According to the regulations of the bank, no matter online or offline, there is a handling fee for overdraft consumption by credit card. The reason why there is no handling fee for our daily overdraft consumption is because merchants bear the cost in most consumption scenarios.
However, many card friends pay by credit card when shopping in Taobao, which requires a handling fee. Then, how much is the handling fee?
The handling fee is 65438+ 0% of the total goods. Who will bear the cost? This needs to be analyzed in two situations:
1, Taobao seller opens credit card payment function.
Credit card holders do not need handling fees when spending in the store, and the handling fees are borne by the seller;
2. Taobao sellers did not open the credit card payment function.
The handling fee is borne by the buyer. If the buyer doesn't want to bear it, it is recommended to change to a savings card or Alipay.
What about the handling fee if there is a refund?
Because the credit card service is real-time settlement after the buyer confirms the receipt, the handling fee is deducted before the buyer confirms the receipt; Refund after confirmation of receipt, service fee is not refundable.
How does Taobao open credit card payment? Seller's operation guide
In short, the handling fee of Taobao credit card is 65438+ 0% of the total goods. If you don't want to bear the cost, I suggest you choose other payment methods, such as savings card, Alipay balance or other quick payment methods.