银联整顿终端市场，五家POS终端厂商资质遭撤停

Core Insights - The UnionPay certification office has revoked or suspended the production qualifications of five terminal manufacturers due to violations of certification rules, affecting nearly 40 models of POS machines with an estimated market stock of over 1.2 million units [2] - This action marks the first instance of a concentrated "top-level" penalty since the launch of the "Clear Terminal" initiative in 2023, indicating a deeper regulatory crackdown in the payment industry [2] - The violations include security chip tampering, serious breaches of the "one machine, multiple codes" rule, and falsification of materials and unauthorized production [2] Group 1 - Five companies affected include Xiamen Dingbaiyi Technology Co., Ltd., Shanghai Jiayan Information Technology Co., Ltd., Shijiazhuang Chaolu Network Technology Co., Ltd., Shenzhen Jingshield Technology Industrial Co., Ltd., and Yunma Intelligent (Hainan) Technology Co., Ltd. [2] - The specific violations include: - Security chip tampering where Dingbaiyi and Jingshield were found to have terminals that could bypass UnionPay's security chip [2] - "One machine, multiple codes" violations where Chaolu and Yunma were confirmed to have backdoor technologies allowing service providers to exploit preferential merchant rates [2] - Falsification of materials and unauthorized production where Jiayan Information transferred orders to an unqualified factory without obtaining the new UnionPay terminal production license [2] Group 2 - UnionPay has mandated that acquiring institutions must complete risk assessments and replacement plans for existing terminals within 30 days and rectify issues by December 20, or face penalties such as limits on transaction volumes and suspension of new merchant additions [3]