The so-called credit card set code refers to the fact that some merchants use POS machines that do not conform to their own nature to reduce the credit card processing fee in order to avoid the corresponding credit card processing fee. For example, if you are a catering merchant, but you use a public service POS machine, the handling fee for each transaction will be reduced from 1.25% to 0%.

Moreover, whether the user can enjoy the points is determined by the merchant POS machine. Due to the different opportunities of POS machines, different merchant codes need to pay different credit card fees, such as catering and entertainment 1.25%, department store 0.78%, supermarket 0.38% and public welfare 0%.

Generally speaking, spending on public welfare POS machines will not earn points, nor will it help to increase the quota.

How to judge whether a merchant has a code group?

To know the merchant code, just look at the special merchant number on the credit card! After swiping the card, the POS will issue a purchase order with merchant number 15. The top three acquiring institutions are acquiring institutions, representing 4-7 regions, and 8- 1 1 is commercial. Cardholders should pay attention to the 4 digits of 8- 1 1. If the merchant has a "set of codes", there is something wrong with these four digits. The number on this purchase order is 54 1 1, which is the commodity code of the supermarket, which is consistent.

Let me give you a brief introduction. The code is 58 12, which is easily marked as 58 14 (fast food) and sometimes as 54 1 1 (supermarket). There is also a batch number 5998, which needs special attention. If you don't shop in a wholesale merchant, this code is likely to be a "set of codes".