How to do a pos agent?

With the massive issuance of bank credit cards, the pos agency industry has become a pipeline industry with good returns. At present, a large number of elite white-collar workers face high debt ratio and need to rely on credit cards to maintain their daily cash balance. In other words, they have to reverse their credit cards every month to solve the repayment problem. If credit card readers are widely used by them, they can earn a stable share in the transaction. Here, the machine is equivalent to the toll station of a high-speed company, and customers can make money by swiping their cards. I have been an agent in this industry for 3 or 5 years, and I earn more than 100,000 yuan every month.

Although the pos agency industry makes money, there are all kinds of routine risks, especially novice agents, because the good policy of machine agency is directly linked to the order volume. The larger the order volume, the lower the settlement rate and the higher the profit. However, for agents who have just entered the business, they often don't have the strength to get a lot of goods, so they will compare the agency policies of credit card machines in the market and blindly pursue the policy of high profits and high cash back, which will inevitably lead to the risk of being routine.

Because the share ratio between the issuing bank and UnionPay is fixed, the income that can be given to the payment institution is so much, and the share that the payment institution gives to the agent is actually not much. The agent only relies on a large number of goods distribution to increase the transaction volume and increase the profit share, and then gives it to the lower-level agents layer by layer, and his income is even less. So it is not surprising that there is a bad routine of going home. It is not surprising to attract small agents to get goods with high cash back, or deduct points, or force them to get goods. In this way, some eager small white credit card swipe agent didn't do long, paid a tuition fee in vain and left.

Then, how do novices who intend to enter the machine agency industry choose to avoid these routine risks? How to choose a reliable home?

At present, there are two kinds of pos agent modes in the market: one is the traditional agent mode, and the other is the new partner agent mode. Let me talk about how to choose these two modes first.

The first one: the traditional proxy mode of pos.

This mode is also a hierarchical proxy mode. The headquarters directly signs the first generation, the second generation and the third generation to develop subordinate agents, and pays the headquarters to sign the first generation for distribution, and the first generation for the second generation, and the distribution is distributed at different levels.

In the traditional mode, the risk of profit sharing is very high. Once any level is not issued, the whole chain below this level will have problems. No matter how good your relationship with your family is, you can't control your family.

Under the traditional mode, the risk of pressing goods is also great. It takes a certain amount of goods for the headquarters direct sign to become a consignment, often thousands. If the delivery quantity cannot be reached, only the second and third generations can be signed, but the assessment time is limited, usually three months. If you don't activate, you might as well pay for the machine, and activate the machine at a specified time for free or at a discount. In this way, all levels will formulate policies and give corresponding subsidy policies according to the volume of goods. Similarly, any generation that has problems will be rectified.

So, what can traditional agents do? Of course, if you have certain strength, you can sign the headquarters. Although there is no risk of stopping the issuance, the huge issuance assessment still needs strong team strength. If you don't have the ability to be a first generation, you'd better sign a second generation. The fewer levels, the less risk. Traditional mode, reliable home is the most important.

In addition, the second type: pos new partner agency mode.

This model is very simple for developing an agent. Generally, you can register a certification agent through the App, and then share your QR code with others online or offline, and you can automatically become your agent. It is very simple to do, and the threshold is extremely low. Even if you take the machine, you can take the agency mode, swipe your card yourself and make a profit. This is similar to using low rates to save some credit card fees.

This model also has many advantages:

1, the agent takes the goods directly from the headquarters without going home, so there is no risk of first-class pressure.

2, according to their own strength to get the goods, launch and then buy, real low-cost entrepreneurship, especially suitable for beginners to operate.

3. There is also direct delivery from the headquarters, with real-time or daily settlement of transactions, visible income, flexible cash withdrawal and no risk of stopping delivery.

4. Breaking the shackles of the traditional agency hierarchy, the transaction volume sharing of the team is more conducive to the development of team operation.

5. The policy is unified, transparent, fair and just.

Through the above comparison, it is not difficult to see that the new partner pos agency model is easier to do, which solves the pain point of the traditional agency model, greatly lowers the threshold of pos agency, and truly becomes a new model for mass entrepreneurship. It is recommended that novice pos agents choose this mode. Although the policy is not the best, it is indeed real, and it is futile to routinize the policy.