In addition, domestic barriers to credit card payments, but also to a certain extent, limit phone card scenarios.As the country faces the risk of credit card cash domestic phone card does not support the personal credit card acceptance. That is, if users need to pay the friend, can only use a debit card rather than using credit card payment.

A payment industry experts told Sina science and technology, a very wide range of scenarios of the U.S. credit card, wherever basic pay by credit card, there is no need to in order to cash consumption. In addition, the financing environment in the merchant processing United States, SMEs do not need with the cash to prepare for the funds. More importantly, the high cost of this cash, for example, 100 cash, and may actually only get 97 dollars, credit card sets the United States rarely occurs.

In China, the credit system is not sound, credit card cash malicious fraud news is often reported in the newspapers. China's introduction of tougher laws, according to the amendment of the Criminal Law of the People's Republic of China, knowing nothing of the repayment ability of a large number of overdrafts, can not be returned, be liable to imprisonment for three years or criminal detention.

Foreign credit card is free to take no additional fee, no credit card cash banks have to charge a fee, POS machine cash policy strictly limited. "Lu Tianshun said, CUP hope that by controlling the POS terminal to manage the credit card cash and businesses tax evasion evasion mobile phone card so do not take the unusual way terminal, and the management will be very confusing.

Lu Tianshun to pay the company's innovative products, CUP some credit card payment service boycott, the CBRC is also more conservative, some banks and companies such acquirer cooperation require customers to deposit the full margin. Therefore, policy risk, but also to some extent, hindered the development of such products.