台灣的無現金支付-小型店家觀點 - 行動支付
By Anonymous
at 2022-06-01T22:09
at 2022-06-01T22:09
Table of Contents
原討論串有提到滿多種不同的情況
身為小規模營業人的店家現身說法一下無現金支付的情況
先說一下自身產業和目前已用的支付方式
本身為旅宿業,店內設有刷卡機、linepay、街口、悠遊付、台灣pay、pi錢包
官網訂房金流為藍新金流刷卡
很多人都覺得只要有使用刷卡機就必須開發票
這邊釋疑一下沒有這回事
開不開發票這件事還是取決於營業額是否有達到20萬標準
沒有達到20萬可以選擇開或不開,但達到20萬沒開的話國稅局就會來敲門了
講回無現金支付,主要分成刷卡和行動支付的部分
就自己的經驗來說,我申請過台新銀行和合作金庫的刷卡機
基本上民營銀行對小規模營業人普遍不友善
之前接洽過我店隔壁玉山銀行,他們直接說玉山不接小規模的收單業務
台新銀行之前用的是移動式的mpos機,月租費$150元無低消手續費1.95%
後來他們取消mpos系統要換成一般刷卡機,費用變成月租費$500、月刷10萬免月租
因為覺得$500這樣付有點不爽,就改問合庫
合庫免月租費無低消,手續費1.9%但裝機押金$10000(後來砍到$3000)
台灣pay也是直接跟他們一起辦,手續費相同的樣子
設刷卡機的理由其實很簡單,
就是為了教訓booking.com那些訂房不來也不說的放鳥仔
因為旅宿業可以開預授權的功能,放鳥的情況就可以直接用卡號收錢
行動支付部分linepay街口悠遊付的手續費都是2%-3%,pi錢包2%
不過之前被悠遊付銃康過,跟他們爭取到2%的手續費
linepay和街口都還有手續費本身5%的營業稅,所以算起來會多0.1%
回到很多人問的問題,為什麼小店家不太喜歡用這類的支付方式
我問過很多身邊開店的朋友,大多都是因為手續費的關係
以自身為例子,敝店在booking.com和agoda等網站上架就已經先15%-18%
台灣客人特別喜歡到店才付,在刷卡或行動支付的話收入先打8折
未達發票門檻的店家大都是小生意賺也不算多
這些看起來不多的成本累積起來也很可觀
加上無現金支付還會有金流的問題
linepay從客人刷完到給錢至少要10天左右,街口跟悠遊付大概2天就給錢,
但像我這邊用的比例是linepay9街口1
其他有人用過的一隻手數得出來
而且以我自己來說,不知道為什麼大家還是喜歡用現金
就算我都願意給支付抽了但付現跟無現金的比例還是8:2左右(最近稍微有到7:3)
這部分我還是研究不出來,可能還需要更多的統計
以上是一個小規模營業店家的現況
當然單一店家單一產業很難看得出什麼
不過PO在板上就當作給一個觀點吧~
--
身為小規模營業人的店家現身說法一下無現金支付的情況
先說一下自身產業和目前已用的支付方式
本身為旅宿業,店內設有刷卡機、linepay、街口、悠遊付、台灣pay、pi錢包
官網訂房金流為藍新金流刷卡
很多人都覺得只要有使用刷卡機就必須開發票
這邊釋疑一下沒有這回事
開不開發票這件事還是取決於營業額是否有達到20萬標準
沒有達到20萬可以選擇開或不開,但達到20萬沒開的話國稅局就會來敲門了
講回無現金支付,主要分成刷卡和行動支付的部分
就自己的經驗來說,我申請過台新銀行和合作金庫的刷卡機
基本上民營銀行對小規模營業人普遍不友善
之前接洽過我店隔壁玉山銀行,他們直接說玉山不接小規模的收單業務
台新銀行之前用的是移動式的mpos機,月租費$150元無低消手續費1.95%
後來他們取消mpos系統要換成一般刷卡機,費用變成月租費$500、月刷10萬免月租
因為覺得$500這樣付有點不爽,就改問合庫
合庫免月租費無低消,手續費1.9%但裝機押金$10000(後來砍到$3000)
台灣pay也是直接跟他們一起辦,手續費相同的樣子
設刷卡機的理由其實很簡單,
就是為了教訓booking.com那些訂房不來也不說的放鳥仔
因為旅宿業可以開預授權的功能,放鳥的情況就可以直接用卡號收錢
行動支付部分linepay街口悠遊付的手續費都是2%-3%,pi錢包2%
不過之前被悠遊付銃康過,跟他們爭取到2%的手續費
linepay和街口都還有手續費本身5%的營業稅,所以算起來會多0.1%
回到很多人問的問題,為什麼小店家不太喜歡用這類的支付方式
我問過很多身邊開店的朋友,大多都是因為手續費的關係
以自身為例子,敝店在booking.com和agoda等網站上架就已經先15%-18%
台灣客人特別喜歡到店才付,在刷卡或行動支付的話收入先打8折
未達發票門檻的店家大都是小生意賺也不算多
這些看起來不多的成本累積起來也很可觀
加上無現金支付還會有金流的問題
linepay從客人刷完到給錢至少要10天左右,街口跟悠遊付大概2天就給錢,
但像我這邊用的比例是linepay9街口1
其他有人用過的一隻手數得出來
而且以我自己來說,不知道為什麼大家還是喜歡用現金
就算我都願意給支付抽了但付現跟無現金的比例還是8:2左右(最近稍微有到7:3)
這部分我還是研究不出來,可能還需要更多的統計
以上是一個小規模營業店家的現況
當然單一店家單一產業很難看得出什麼
不過PO在板上就當作給一個觀點吧~
--
Tags:
行動支付
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