How to use Lacarra?

Lacarra, also known as Lacarra, is a new intelligent payment terminal of UnionPay (which can be used as a tool for credit card repayment and public service payment). At present, there are two forms (1) of Xinfutong terminal installed in Lacarra convenience store (2) of Xinfutong telephone, which can be installed at home. There are about 5,000 outlets in Beijing and Shanghai that can use credit cards for repayment. In Beijing, supermarkets, laundries and lottery shops are mainly concentrated in various residential areas and office buildings. Tobacco hotels, Kodak color TV shops, pharmacies, I love my family, etc. Address: In Shanghai, it is mainly concentrated in convenience stores such as Quik, Haode, Guangming and Costco. Credit cards that can be repaid are: the following two bank credit cards can be repaid on the last repayment date, and the credit limit will be restored within 2-3 working days. China Merchants Bank Credit Card, Ping An Bank Credit Card. The credit cards of the following banks should be repaid 2-3 working days in advance: (Pay attention to the repayment time as soon as possible to avoid late payment fees. Please reserve at least five working days when Shenzhen Development Bank, Minsheng Bank, Industrial and Commercial Bank of China CITIC Bank, Agricultural Bank, Shanghai Pudong Development Bank, Industrial Bank, China Everbright Bank and Huaxia Bank use Lacarra and Guangfa Bank cards. Repayment method: use any debit card (savings card) with UnionPay logo to transfer money to a credit card, which can be cross-bank. There is no charge at present. In addition, foreign currency repayment transactions are not supported.

Main functions of this machine: credit card repayment: China Merchants Bank, Shenzhen Development Bank, Ping An Bank, Industrial and Commercial Bank, Agricultural Bank, China CITIC Bank, China Everbright Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, China Guangfa Bank and Huaxia Bank. Repayment method: use any debit card (savings card) with UnionPay logo to transfer money to credit card, which can be cross-bank and free of charge. Bank transfers: Shenzhen Development Bank, China CITIC Bank, China Everbright Bank, Shanghai Pudong Development Bank, Minsheng Bank, Industrial Bank, China Guangfa Bank, Huaxia Bank, Bank of Communications, Bank of Beijing and Beijing Rural Commercial Bank. Bank card balance inquiry: All banks except CCB can do it.

Mobile phone recharge card: Mobile, Unicom, PHS (Netcom fixed line), etc. Game top-up cards: more than 50 kinds, such as Q coins, Perfect World, World of Warcraft and go-karting. Movie tickets: Beijing UME Huaxing Studios, Beijing Sun Dong 'an Studios, Beijing Changhong Studios, Beijing Stellar International Studios and Beijing China Film Studios.

Coming soon-Wangjing Stellar International Studios, Beijing Souxiu Studios and New Century Studios. Other functions: ordering air tickets, flowers, cakes, etc. In addition to bank transfer and bank card balance inquiry, other projects have income. Installation conditions: The prerequisite for having a store in Beijing is the landline of Netcom or Telecom, well-informed telephone and public telephone. The "Pratt & Whitney Plan" jointly launched by China UnionPay United Commercial Bank and Lacarra Electronic Payment Co., Ltd. was officially launched.

It is reported that the "Universal Convenience Plan" means that before the end of 2007, UnionPay's new intelligent payment terminal 10000 will be put into use in Beijing and Shanghai, and "Universal Convenience Service Network" 10000 will be signed, so as to provide convenience services including credit card repayment, mobile phone recharge and Lacarra bill payment for residents in the two places with a brand-new payment mode.

According to Sun Taoran, President of Lacarra Company, the brand-new "Universal Convenience Website" is widely distributed in office areas, convenience stores and grocery stores in residential areas, and has many functions such as self-service banking services (including inter-bank transfer of UnionPay cards and self-service repayment of credit cards), public service payment services (including electricity, gas and tap water charges), Lacarra bill number payment services, and industry application services. In addition, Lacarra has cooperated with many well-known Internet brands such as Ctrip.com and Dangdang.com to create a new convenient sales method of "product catalogue-call center-bill payment", which has realized the seamless connection between e-commerce and traditional convenience stores. Consumers can easily solve a series of problems such as payment and consumption by calling toll-free numbers and swiping their cards at the nearby "universal convenience network". The following is the relevant content: Q: I made a credit card repayment. Why can't I find my repayment record in telephone banking or online banking that day? A: Once the transaction is successful, your credit line will be restored immediately, and the payment will usually arrive in two days. After the payment is received, you can find your repayment record in telephone banking or online banking. As long as you use your credit card to repay the CMB credit card before the final repayment date, you won't bear any late fees.

Q: I have enough balance in my bank card. Why can't I make a credit card repayment? Answer: UnionPay credit card phone can accept the repayment transaction of China Merchants Bank card or other bank cards to China Merchants Bank credit card. When using another bank card to repay the loan, it is regarded as an inter-bank transfer transaction. Because the banks in different regions are different, the bank cards that can be used for repayment in different regions are different. Please refer to the local actual situation. You can log on to the credit card website of China Merchants Bank, and in the introduction of "UnionPay ATM Inter-bank Transfer" in the "Credit Card Repayment" section of "Hot Issues", you can inquire about the banks that can make credit card transfer repayment to China Merchants Bank.

Q: What is the cost of repaying credit cards to China Merchants Bank? A: All China Merchants Bank Card (debit card) cards with different accounts in all parts of the country can repay China Merchants Bank Credit Card without any handling fee. Other bank debit cards need to consult the transfer-out bank to repay the credit card of China Merchants Bank.

Q: Which cards can repay the credit card of China Merchants Bank? A: All China Merchants Bank cards (debit cards) with different account names can be repaid to China Merchants Bank credit cards. At present, other bank cards that can be used for repayment transactions in Shanghai include Minsheng Bank Minsheng Card, Industrial Bank Debit Card, Guangfa Bank Debit Card, Shenzhen Development Bank Debit Card, Shanghai Pudong Development Bank Oriental Card and Rural Credit Cooperative Debit Card.

Q: Will the wrong bank card number transfer money to someone else's account? Answer: The bank card number has a checking mechanism (the error probability is very small), and the system will judge it automatically. If you enter a wrong number, it will definitely be checked as the wrong card number. And there will be a prompt message to reconfirm the transfer account. Please confirm it.

Q: Can the repayment business support off-site cards, supplementary cards and co-branded cards? Answer: The repayment credit card (payee) can support off-site cards, supplementary cards and co-branded cards.

Q: Can all credit cards provide telephone repayment? A: At present, credit card repayment only refers to the credit card repayment of China Merchants Bank. UnionPay card supports inter-bank transfer business (including the transfer of repayment from China Merchants Bank Card to China Merchants Bank Credit Card). Currently, the transferred bank cards include China Merchants Bank Card, Shanghai Bank of Communications, China Everbright Bank, Shenzhen Development Bank, China CITIC Bank, China Guangfa Bank, Minsheng Bank, Huaxia Bank, Shanghai Pudong Development Bank, Shanghai Bank and Shanghai Rural Commercial Bank. For bank cards other than China Merchants Bank, the inter-bank transfer fee is charged according to the UnionPay standard.

Q: How to check the bank card balance? Answer: Bank card balance inquiry supports all UnionPay cards (including foreign cards), and the input password must be ATM withdrawal password.

Q: Can foreign currency cards be supported? You can't make foreign currency transactions on the credit card phone.