Do I need to pay tax for personal QR code receipts?WeChat Alipay: Fake
2022-02-17 11:33:05Source: Internet Joint Rumor Platform
On February 16, the topic of “WeChat Alipay’s response to tracing personal collection code data for nearly 4 years” rushed to the hot search on Weibo.
According to media reports, there have been recent Internet rumors that from March 1, 2022, the personal collection codes of WeChat and Alipay cannot be used for business collections. Not only that, the data of the past 4 years will be traced, and once the amount is large, 4.5% of the tax will be paid, and late payment fees and fines will be paid. In response, WeChat and Alipay responded that the claim of tracing the data of the personal collection code for nearly 4 years is a rumor.
Source: Sina Weibo
Such personal collection code
will not be used for business receipts
On March 1, the “Notice of the People’s Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Businesses” will be officially implemented.
The “Notice” stipulates that for individuals with obvious characteristics of business activities, barcode payment and collection service agencies shall provide them with special merchants’ collection barcodes, and refer to the implementation of the relevant management regulations of special merchants, and shall not provide them with business activities through personal collection barcodes. related collection services.
The reporter has previously learned that, first, the “Notice” does not prohibit the use of collection codes for business collection. The “Notice” clarifies that collection codes are divided into personal collection codes and merchant collection codes. It is required to effectively distinguish the usage scenarios and purposes of the two, and to regulate the use of personal collection codes. It is not a “one size fits all” to prohibit the use of collection codes. For business collection, the business collection code of the merchant’s collection code is not affected.
Second, for individuals with obvious characteristics of business activities, their personal collection codes will not be used for business collection. The “Notice” clarifies that for individuals with obvious characteristics of business activities, barcode payment collection service agencies shall not provide them with business activities-related collection services through personal collection barcodes. In addition, in principle, personal static collection barcodes are prohibited from being used for remote non-face-to-face collections.
Industry insiders said that at present, there is no clear and specific way to define “individuals with obvious characteristics of business activities”.
WeChat: Users who need to “upgrade” will be notified
When the reporter asked Tencent customer service whether the personal collection code could continue to be used, Tencent customer service replied that according to the communication between Tenpay and the regulatory authorities and the understanding of the new regulations, after March 1, the personal collection QR code can still be used. Continue to use, and some users with obvious business behaviors need to upgrade to business collection codes in accordance with regulations. For the standard of obvious business behavior, the regulatory authority will announce it in the near future, and the platform will reserve a period of time as a transition period before users upgrade.
Tencent customer service emphasized that if the upgrade standard is met, the WeChat collection assistant will issue a message notification, and the personal collection code of users who have not received the notification will not be affected. The customer service also reminded that if relevant personnel come to promote, please beware of fraud.
Source: WeChat
Commercial payment codes will be provided free of charge
Why carry out “barcode upgrade”?
The relevant person in charge of the People’s Bank of China previously explained that in recent years, personal collection barcodes have been widely used, but there are also some hidden risks. For example, some institutions use the personal collection barcode transfer business to handle a large number of production, operation, and daily consumption transactions, which not only confuses the nature of the transaction, leads to distortion of transaction information, affects the effect of risk monitoring, and is not conducive to the use of payment services to add value to business activities. There are also some criminals who use the “running score platform” to attract a large number of people to use personal static collection barcodes and gamblers to “point-to-point” online remote transfer of gambling funds with high income as a bait, splitting gambling funds and hiding them in many normal transaction scenarios. It disrupted the normal order of barcode payment business and affected the effectiveness of the traceability mechanism of gambling-related “capital chain”.
Su Xiaorui, a senior analyst at Analysys, said that the management specifications related to personal collection codes are not only conducive to the classification management of personal collections and merchant collections, but also prevent personal collection codes from being “taken by loopholes” by criminals. Make up for the existing shortcomings and promote the healthy and orderly development of the payment market.
The relevant person in charge of the People’s Bank of China said that the relevant requirements of the “Notice” on regulating personal collection codes will further improve the quality of the collection service for individual operators and small and micro merchants. For personal collection code users with obvious business activity characteristics, the “Notice” requires acquirers to refer to special merchants for management.
Will such adjustments affect consumers’ daily payment experience? The above-mentioned person in charge stated that merchants who use “code tags” or printed and packaged QR codes need to apply to collection service agencies (such as WeChat, Alipay, etc.) for conversion to commercial collection codes, but consumers’ daily payment experience and feelings are not will be affected.
In fact, before the relevant requirements are implemented, the regulatory authorities require payment service institutions to comprehensively and fully evaluate the normal payment needs of customers, and formulate supporting service solutions to ensure that service costs do not rise and service quality does not decline. Collection service agencies are obliged to provide merchants with commercial collection codes for free, and merchants only need to provide necessary identity verification information.