1. If the merchant is a first-class merchant, the handling fee is between 2% and 2.5%;
2. If it is a second-class merchant, the handling fee is1%;
3. If it is a third-class merchant, the general handling fee rate is 0.5% to1%;
4. If it is a four-type merchant, the general handling fee rate varies according to different regions;
5. Five types of merchants include general merchants, and the handling fee is between 1%-3%.
I. Credit card
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.
Second, the credit card repayment method
1. In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone Micro-silver POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
3. Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
4. Online repayment The common online platforms in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
5. Counter repayment refers to bank cards issued by various networked financial institutions, and RMB current deposit and withdrawal transactions are conducted through counters of other bank outlets registered in the host system of UnionPay Trading Center.
6. Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.