Credit card swipe fees are paid by the merchant, not the cardholder. When a cardholder uses a credit card for consumption at a merchant, the merchant needs to pay a certain card swiping fee to the bank so that the bank can provide credit card consumption services to the cardholder. Card swiping fees are one of the costs incurred by banks in providing credit card consumption services to cardholders, and are also one of the important sources of bank profits. The bank will use the credit card processing fee for operating costs in credit card issuance, bill management, customer service, etc., and will also obtain a certain amount of profit from it.