Credit card holders do not need to pay the handling fee when they go to the pos machine, but the merchant pays the handling fee. The handling fee rate is as follows:
1. When swiping a card at a general merchant, the handling fee is 0.7% of the swiping amount.
2. When swiping cards for restaurants, entertainment, hotels, jewellery and handicrafts, the handling fee is 65438+ 0.4% of the swiping amount.
3. When a real estate or automobile sales merchant swipes a card, the handling fee is 0.7% of the amount of the card swiped, and the upper limit of the handling fee is 40 yuan.
4. When swiping a card at a wholesale merchant, the handling fee is 0.7% of the swiping amount, and the upper limit of the handling fee is 16 yuan.
5. When swiping a card in a supermarket or gas station, the handling fee is 0.35% of the swiping amount.
Six, in public schools and public hospitals, banks do not charge.
Use your ID card to run a pos machine and swipe your credit card. How does this affect your credit card? Let's not talk about anything else. Let's clarify the process of fund settlement first: 1. Nowadays, many pos machines take cash in seconds. But in fact, these funds don't go directly to our account, that is to say, after each brush, the money usually goes to the cooperative bank or other acquiring institutions in advance. Money can only flow to us through this process.
So how does the money flow after the credit card is swiped?
First of all, they all flow into the UnionPay reserve account in a unified way. Wait until the next day, that is, after the second working day, these accounts are settling the amount for the merchants of pos machines. This is actually like a wall, blocking the information of both sides. In other words, there is no connection between the credit card issuer and the settlement bank, and neither party can see the transaction information of the other party.
Generally speaking, pos will automatically assign us a merchant, that is, the system will automatically match us after swiping the card. Generally speaking, there are businesses with points, such as restaurants, entertainment, hotels and other businesses that we are familiar with. In this case, it is of great help to Ting Er, because the information received by UnionPay and the bank shows that the consumption of these cardholders is real consumption, with high points, which is of great help to Penguin. In this case, you don't have to worry about this or that at all, just hold the card brush.
Credit cards belong to bank cards, but pos machines belong to third-party payment companies, and information does not flow between them. In other words, the bank can't see who is the owner of the pos machine at all, and the payment company doesn't know who is the cardholder. So it is no problem to swipe your credit card with your own pos machine. But when you swipe your card, you must remember one thing, that is, when looking for machines, you must look for those clean machines, and never look for those messy machines. In that case, the harm will be great. For example, if you spend money here sometimes, his bill will appear there, and such a problem will arise. For example, you slept in a hotel for one night, but the bill was printed out, and you spent some medicine in the hospital. This seems very wrong, so try not to do so to avoid unnecessary danger, and don't let the bank's risk control system catch you.
Finally, I want to say that in principle, it is no problem to swipe a credit card with a pos machine run by an ID card. When we usually swipe our cards, we should also spend reasonably, be clear about our financial situation and not spend money indiscriminately. Only by swiping the card reasonably can the credit card limit be increased.
If you can check the credit big data, you'd better check it. Take good care of your credit at ordinary times, so that you won't be rejected when you apply for a card!
Pos card processing fee
Pos card swiping-handling fee = actual card swiping rate. For example, if the user spends 10000 yuan, and the debit card rate of China Bank is 0.5%, then the handling fee = 100000.5% = 50 yuan. According to the preferential policy of capping, A needs to pay 20 yuan handling fee, and the credit card rate of China Bank is 0.6%. Then,
At present, there are several rates for POS machines. How much is the handling fee for swiping a card with a POS machine? It depends on what payment channel you choose to settle the transaction. It is 0.6% if you swipe your card, and 0.38% if you scan the code or QR code. How to scan the code or China UnionPay Express Pass 0.38%. The rates of different POS machines are different. The use of merchants' POS machines, electronic POS machines and other large machines and tools will be charged at the standard rate of 0.6% for swiping cards and 0.38% for scanning codes, and 0.38% for China UnionPay Express (10,000 yuan).
The rate of POS machines is interval, and many users always like low-rate consumption, just to save a few dollars in handling fees. But do you know that the state stipulates that the minimum rate of POS machines shall not be less than 0.55%? On the one hand, banks can't make money; On the other hand, low rates are easy to skip codes, which leads to risk control and great risks. If you want to protect your card security, you'd better use the rate of about 0.60%, which is the most reliable, stable and unanimously recognized rate in the industry.
