Yes, there is a handling fee.

The Measures for the Administration of Bank Cards have corresponding provisions on it:

Article 25 The following profit-sharing ratios shall be implemented for inter-bank transactions:

(1) In cities without information exchange centers, the settlement fees received from merchants shall be distributed according to the ratio of 91% for the issuing bank and 11% for the acquiring bank; Commercial banks can also conduct inter-bank transactions through negotiation, sharing machines and tools, acting as agents and not charging each other.

(2) In cities with established information exchange centers, the settlement fees received from merchants shall be distributed according to the ratio of 81% for the issuing bank, 11% for the acquiring bank and 11% for the information exchange center.

extended data:?

relevant provisions of the measures for the administration of bank cards:

article 32 depositors shall not open basic account in multiple banking institutions in violation of the provisions of these measures. Depositors are not allowed to open general deposit accounts in several branches of the same bank.

depositors are not allowed to transfer to basic account because the bank where the account is opened strictly enforces the system and discipline. The People's Bank of China shall not issue an account opening permit to depositors who transfer to basic account for the reasons mentioned in the preceding paragraph.

article 34 the depositor's account can only handle the depositor's own business activities, and it is not allowed to rent or transfer the account. Credit cooperatives shall not go beyond the prescribed business scope and open accounts for depositors.

Baidu Encyclopedia-Measures for the Administration of Bank Cards