Pay the machine usage fee. However, the purchase, installation and maintenance of card swiping machines all require costs, and banks will allocate and charge these costs. As part of the business model, cardholders need to pay a certain fee when applying for a credit card, which also includes the usage fee of the card swiping machine. wait. The card swiping machine is referred to as a POS terminal. The terminal first sends the information to the UnionPay platform through dialing on the telephone line.