(1) Reduce the service fee rate of the issuing bank. At present, the service fees charged by card issuers are subject to government pricing according to different merchant categories. Debit cards and credit cards (including quasi-credit cards, the same below) are subject to the same rate, regardless of merchant categories, and government-guided prices and upper limit management are implemented. Debit cards and credit cards are charged differently. For debit card transactions, the rate level is reduced to 0.35% of the transaction amount, and for credit card transactions, the rate level is reduced to 0.45% of the transaction amount.

(2) Reduce the network service fee rate. The network service fee charged by the bank card clearing institution is changed from the current government pricing that distinguishes merchant categories to not distinguishing merchant categories, and the government-guided price and upper limit management are implemented, which are charged to the acquiring institution and the card issuing institution respectively. The rate level is reduced to no more than 0.065% of the transaction amount, and the card issuer and the acquirer each bear 50% (that is, the rate charged to the card issuer and the acquirer respectively does not exceed 0.0325% of the transaction amount).

(3) Adjust the control measures for capping the service fees of issuing banks and network services. The service fee charged by the card issuer shall not exceed 13 yuan for a single debit card transaction, and the credit card transaction shall not be subject to the single charge capping control. The network service fee charged by the bank card clearing institution does not distinguish between debit card and credit card, and the single charge amount does not exceed that of 6.5 yuan (that is, when charging fees from the acquiring institution and the card issuing institution respectively, the single charge amount does not exceed 3.25 yuan).

(four) to implement preferential measures for some merchants' service fees and network service fees. 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 are fully reduced; During the two-year transition period after the formal implementation of the adjustment measures for credit card fees, in accordance with the principle of maintaining the overall stability of the rate level, the card issuers will be given service fees and network service concessions for credit card transactions of supermarkets, large warehouse stores, water and electricity payment, refueling and transportation ticketing businesses.