2. Merchants with industrial and commercial business licenses and types of individual industrial and commercial households need to provide the owner's ID card, bank debit card or quasi-credit card and business certification documents.
3. Merchants with industrial and commercial business license and sole proprietorship, limited liability company, joint stock limited company and partnership enterprise type can contact the account manager of the handling bank for handling.
Different applicants:
1. Application of small and micro businesses: materials required by businesses without business licenses: owner's ID card, debit card or quasi-credit card of Agricultural Bank of China, and auxiliary certification materials (including but not limited to the property right certificate or lease agreement of business premises, certification materials issued by centralized business premises management party and other certification materials that can reflect the real trading activities of goods or services).
2. Individual industrial and commercial households: materials required by businesses with industrial and commercial business licenses and "individual industrial and commercial households" types: owner's ID card, debit card or quasi-credit card of Agricultural Bank of China, and business certification documents.
3. Business applicant: Merchants with industrial and commercial business licenses and types of "sole proprietorship", "limited liability company", "joint stock limited company" and "partnership enterprise" need materials: you can contact the account manager of the handling bank to handle them. The first business license, the second corporate ID card, the front and back, the third bank card, the mobile phone number, the fourth photo of the store door and the scene photo of the bank cashier. If it is a company office, you can open the corporate image wall, office scene, cashier, desk, and the business license can also be used as Wechat business equipment. Generally, operators are required to take photos in or under the store with their ID cards to reflect the real business situation. The payment codes of different payment companies are public. Therefore, you should first confirm whether the local payment company or the national remote payment company has made the advance payment, which can generally arrive in time, but there are restrictions on the determination of the payment. Generally, IP positioning is limited within 50 kilometers. If it is a national collection, it can only be collected the next day.
Legal basis:
Notice of the People's Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Services
Second, the management of special merchants.
(1) information verification. The acquiring institution shall take effective measures to verify the identity information of the special merchants when initially expanding and conducting business with the special merchants. Units with fixed business premises shall be verified face-to-face on the spot. For physical merchants and online merchants without fixed business premises, in principle, they should be verified by manual or intelligent customer service synchronous video. For online merchants who conduct business activities through e-commerce platform, the acquiring institution can verify the identity information of special merchants with the help of e-commerce platform on the premise of ensuring the fulfillment of the main responsibility of acquiring business management.
In the process of information verification, the acquiring institution shall remind the legal representative, responsible person or authorized person of the special merchant of the risks and responsibilities of renting, lending or selling the payment acceptance terminal (including the bar code payment auxiliary acceptance terminal, the same below), the collection bar code, the online payment interface and the receipt settlement account in a significant way. Where the settlement accounts of special merchants are set to different accounts, the acquiring institution shall examine whether the special merchants and the account holders of different accounts have the same legal fund management relationship such as brand chain operation and group management, and identify and verify the account holders of different accounts.
The acquiring institution shall complete the verification of the identity information of all existing special merchants within 1 year from the date of issuance of this notice, and form a work report for future reference.
(2) Information platform. The clearing institution shall establish and improve its own information platform for networked special merchants, and conduct necessary monitoring on the relationship between the acquiring institution and networked special merchants, the payment acceptance terminal and the risk of acquiring transactions. The information platform should follow the principle of minimum necessity to collect the core network access information of special merchants, such as the code of acquiring institution, the name of special merchants, the unified social credit code of special merchants, the code of special merchants, the type and serial number of payment acceptance terminal, business type, bill settlement account, business address of special merchants, geographical location and contact information of payment acceptance terminal (online payment interface), etc. The acquiring institution shall submit the above information to the clearing institution within 2 days after the special merchants access the network, change or terminate the service.
(3) Change management. Where a special merchant applies for changing the geographical location of the bill settlement account and the payment acceptance terminal, the billing institution shall re-verify the identity information of the special merchant before handling the change.
The clearing institution shall monitor the changes of the network access information of the special merchants. If it is found that the same special merchant frequently changes the core network access information, the information submitted by different acquirers is inconsistent, the acquirer has repeatedly returned the bill, or the business address and contact information of other special merchants are the same, it shall require the relevant acquirers to conduct risk investigation and feedback the investigation results. For the purchaser who fails to feedback the investigation results on schedule, the clearing institution shall take necessary risk prevention measures such as rectification within a time limit, delaying business liquidation, reducing business quota and suspending transactions.