“Rumor crusher” personal TWO-DIMENSIONAL code collection to pay tax?Wechat pay treasure: fake

2022-05-01 0 By

On February 16, the topic “wechat Alipay responds to tracking personal payment code data for nearly 4 years” became a hot search topic on Weibo.According to media reports, a recent online message said that starting from March 1, 2022, wechat, Alipay personal payment code can not be used for business payment.In addition, data collected in the last four years will be tracked, and if the amount is large, a tax of 4.5 percent will be levied, as well as late payment fees and fines.In response, wechat and Alipay said it was a rumor to track down personal payment codes for nearly four years.On March 1, the Notice of the People’s Bank of China on Strengthening the Management of Payment Acceptance Terminals and related businesses will come into effect.The Notice stipulates that for individuals with obvious characteristics of business activities, bar code payment and collection service institutions shall provide them with the barcode of specially engaged merchants for payment, and shall not provide them with payment services related to business activities through the barcode of personal payment according to the relevant regulations on the implementation of the management of specially engaged merchants.The reporter of China Securities Journal · China Securities Taurus has learned that, first of all, the Notice is not a prohibited collection code for the operation of collection.The notice makes it clear that payment collection codes are divided into personal payment collection codes and merchant payment collection codes, requiring effective differentiation of the use scenarios and purposes of the two, and standardizing the use of personal payment collection codes. It is not a “one-size-fits-all” prohibition of payment collection codes being used in business collection, and merchant payment collection is not affected.Secondly, individuals with obvious characteristics of business activities will not be able to use their personal collection code for business collection.The Notice makes it clear that for individuals with obvious characteristics of business activities, bar code payment and collection service institutions shall not provide payment services related to business activities through personal bar code payment and collection service.In addition, personal static payment bar code is prohibited in principle for remote non-face to face payment.The personage inside course of study expresses, at present to “have the individual with obvious business activity characteristic” has not given clear specific definition way.WeChat:When the reporter of China Securities Journal · China Securities Journal asked Tencent customer service whether the personal payment code can continue to be used, Tencent customer service replied that according to Tenpay’s communication with the regulatory authorities and understanding of the new regulations, after March 1, the personal payment code can still be used.Some users with obvious business behavior shall be upgraded to business payment code according to regulations.Standards for obvious business practices will be announced by the regulator in the near future, and the platform will retain a transitional period before users upgrade.Tencent customer service emphasized that if the upgrade criteria are met, wechat payment assistant will issue a message notice, and users who have not received the notice will not be affected.The customer service also tips, if there are relevant personnel door-to-door promotion, please beware of fraud.Wechat commercial payment code will be provided free of charge why to “bar code upgrade”?People’s Bank of China previously explained that in recent years, personal payment bar code has been widely used, but there are some risks.For example, some institutions use personal barcode transfer service to handle a large number of production, operation and living consumption transactions, which not only confuses the nature of transactions, leads to distortion of transaction information, affects the effect of risk monitoring, but also is not conducive to adding value to business activities through payment services.There are some criminals use “platform”, by dangling the carrot of higher returns to attract a large number of workers have been using individual static collecting barcode and gamblers “peer-to-peer” online remote transfer funds, funds spin-off hidden in many normal trade scenarios, disturbed the normal order, barcode payments affected in “capital chain” trace mechanism.Analysys senior analyst Su Xiaorui said that the management norms related to personal payment code, not only conducive to the classification of personal payment and merchant payment management, but also to prevent personal payment code by criminals “exploit loopholes”, can make up for the existing shortcomings, promote the healthy and orderly development of the payment market.An official from the People’s Bank of China (PBOC) said the circular’s requirements on standardizing individual payment codes will further improve the quality of receiving services for individual operators and small and micro businesses.For individual payment code users with obvious characteristics of business activities, the Notice requires receipt institutions to refer to the management of specially engaged merchants.Will such adjustments affect consumers’ daily payment experience?The person in charge said that the use of “code” or printed encapsulated TWO-DIMENSIONAL code merchant, need to collect payment service agencies (such as wechat, Alipay, etc.) to apply for commercial payment code, but consumers’ daily payment experience and feelings will not be affected.In fact, before the implementation of relevant requirements, the regulatory authorities require payment service agencies to fully and fully assess customers’ normal payment needs, develop supporting service solutions, and ensure that service costs do not rise and service quality does not decline.Payment service agencies are obliged to provide commercial payment codes to merchants free of charge, and merchants only need to provide necessary identity verification information.Source: Internet joint refutation platform