【中文版】

收单牌照是指第三方支付机构在中华人民共和国境内从事收单业务所持有的牌照，由中国人民银行颁发。收单牌照允许持牌机构在中华人民共和国境内从事收单业务，包括但不限于向商户提供信用卡、借记卡等支付服务。

随着中国支付市场的快速发展，越来越多的第三方支付机构开始从事收单业务。这些机构需要申请并获得收单牌照，才能合法地开展相关业务。收单牌照的申请和审核标准非常严格，需要满足一定的注册资本、人员资质、业务规模等条件。

对于消费者来说，拥有收单牌照的第三方支付机构可以提供更加安全、便捷的支付服务。这些机构通常会对商户进行严格的审核，确保商户的真实性和合法性，从而保护消费者的权益。此外，持牌机构还受到中国人民银行的监管，一旦出现违规行为，将会受到严厉的处罚。

然而，一些没有获得收单牌照的机构也在从事收单业务，这些机构通常被称为“二清机”。由于它们没有合法的牌照，存在一定的风险，例如资金安全无法保障、商户信息泄露等问题。因此，消费者在选择使用收单服务时，应该选择正规、有牌照的第三方支付机构。

【英文版】

The collection license refers to the license held by third-party payment institutions in the People's Republic of China to engage in collection business, which is issued by the People's Bank of China. The collection license allows the licensee to engage in collection business within the borders of the People's Republic of China, including but not limited to providing credit card, debit card and other payment services to merchants.

With the rapid development of China's payment market, more and more third-party payment institutions have begun to engage in collection business. These institutions need to apply for and obtain a collection license to legally carry out related business. The application and review standards for collection licenses are very strict, requiring certain registered capital, personnel qualification, and business scale conditions.

For consumers, third-party payment institutions with collection licenses can provide safer and more convenient payment services. These institutions usually perform strict review of merchants to ensure their authenticity and legitimacy, thus protecting consumers' rights. In addition, licensed institutions are also subject to supervision by the People's Bank of China, and in the event of a violation, they will be severely punished.

However, some institutions that do not have a collection license are also engaged in collection business, often referred to as "second-tier machines". As they do not have a legal license, there are certain risks, such as unsecured funds and merchant information leakage. Therefore, when consumers choose to use collection services, they should choose regular, licensed third-party payment institutions.