银行的POS机和支付公司的POS机在功能、费用、服务等方面存在一些区别，具体如下：
办理主体不同
银行POS机：由银行直接提供和办理，通常需要与银行的账户绑定。
支付公司POS机：由第三方支付公司（如支付宝、微信支付、银联商务等）提供，可能不需要与特定银行账户绑定。
申请流程和门槛
银行POS机：
【本地POS机办理网为您整理】
- 申请流程相对复杂，可能需要提交营业执照、税务登记证等资料。
- 适合有正规经营资质的商户（如个体工商户或企业）。
- 审核时间较长，可能需要几天甚至几周。
支付公司POS机：
- 申请流程较为简单，部分产品甚至可以线上快速开通。
- 对小微商户或个人用户更友好，门槛较低。
- 审核速度较快，通常当天或次日即可使用。
费率差异
银行POS机：
- 费率一般较低（尤其是针对大额交易），但可能会有年费或其他附加费用。
- T+1结算模式较多（即次日到账）。
支付公司POS机：
- 费率相对较高（尤其是针对小额高频交易），但灵活性更强。
支持T+0即时到账服务（需额外付费）。
4.功能和适用范围
-* * bank pos machine:
-* mainly used for traditional credit card and debit card transactions.
-* may not support some new payment methods (such as qr code payment).
-* *payment company pos machine:
-* supports a wide range of payment methods, including credit cards, debit cards, qr codes (alipay/wechat pay), nfc payments (apple pay/google pay), etc.
-* more suitable for scenarios that require diversified payment options.
5、customer service quality
-* *bank pos machine:
-* customer service is usually provided by the bank's own team, with relatively standardized but slow response speed.
-* *payment company pos machine:
-* customer service is often outsourced or provided by third parties, with faster response speed but possibly lower professional level.
6、security and risk control
-* *bank pos machine:
-* subject to strict financial regulation from central banks and other regulatory authorities; higher security level in terms of fund flow monitoring.
_ _ Payment Company POS Machine:_ _
Also subject to supervision from relevant departments,but risks may be slightly higher due to looser capital management compared with banks._
7、Settlement Method And Speed Of Funds Arrival
_ _ Bank Pos Machine:_
Mostly adopts t+1 settlement mode,i.e.,the funds will arrive at your account on next working day after transaction completion._
_ _Payment Company Pos Machine :__
Supports t +0 instant arrival mode(additional fees required)in addition to regular t +n modes .This feature makes it more attractive especially when quick access into cash flow needed .
8、Target Users
__Bank PoS Machines Are More Suitable For Large Enterprises Or Established Businesses With Stable Operations While Those Provided By Third Party Payments Are Better Choices For Small Micro Merchants Or Individuals Who Need Flexible Solutions.__
In summary,both types have their own advantages depending upon specific needs.Banks are better suited if you prioritize low costs & high security whereas third party providers offer greater flexibility & convenience particularly catering towards *** aller scale operations requiring fast setup times alongwith multiple diverse ways accepting payments!