID card, can download the client installation registration" and so on.