According to official website of various banks, the pos rates charged by debit cards and credit cards of banking institutions are as follows:
1, 0.5% ~ 0.6% for China Bank;
2. Agricultural Bank 0.5%, Industrial and Commercial Bank 0.6%, 17 0.5%, China Construction Bank 0.6% and Bank of Communications 0.5%;
3. Postal Savings Bank capped 0.5% ~170.55%;
4. CITIC Bank 0.5%~ 18 capped 0.55%, Minsheng Bank 0.45%~20 capped 0.55%;
5. Guangfa Bank capped 0.5%~ 17 by 0.6%.
According to the bank information, the pos charge rate of debit cards is mostly 0.5%, among which Minsheng Bank is even lower, at 0.45%, and the pos charge rate of credit cards is usually about 0. 1% higher than that of debit cards, mostly at 0.6%. Users should note that compared with debit cards, credit cards have no preferential policy of capping fees.
There are currently three credit card interest rates:
1, standard: 0.6%
Standard category: the handling fee rate of ordinary merchants and users, that is, the standard rate, only needs 0.60% for swiping cards;
2. Preferential type: 0.38%
The issuing bank charges 0.325%, and UnionPay charges 0.0325% (from the issuing bank and the payment institution respectively), so the fee for the relief category is generally 0.38%-0.48%.
3. Public welfare type: 0 rate
Hospitals, schools, nursing homes and other public places are exempt from formalities.
How much is the credit card pos fee?
Different pos machines have different charging standards.
1. If smart pos machines pay by QR code, the handling fee is generally 0.38%, which is the same as that of traditional pos machines.
2. The mobile phone pos machine is connected with the pos machine through Bluetooth for consumption, and the handling fee for this credit card consumption mode is generally 0.68%3 yuan/pen.
3. The standard handling fee for traditional pos machines is 0.6% for credit card swiping, with a maximum of 20. If you use a credit card in supermarkets, gas stations and other preferential merchants, the handling fee is 0.38% of the credit card, with a maximum of 18. There is no charge for swiping cards in public hospitals, schools and other places.
apply for
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, legal persons can also act as applicants.
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. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
check
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
hairpin
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Activate bank card
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.
At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
How much is the handling fee for pos card swiping?
The rate of each POS machine in the market is different, and most of them are 6%, which means 6 yuan 100.
Merchant collection rate is divided into three categories:
First, the traditional POS machine
1. 0.6% for standard credit card and 0.5% for debit card, with a maximum of 20 caps.
2. Preferential category, such as credit card consumption in supermarkets, gas stations and other places, the handling fee is 0.38% for credit card and 0.4% for debit card, with a maximum of 18.
3. Public welfare, such as spending money in public hospitals and schools, does not require formalities.
2. Intelligent POS machine
The charges of smart POS machines are the same as those of traditional POS machines, except that smart POS machines can also pay by QR code, and the handling fee for QR code collection is generally 0.38%.
3. Mobile phone POS machine
In fact, the mobile phone POS machine is connected to the POS machine through the Bluetooth of the mobile phone for credit card consumption, and the credit card processing fee of the mobile phone POS machine is generally around 0.6% 3/ pen.
: How to choose a POS machine
Choose POS according to different needs
Many users like to use low-priced POS, thinking that low fees can save a lot of fees. In fact, what kind of POS they use depends on their credit card demand.
Some card friends require credit card to complete the credit card task, and no annual fee is charged; Some card friends want to take points to participate in activities in exchange for preferential gifts, and some card friends want to improve the quality of consumption and credit card limit. For this kind of users, it is recommended to choose a POS with a rate of about 0.60%. There are points in credit card transactions. After obtaining certain benefits, the issuing bank is willing to help you increase the amount of the card and avoid reducing the amount or even sealing the card.
For cardholders with less demand for POS machines, it is normal to spend some cash from time to time every month, so there is not much demand for the rate. You can choose the fast and static code analysis modes. As long as the funds arrive safely, plus shopping, eating and paying utilities at ordinary times, it is not only normal, but also enriches the bill. Anyway, no one asked you to spend points in the business.
Depending on the frequency of using POS.
For high-frequency credit card users, you can choose a regular one-time POS with standard rate. If you lose points or reduce your credit in order to save some handling fees, it will not be worth the loss! After all, you didn't swipe your card to save money.
For users with low credit card frequency, you can save money and choose a lower one on the premise of safe funds, but you should pay attention to "there is no free lunch in the world", and there is no regular POS with zero rate! After all, any service behavior needs to be supported by economic foundation.
In the face of those POS with ultra-low rate or even zero rate, we should be vigilant!
