A handling fee is required.

The "Bank Card Management Measures" have corresponding provisions:

Article 25: Inter-bank transactions are subject to the following profit sharing ratio:

(1) In cities that do not have an information exchange center, the settlement fees received from merchants will be distributed in a ratio of 90% from the issuing bank and 10% from the acquiring bank; commercial banks can also conduct inter-bank transactions through negotiation, by sharing equipment, acting as mutual agents, and without charging each other. .

(2) In cities that have established information exchange centers, the settlement fees received from merchants will be distributed in the ratio of 80% to the issuing bank, 10% to the acquiring bank, and 10% to the information exchange center.

Extended information:?

Relevant legal provisions of the "Bank Card Management Measures":?

Article 35 The industrial and commercial administrative departments must strengthen the supervision of credit card-related Standardized management of advertising. Industrial and commercial administrative departments at all levels should remind advertising publishers to strengthen the review of credit card-related advertisements.

Credit card advertisements are not allowed for intermediaries that do not have a business license or are not authorized by the card issuer. Credit card advertisements must not contain "credit card cash withdrawal" and other illegal content that provides credit card processing and cash withdrawal services.

Article 36: The industrial and commercial administrative departments shall investigate and deal with any illegal advertisements discovered in accordance with the law. It is necessary to cooperate with the People's Bank of China and the Ministry of Public Security to increase the investigation of consulting intermediary companies and credit card cash-out merchants that illegally engage in credit card loan business in the name of financial consulting.

Baidu Encyclopedia - "Bank Card Management Measures"