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河北一POS机代理商疑似“跑路”,数百商户被骗

2018年7月20日 1875点热度 0人点赞 28条评论

做生意装台POS机,客户刷了卡,钱却到不了账,岂不急坏老板?最近,河北省数百位通过河北瀚迪电子科技集团有限公司(以下简称“河北瀚迪”)安装了POS机的商户因为刷卡金无法到账焦急万分,石家庄、保定、秦皇岛、邢台等地受害者一起来到石家庄寻求帮助。

目前,警方介入调查。与河北瀚迪有代理合作关系的银盛支付则表示,将配合警方调查资金去向,并与河北瀚迪共同分期支付兑现,目前还在对受损商户做进一步统计。

1 痛心: POS机刷了14万元 至今没到账

保定的黄女士是个生意人,日前她向本报新闻热线反映了自己的遭遇。她说,去年10月份,河北瀚迪电子科技集团有限公司的业务员上门推销办理POS机,按回款时间长短有不同的优惠费率,时间越长费率越低,7天回款就可以零费率。黄女士正好需要POS机,就装了一台,用于日常交易,从装上这台POS机后,她每月在POS机上交易的流水有30万元左右,都能正常结算回款。最近的交易是7月6日、7日、8日三天,POS机刷卡14万元。9日,就有朋友告诉她,这台POS机不能用了,因为回不了款。然后,黄女士就被拉进了一个维权群,里面全是河北瀚迪安装的POS机受害者,有保定的、秦皇岛的、天津的商户,都是刷了卡不能回款的,少则几万元,多则几十万元。黄女士给当初办卡的业务员打电话,业务员也很无奈,说自己也是受害者,公司出现问题,找不到老板了,他也不知道怎么办。

在邢台开饭店的刘女士的遭遇和黄女士类似,她说,她去年夏天经朋友介绍,通过河北瀚迪的业务员购买了一台POS机,装在饭店用于日常交易,费率很优惠,一直正常使用。7月4日至6日,共有4笔交易4万多元通过POS机完成,按正常情况,4日刷的钱7日应该到账,可是7日没有到账,她给业务员打电话,业务员说好像公司出事了,老板联系不上了。这让刘女士分外焦急,然后,她也被拉进了一个维权群。

7月10日,黄女士、刘女士和多个群里的部分受害者一起来到石家庄,希望能找到河北瀚迪的负责人,要回自己的钱。

2 调查: 办公区人去屋空 受害者集体报警

7月10日,根据受害者提供的线索,记者来到河北瀚迪位于东胜广场12楼、19楼的两处办公区,都是大门紧锁,人去屋空。每个办公区前都聚集了一群前来打探消息、等待回款的商户。商户们说,以前这两个办公区很热闹,为了鼓励大家多刷卡,公司会发放各种免费的餐饮券、电影券等,还经常会有一些集体活动。没想到短短几天时间,就已经人去屋空,里面该搬的都搬走了,人也不知去向。

石家庄的建筑材料生产商吴先生告诉记者,他是河北瀚迪的老客户了,2013年就装了该公司的POS机,七天回款,零费率,用了4年多了,一直比较正常,今年5月份出现过一次返款延迟,让他心生警惕,于是就又从银行办了一台新的POS机,平时的业务往来主要用这台新机子。7月初他出了几天门,收钱的员工不会用新机子,又用旧的POS机刷了8500元,7天后钱没有到账,他收到了业务员的微信:“那台零费率的POS机暂时别刷卡了。”吴先生感到不对,马上给业务员打电话,显示无法接通。

在办公区门口等候的受害者群体中,吴先生的欠款算是小额,多数人的受损金额在数万元以上,来自沧州做红枣生意的刘先生刷卡11万元,做理财的郭女士刷卡10万元,做商贸公司的肖女士刷卡12万元……

这些受损的客户建了多个维权群,目前,受害者已集体报警,希望能借助警方力量挽回损失。

3 收单后台指向银盛支付

 

记者通过国家企业信用信息系统查询“河北瀚迪电子科技集团有限公司”,显示状态为存续。但是,该公司法人靳某某从7月9日起一直处于失联状态,不仅商户联系不上,公司员工也无人可以联系得上靳某某。

记者在央行网站上查询发现,河北瀚迪电子科技集团有限公司并未取得人民银行的支付牌照,没有收单资质。

那么,POS机刷走的钱到哪儿去了呢?根据多位受害者到银行打出的流水单,对方商户显示为“银盛支付”,一家总部位于深圳的第三方支付平台。记者拨打银盛支付客服电话询问此事,客服人员表示,他们此前和河北瀚迪电子科技集团有限公司是合作关系,现在已经暂停合作。针对大批客户反映的问题,会向上级反映。

4 河东派出所:已受理此事 介入调查

据了解,河北瀚迪安装POS机不回款一事,警方已受理,并着手开始调查。石家庄市长安分局河东派出所的民警告诉记者,此案涉及的受害者人数较多,目前报案者已有数百人;金额也比较大,根据记录,报案者的损失以几万元、十几万元居多。由于现在每天还有不少人在陆续报案中,涉及总人数与金额还无法准确统计。河东派出所刑警中队人员也表示,他们已介入调查,暂不方便透露更多细节。

5 银盛支付:配合警方调查 与河北瀚迪共同分期兑现

作为河北瀚迪的上级——被代理方,银盛支付对此事给予了充分重视。7月15日,银盛支付向受损商户们出具了一份“致瀚迪公司拓展的银盛支付各POS商户”的告示,告示中表示,“自2018年7月9日起,因瀚迪公司原因,导致部分商户刷卡资金未能及时到账。瀚迪公司与银盛公司共同决定按照受理登记、确认未付金额、分期支付兑现的步骤予以解决上述问题。”告示要求各商户携带相关材料到河北瀚迪的原办公地址(东胜广场A座19楼)进行登记。告示盖有“河北瀚迪电子科技集团有限公司”“银盛支付服务股份有限公司河北分公司”两个公章。

银盛支付河北分公司一位部门负责人告诉记者,根据他们的调查,造成刷卡不回款的主要原因是河北瀚迪在POS机上动了手脚,利用技术手段将商家绑定的银行卡换成了自己掌控的银行卡,以此截留回款,留作他用。而银盛支付的风控系统并未报警。目前涉及的绑定银行卡约300张,这些银行卡截留的钱去哪儿了?银盛支付正在协助警方追查。此外,河北瀚迪的法人代表虽然失联,但公司的员工和公章尚在,可以代替法人行使权力,公司也有部分资产可以抵债,目前,河北瀚迪在东胜广场A座19楼的办公区已重新开放,瀚迪的员工和银盛支付的部分员工一起接待客户,主要是登记客户的受损信息,协助警方调查。

 

6 提醒: 莫占便宜 远离“二清”POS机

据支付界人士介绍,被河北瀚迪动过手脚的POS机就是当前正被严查的“二清”机。按正常POS机结算流程,结算资金会通过银联或第三方支付平台的通道直接打到POS机商家绑定的账户上,中间不经过其他账户,到账很快很安全,属于“一次清算”;而经过特殊技术处理的POS机,结算资金会先打到绑定的第三方账户,再由第三方账户向收款账户结算,这属于违规的“二次清算”。“二次清算”可以截留资金,风险很大。

正常的POS机刷卡都有费率,河北瀚迪安装的POS机就是用“零费率”吸引商户,从中截留资金以作其他用途。支付界人士提醒POS机使用者,一定要遵守规则,不占小便宜,远离大陷阱。

文/本报记者 刘文静

标签: 暂无
最后更新:2018年11月30日

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