If it is a merchant payment code applied in Alipay, the general payment code rate is 0.55%. However, merchants do not need to withdraw the handling fee. Sometimes Alipay will also launch some activities to reduce the payment code rate of merchants. Generally, if the amount is less than 150 yuan, there is no need to pay the handling fee. Compared with merchants, opening the QR code of Alipay merchants can get more customers, so even if there is a handling fee, it needs to be opened. After opening, it is convenient for many customers and helpful to myself.