Handling fee standard: standard merchant: the handling fee for card swiping is charged at 0.6% of the transaction amount. Similar businesses include department stores, restaurants, entertainment and other industries. Preferential merchants: the card processing fee is charged at 0.38% of the transaction amount. Similar merchants include large supermarkets, gas stations and other merchants.

If you spend money in schools, hospitals, public facilities and other places, because these places are public welfare, they are all free, which means there is no handling fee for credit card transactions in these places.

After accepting customers' credit cards, stores have to pay 2% to 3% handling fees to banks and credit card centers. It's called a credit card fee. 20 12, 1 10, the central bank issued the Notice of the People's Bank of China on Doing a Good Job in the Adjustment and Implementation of the Standard of Card-swiping Fees, stating that this fee reduction only involves domestic bank card consumption transactions, and the Regulations on Merchants' Card-swiping Fees implemented in 2003 shall be abolished at the same time from February 25, 2003.

After accepting the customer's credit card, the special store has to pay 2% to 3% handling fee to the bank and credit card center. In order to save costs, some manufacturers will ask cardholders to pay extra handling fees, because credit cards must be invoiced, which makes it impossible for shops to evade taxes.

Across the country, UnionPay cards are used for credit card consumption, and cardholders do not charge any handling fees regardless of different places. After credit card consumption, the settlement parties are banks and merchants. According to the relevant agreement when installing the credit card machine, the merchant has to pay a certain percentage of the handling fee to the bank. Therefore, if the cardholder is asked to add a handling fee when spending by credit card, the cardholder has the right to refuse and complain to the customer service hotline of China UnionPay.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

How to calculate the charge for credit card swiping?

Specific calculation formula: credit card service fee = credit card rate × credit card amount.

1. Credit card handling fee is usually the fee paid by merchants to banks and third-party institutions, that is, it is deducted from the cardholder's card amount, and the rest is the amount actually received by merchants. Some merchants will refuse to swipe their cards unless the cardholder voluntarily bears the handling fee, so it is necessary to understand the charging standard and algorithm of the handling fee for swiping cards.

2. The general credit card service fee is determined by the POS credit card rate and card amount. The rate of traditional credit card and flash payment is different. If you swipe your card in the traditional way, such as inserting the card directly into the POS machine, the standard rate is 0.6%; Flash payment, 0.38% below 1000 and 0.6% above 1000.

1. Shops need to pay 2-3% handling fee to banks and credit card centers after accepting customers' credit cards. This is called credit card handling fee. 20 12,110/0, the central bank issued the Notice of the People's Bank of China on Implementing the Adjustment of Credit Card Processing Fees, saying that this fee reduction only involves domestic bank card consumption transactions. On February 25th, 20 13, the Regulation on Merchants' Credit Card Fees implemented in 2003 was abolished at the same time, and the overall credit card rate was lowered by 23% to 24%.

2. After accepting customers' credit cards, specialty stores should pay 2-3% handling fees to banks and credit card centers. In order to save costs, some manufacturers will ask cardholders to pay extra fees, because credit cards must be invoiced, so stores can't evade taxes.

3. According to the current income distribution method of inter-bank transactions of bank cards of China UnionPay network access institutions, the settlement fees of bank card acquiring business are borne by merchants, but the rates implemented by different industries are different, ranging from 0.5% to 4%. Generally speaking, the credit card rate of retail industry is 0.8%- 1%, that of supermarket is 0.5%, and that of catering industry is 2%.

4.20 12,11June, the central bank issued the Notice of the People's Bank of China on Practically Adjusting and Implementing the Standard of Credit Card Fees, stating that the fee reduction only involved domestic bank card consumption transactions, and the merchant credit card service fee implemented in 2003 was cancelled at the same time from February 25th, 20 13, and the overall credit card rate decreased by 20%.

5. The central bank notified the bank card processing fee standard shown in the annex to maintain the differentiated pricing of the current card processing fee industry. Industry classification is mainly divided into four categories: catering and entertainment, comprehensive, people's livelihood and public welfare. The overall decline was 23% to 24%, of which catering and entertainment decreased by 37.5%.

6. The first category is catering and entertainment, including catering, entertainment, jewelry, handicrafts, real estate and automobile sales. The comprehensive rate decreased from 2% to 1.25%, a decrease of 37.5%. Among them, the service fee of the issuing bank is 0.9%, the network service fee of the bank card clearing institution is 0. 13%, and the benchmark price of the acquiring service fee (which can fluctuate up and down 10%) is 0.22%. The unit price of real estate and automobile sales has increased from the original10 yuan to 80 yuan.

7. The second category is general, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots tickets, etc. , the comprehensive rate was reduced to 0.78%, including 0.55% for the service fee of the issuing bank, 0.08% for the network service fee of the bank card clearing institution, and 0.15% for the benchmark price of the service fee for acquiring.

8. The third category is people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity payment, refueling, transportation ticketing, etc. , the overall rate is 0.38%. The fourth category is hospitals, education and other public welfare categories with zero interest.

How much is the handling fee for credit card merchants?

The handling fee for credit card swiping is agreed by the bank and the merchants who use POS machines to swipe their cards, and the bank charges the merchants a handling fee of 2%~3% of the swiping amount. This credit card processing fee is only for merchants, not for consumers. Consumers don't have to pay a handling fee for credit cards. After accepting customers' credit cards, stores have to pay 2% to 3% handling fees to banks and credit card centers.

There is a merchant handling fee for swiping a credit card:

1. The first category is catering and entertainment, including catering, entertainment, jewelry, arts and crafts, real estate and automobile sales. The overall rate is 1.25%, of which 0.9% is the service fee of the issuing bank, 0. 13% is the network service fee of the bank card clearing institution, and the benchmark price of the bill collection service fee is 0.22%.