How to calculate the handling fee of credit card pos?
Different pos machines have different charging standards.
1. If smart pos machines pay by QR code, the handling fee is generally 0.38%, which is the same as that of traditional pos machines.
2. The mobile phone pos machine is connected with the pos machine through Bluetooth for consumption, and the handling fee for this credit card consumption mode is generally 0.68%3 yuan/pen.
3. The standard handling fee for traditional pos machines is 0.6% for credit card swiping, with a maximum of 20. If you use a credit card in supermarkets, gas stations and other preferential merchants, the handling fee is 0.38% of the credit card, with a maximum of 18. There is no charge for swiping cards in public hospitals, schools and other places.
Other provisions:
1.After the fee reform of 65438+96 in 2006, the central bank formulated a unified charging standard for credit cards, that is, the charging standard for credit cards was 0.6% of the standard category. For example, if we cash in 10000 yuan, then the handling fee is 10000.6% = 60 yuan.
2. The above are the standard types of merchants, including preferential relief and public welfare.
According to the current unified rate policy, the credit card rate of preferential merchants is 0.38%-0.48%, and that of public welfare merchants is 0.
When we cash out, we determine the credit card rate according to the specific merchant type code, that is, MCC code. Generally, we can see it on the printed transaction documents after swiping the card on the POS machine. There is a string of 15 merchant numbers on the transaction receipt, in which the 8th-11is MCC code.
For example, if the MCC code is 58 13, then the representative business type is leisure drink places (bars, pubs, coffee shops, cafes, teahouses), and the business classification is catering and entertainment, and the credit card rate is 0.6%.
POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.
Fixed POS machine
The advantages are:
1, software upgrade and maintenance is relatively easy;
2, network dialing mode, fast dialing speed;
3. It is easier to clear POS transactions.
Disadvantages: online operation is required, and guests need to pay at the cashier.
Merchants suitable for integrating transformation projects.
How much is the handling fee for pos card swiping?
The handling fee charged by POS machines for swiping cards 1 10,000 yuan is as follows: standard merchants: 0.6% for swiping cards, and 60 yuan handling fee is charged for swiping cards 1 10,000 yuan; The handling fee rate of the savings card is 0.5%, and the 20 yuan (capped) fee will be charged for 10,000 yuan. Preferential merchants: the credit card rate is 0.38%, and the 38 yuan handling fee is charged for swiping 1 10,000 yuan; The handling fee rate of the savings card is 0.4%, and the charge is 1 ten thousand yuan handling fee 18 yuan (capped). Public welfare: there is no handling fee for credit card and savings card consumption.
Because the types of merchants are different, the proportion of handling fees is also different. The handling fee for the savings card is 0.5%. Ordinary savings cards are directly capped in 25 yuan. If you swipe your card 1 10,000 yuan, it will not be deducted after reaching the handling fee in 25 yuan, so the final handling fee is 25 yuan. However, the handling fee for deducting 10,000 yuan from the pos machine depends on what card the consumer swipes. The handling fee for a credit card is 0.6%, so the handling fee for 60 yuan needs to be deducted 10,000 yuan.
There is a certain discount of 0.38% for the handling fee of preferential merchants. For example, large supermarkets and gas stations can handle such preferential POS machines and need corresponding business licenses. If you swipe your card 10000 yuan, 38 yuan's handling fee will be deducted.
If you swipe your card in a school or government department, what is the handling fee for pos machine deduction 1 10,000 yuan? Because this kind of business has zero handling fee, there is no handling fee for each swipe, no matter how much. This kind of business is indeed more cost-effective, but it is not often consumed.
The handling fees for bank pos machines are as follows:
Bank of China: The standard debit card pos charge rate is 0.5%-20%, and the credit card charge rate is 0.6%.
Agricultural Bank of China: the standard debit card pos credit card rate is 0.38%- 16, and the credit card rate is 0.38%.
Industrial and Commercial Bank of China: The standard debit card pos charge rate is: 0.5%-20 cap, and the credit card charge rate is 0.5%.
China Construction Bank: The charging standard of standard debit card pos card is: 0.5%-20 caps, and the charging standard of credit card is 0.3%.
Bank of Communications: The charging standard of standard debit card pos card is: 0.5%-20 caps, and the charging standard of credit card is 0.6%.
Ping An Bank: The charging rate of standard debit card pos machine is 0.335%- 19.75, and the charging rate of credit card is 0.633%.
So much for the introduction of how the pos machine recharges the credit card.