The service fee of the issuing bank shall not be classified by merchants, and the government-guided price and upper limit management shall be implemented, and the debit card and credit card categories shall be differentiated for charging. The specific rate has also changed. The debit card rate level shall be reduced to no more than 0.35% of the transaction amount, and the single charge amount shall not exceed 13 yuan; Credit card transactions do not exceed 0.45%, and no single capping control is implemented.
Network service fees, whether debit cards or credit cards, are charged to the acquirer and the card issuer respectively. The rate level will be reduced to no more than 0.065% of the transaction amount, and the charge amount of a single transaction will not exceed that of 6.5 yuan, and the acquirer and the card issuer will each bear 50%. That is to say, when charging the acquirer and the card issuer, the single charge amount shall not exceed 3.25 yuan.
For some merchants, the issuing bank service fee and outlet service fee rates are subject to preferential measures. For example, for non-profit medical institutions, educational institutions, social welfare institutions, old-age care institutions and charities, the card-issuing bank service fees and network service fees will be fully reduced.
During the two-year transition period from the implementation of the new regulations, the card-issuing bank service fee and network service fee concessions will be implemented for supermarkets, large warehouse stores, water and electricity payment, refueling and transportation ticketing businesses.
Extended data:
Among the credit card fees in different industries, merchants in catering industry bear the highest rate. After the interest rate cut, Rong Rong Zhi, an analyst of Rong 360, calculated an account. From the comprehensive rate calculation, the rate of catering and entertainment merchants can be reduced by 53% to 63%, which is more than half, benefiting the most, and department stores can be reduced by 23% to 39%.
In addition, people's livelihood originally implemented a service fee of 0.38%, but during the two-year reform transition period, preferential measures will be implemented, which will also help them reduce costs. According to the calculation data of the central bank, the new regulations will reduce the handling fee burden of various merchants by about 7.4 billion yuan every year.
For cardholders, the reduction of merchant fees will undoubtedly bring higher acceptance and better experience. Some analysts said that reducing costs is conducive to promoting more merchants to install POS machines. On the other hand, due to the industry classification, some merchants will violate the "code set" in order to reduce the rate, resulting in the consumption that cardholders can obviously get points becoming non-integral consumption.
Phoenix. Com- The new rules for card swiping fees of bank cards will be implemented on September 6th.