2. The second category is general category, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots tickets, etc. , and the overall rate is lowered to 0.78%, including 0.55% for the service fee of the issuing bank, 0.08% for the network service fee of the bank card clearing institution and 0. 15% for the collection service fee. At the same time, the wholesale category in 26 yuan is capped.

3. The third category of the new bank card processing fee standard is people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity payment, refueling, transportation and ticket sales. The overall rate is 0.38%.

4. The fourth category is hospitals, education and other public welfare categories with zero rates.

5. 20 12, 1 1, The Notice of the People's Bank of China on Doing a Good Job in Adjusting the Standard of Credit Card Fees, issued by the Central Bank, stated that the fee reduction only involved domestic bank card consumption transactions, and the merchant credit card fees implemented in 2003 were abolished at the same time from February 25th, 20 13, and the overall credit card rate was reduced by 20%. After accepting the customer's credit card, the special store has to pay 2% to 3% handling fee to the bank and credit card center. In order to save costs, some manufacturers will ask cardholders to pay extra handling fees, because credit cards must be invoiced, which makes it impossible for shops to evade taxes. According to the current Measures for Income Distribution of Bank Card Interbank Transactions of China UnionPay Network Access Institutions, all settlement fees of bank card acquiring business are borne by merchants, but the rates implemented by different industries are different, ranging from 0.5% to 4%. Generally speaking, the charge standard of credit card in retail industry is 0.8%- 1%, supermarket is 0.5%, and catering industry is 2%.

How to calculate the handling fee for swiping a credit card?

The handling fee for swiping a credit card is 1%-2.5% paid by the merchant to UnionPay, and no personal responsibility is required. It is illegal for merchants to let consumers bear the handling fees themselves. If the merchant asks the consumer to pay the handling fee himself, the consumer can refuse and complain to the UnionPay customer service center.

For POS merchants, the transaction fee of UnionPay card will be deducted for each transaction; For general supermarkets, 0.38% will be deducted; For general merchants, 0.78% will be deducted; Jewelry, catering and entertainment business, deducting1.25%; And for merchants in the wholesale market, 0.78% will be deducted, regardless of credit cards and debit cards. It is the same standard.

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Precautions for credit card use:

Don't be too early: try not to swipe your card before 9: 00 am, because according to common sense, most shops are not open yet.

Don't be too late: 1 1 Try not to swipe your card in the evening, because according to common sense, most shops are closed and online transactions are not affected by time.

Don't brush integers: don't brush integers such as 10000, 5000, etc., and try not to use decimal points every time you swipe your card. The amount of swiping your card should not be repeated or regular.

People's Network-Who pays the handling fee for swiping a credit card in a 4S shop?

Baidu encyclopedia-credit card handling fee

How do merchants charge for credit cards?

Whether you swipe your card on a pos machine or pay by credit card on WeChat, merchants have to pay a handling fee.

As for the charging standard, the standard merchant: the charge for swiping the card is 0.6% of the transaction amount, and similar merchants include department stores, restaurants, entertainment and other industries. Preferential merchants: the card processing fee is charged at 0.38% of the transaction amount. Similar merchants include large supermarkets, gas stations and other merchants.

If you spend money in schools, hospitals, public facilities and other places, because these places are public welfare, they are all free, which means there is no handling fee for credit card transactions in these places.

WeChat payment is a payment function integrated in WeChat client, and users can complete the fast payment process through mobile phones.

Wechat payment provides users with safe, fast and efficient payment services, based on fast payment of bank cards.

Support payment scenarios: WeChat public platform payment, APP (third-party application mall) payment, QR code scanning payment, credit card payment, the user displays the barcode, and the merchant completes the payment after scanning.

Users only need to associate a bank card with WeChat and complete the identity authentication, then they can turn the smartphone with WeChat app into a universal wallet, and then they can purchase the goods and services of the cooperative merchants. When paying, the user only needs to enter the password on the smart phone, and the payment can be completed without any swiping steps. The whole process is simple and smooth.

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Wechat supports fast sending of free voice messages, videos, pictures and texts across communication operators and operating system platforms. At the same time, you can also use service plug-ins such as "shake", "circle of friends", "public platform" and "voice notepad" to enjoy streaming media content through * *.

By the second quarter of 20 16, WeChat had covered more than 94% of smartphones in China, with 806 million monthly active users.

Wechat provides public platform, friends circle, message push and other functions. Users can add friends and pay attention to public platforms by "shaking", "searching for numbers", "people nearby" and scanning QR codes. At the same time, WeChat will share the content with friends and share the wonderful content that users see to WeChat friends circle.

On February 4, 20 15, the wechat team announced the punishment rules for plagiarism on its public platform: the first deletion with warning, the second seal for 7 days, the third seal for 15 days, the fourth seal for 30 days, and the fifth permanent seal.

Once found and reported, the WeChat public platform will permanently restore its "original statement" function for malicious illegal acts that do not comply with the rules of the platform and use the "original statement" function indiscriminately, and carry out phased title processing.

In order to promote the WeChat public platform to produce more high-quality original articles, the WeChat public platform has launched the function of "original declaration" to solve the problem of copyright identification of original articles. The first round of public beta is only open to media numbers certified by WeChat.

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In the case that the original article is published by others first, the original author can provide relevant evidence to the WeChat public platform for infringement complaints.

The introduction of credit card merchant handling fee and how to collect credit card merchant handling fee is over. I wonder if you found the information you need from it?