The calculation of handling fees for credit card purchases involves various factors. First of all, POS machine fee rates range from 0.5% to 4%, which means that merchants need to pay this fee to the bank or payment processor for every card transaction. It is worth noting that the specific rates of handling fees will vary depending on the merchant type.

The handling fee in the retail industry is generally between 0.8% and 1%, which means that when purchasing goods, this part of the fee is included in the price of the goods, and consumers do not need to bear additional costs. The handling fee in supermarkets is relatively low, usually 0.5%, while the handling fee in the catering industry is higher, usually 2%. This means consumers may see a small portion of the total included as a fee when making a purchase at a restaurant.

It is important to make it clear that this handling fee is a fee between the merchant and the bank, and consumers do not need to worry about this additional expenditure when making actual purchases. Understanding these rates can help consumers make clearer budgets and decisions when shopping.