On the 22 day, China payment clearing Association, WeChat payment and Alipay announced a series of measures to optimize bar code payment, among which the newly established "personal operation payment code" has aroused widespread concern. Can I still use personal collection code? Who can use personal business collection code? Will user costs increase? On the 22nd, the reporter had an exclusive interview with the relevant person in charge of China payment and clearing association to make an authoritative interpretation of hot issues. The picture shows a citizen scanning the code to pay after buying vegetables at Yuzhong Street vegetable market in Lanzhou. Photographed by Xinhua News Agency reporter Chen Bin Personal collection code can continue to be used Order a pancake fruit at the breakfast stall and scan the QR code sealed by the stall owner for payment; When buying vegetables in the vegetable market, scan the "code card" to pay; Find your favorite object in the night market and pay by scanning the QR code printed by the vendor From March 1, for consumers, these familiar payment experiences have not changed, and QR code collection can still meet payment needs. The difference is that in the background of Payment institutions, some merchants will change from the previous personal collection code to personal operation collection code or merchant collection code. In October last year, the people's Bank of China issued the notice of the people's Bank of China on strengthening the management of payment acceptance terminals and related businesses, which put forward a series of management requirements for collection bar code payment, which will come into force on March 1 this year. In accordance with the relevant requirements, users with "obvious operational characteristics" apply for commercial receipts through collection service institutions (such as WeChat, Alipay, etc.). In accordance with the relevant provisions of the people's Bank of China, the payment association has put forward the industry self-discipline proposal, with the establishment of the "personal operation payment code". WeChat payment and Alipay will provide the personal payment code upgrade invitation service from March 1st. What are the benefits of using personal business collection code? The relevant person in charge of the payment Association told reporters that on the one hand, personal business collection codes can accept credit card payment, and can also obtain value-added services such as accounting management, transaction reconciliation and specific marketing. On the other hand, personal business collection codes can better prevent and control transaction risks and more effectively ensure the safety of users' funds. Alipay announced that after the upgrade, users will continue to enjoy the rights of free cash collection, cash withdrawals and other rights, and will enjoy higher rights and interests such as "dare to accept compensation". Wechat payment said it could provide services such as operation account book and operation analysis. The picture shows a passenger scanning his mobile phone code to pay for drinking water on train g8516 in Chongqing passenger transport section. Photographed by Xinhua News Agency reporter Liu Chan Which users can set a new personal business collection code? As March approaches, many stall owners and vendors are particularly concerned about whether they need transcoding. The announcement of the payment Association clearly states that users can freely choose to use the new personal business collection code. That is to say, whether the user set up the new personal operation payment code has the final say. The relevant person in charge of the payment Association said that users "with obvious characteristics of business activities" are encouraged and guided to use personal business collection codes, but it is by no means mandatory "one size fits all". Most users are not affected, especially township residents who sporadically sell their own seasonal agricultural and sideline products or their own handmade small commodities Users such as urban floor vendors and mobile vendors are basically not affected. According to the announcement of wechat payment, after March 1, combined with the user's collection situation, invitations will be issued successively through wechat collection assistant message notification, and the user will provide personal business collection code if he wishes. Alipay also said it would give users an invitation to upgrade personal payment codes in combination with the user's collection characteristics. If you don't want to apply for personal business collection code, the existing personal collection code is not unusable. WeChat payment and Alipay also said that after March 1st, the personal payroll code can continue to be used, regardless of whether it is upgraded or not. Will the use of personal business collection code increase the cost? After the issuance of the notice in October last year, relevant people of the people's Bank of China clearly proposed to formulate supporting service solutions to ensure that the service cost does not rise and the service quality does not fall. The announcement of the payment Association proposed that the service will not be reduced, the experience will not change, and the code assignment process will be free. In this regard, Alipay said that the upgrade process is completely free. Wechat payment proposes that users can receive material code plates for free. According to the relevant person in charge of the payment Association, taking full account of the actual situation of mobile vendors and other customers, small and micro merchants and individual operators applying for personal business collection code will be charged according to the principle of "low or high" and with reference to the standard of personal collection code, so as to reduce the financial cost of merchants. Some people worry that the procedures for applying for personal business collection code are cumbersome. According to the relevant person in charge of the payment Association, Payment institutions will simplify the materials submitted in accordance with the principle of minimum and necessity, and submit them mainly online. Some individual merchants only need to provide personal information, shop avatars or booth photos. Take care of the collection code and guard the people's "money bag" At present, the potential risk of personal collection code can not be ignored. The introduction of relevant requirements is precisely to strengthen industry management, plug loopholes, cut off illegal chains, and better protect the capital security of individual merchants. The central bank previously proposed that for personal dynamic collection barcodes saved by screenshots, downloads and other means, it should clearly refer to the relevant transaction limits of personal static collection barcodes and prohibit them from being used for remote non face-to-face collection. Some people worry that some reasonable remote collection needs will be affected, such as teachers using personal collection code to collect fees on behalf of parents. The relevant person in charge of the association of payments said that Alipay and WeChat could implement white list management for users with reasonable and reasonable demands, and support remote collection function. Recently, some users reported that some people carried out fraud under the banner of "upgrading personal collection code" and "changing code plate". The announcement of the payment Association reminds member units to unblock channels, strengthen communication and interpretation with users, and avoid criminals taking the opportunity to defraud. Alipay and WeChat payment also remind users, if there are related people to promote, please beware of fraud. (reporter Wu Yu) (outlook new era)