"swiping card" grain collection UnionPay card agricultural products purchase payment transaction amount exceeds

"now we only need to pay by credit card, enterprises have reduced the cost of cash withdrawal and transportation, and farmers have also enjoyed convenience and benefits." Founder Qiu ran rice company chairman Gu Bingsong told reporters. By "swiping card", he refers to the UnionPay card payment service for the purchase of agricultural products that began to be piloted in 2015.

The pilot aims at the receipt and payment of funds in the process of buying and selling agricultural products, compared with the traditional bank card payment, after loading this function, it can realize the transfer of funds between any UnionPay debit cards, and has the characteristics of real-time account delivery, security and reliability, mobile portability and so on. By the end of October, the pilot transaction volume has exceeded 130 billion yuan, and the whole year is expected to be close to 200 billion yuan.

Data show that grain production increased year after year during the 12th five-year Plan period, and the country's total grain output exceeded 1.2 trillion jin in 2014. The huge agricultural market pushes up the demand for acquisition settlement and payment, and develops in a more personalized direction. Generally speaking, the purchase of agricultural products is purchased from farmers by agricultural brokers, and then purchased from agricultural brokers by national grain warehouses or agricultural products processing enterprises. "all parties to the acquisition transaction, especially ordinary farmers, hope that the receipt and payment of funds will be convenient, efficient, and easy to operate, and that seeing is believing can rest assured." Introduced by the person in charge of the agricultural service of China UnionPay.

Previously, grain purchasing enterprises mostly used cash to pay for grain purchases. Because of the large amount, they not only had to send special personnel to escort the goods every day, but also prone to risk incidents such as loss of money, counterfeit banknotes, theft and robbery. After selling the grain, farmers and agricultural brokers have to go to the bank to deposit the grain money received, which also brings them a lot of trouble. Compared with online banking, the advantage of UnionPay card agricultural products purchase and payment is that it can cross-bank real-time transactions for 365 days, 7 times 24 hours.

What connects farmers, agricultural brokers and purchasing enterprises is a slap-sized mobile POS machine. Agricultural brokers and purchasing enterprises can complete the purchase payment anytime and anywhere with a mobile POS machine. At the Xiangyu Agricultural products Company, a large grain processing enterprise in Heilongjiang, trucks of golden corn are tested, weighed, and removed, and then loaded into the newly vacated warehouse through the transmission belt. After entering the warehouse, the staff of Xiangyu Company pulled out a mobile POS machine, swiped the UnionPay card, and transferred the grain money to the UnionPay card of the grain broker. On the other hand, farmers only need to bring their own savings card, and after the acquisition and settlement is completed, the funds will be put into this card in real time. If you are not at ease, you can also check the balance through the POS machine. According to the person in charge of China UnionPay's agricultural services, face-to-face card transfers and transaction vouchers are on hand, which is especially in line with the payment habits of farmers.

As the largest grain-producing province in the country, in the first 10 months of this year, Heilongjiang pilot UnionPay card agricultural products purchase and payment business accounted for as much as 20% of the province's total bank card interbank transactions. In Jilin, UnionPay card agricultural products purchase payment extends from grain acquisition to local characteristics of local products, livestock purchase. In the first 10 months of this year, the transaction volume of Jilin UnionPay card agricultural products reached 4 billion yuan, accounting for more than 85% of the local market share.

In addition to Heilongjiang and Jilin, at present, the first pilot project of UnionPay card agricultural product purchase and payment service has been launched in more than 10 provinces and cities, including Henan, Hubei, Anhui, Qingdao, Zhejiang and Jiangsu. The relevant person in charge of China UnionPay said that in the next step, on the basis of constantly improving the acceptance network of UnionPay cards in rural areas, it will continue to increase innovation in agricultural products and services, expand the scope of use, and enrich the connotation of services. let UnionPay cards better serve agriculture, rural areas and farmers.