There is no handling fee for swiping the card.

When you go to spend, you are asked to charge a handling fee. Don't buy it. This is unreasonable consumption.

The Measures for the Administration of Bank Card Receipt formulated by the People's Bank of China stipulates that it is illegal for cardholders to charge extra fees in disguised form by using bank cards (including credit cards). Consumers can complain about the irregularities of businesses.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card issued by a bank to give cardholders a certain credit limit, within which they can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Terms in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Excuse me, is there a handling fee for swiping a credit card?

According to the regulations on the use of credit cards, whether online or offline, credit card consumption is charged, but this fee may not be borne by the seller, but it may also be borne by the buyer. If the seller has opened the credit card payment, the seller will pay the handling fee, if not, the buyer will pay it. If you use a credit card on Taobao and don't want to pay the handling fee of 1%, you won't be charged as long as you change the payment method to savings card or Alipay balance payment.

For more information, is there a handling fee for swiping a credit card? Go to: See more.

How to deduct the handling fee for credit card swiping? It will be clear after reading it.

Nowadays, many people have set up credit cards for daily consumption, but some people don't need a handling fee to swipe their cards, and some people are detained. Then how to deduct the handling fee for credit card? Today, we will briefly introduce the cost of credit card swiping, and interested friends can take a look together.

How to deduct the handling fee for credit card swiping?

Credit card fees are usually borne by merchants, that is, the fees are deducted from the consumer's credit card amount, and the remaining money is the actual amount of the merchant's account. But sometimes when the credit card amount is relatively large, some businesses are not very willing to let consumers swipe their credit cards. If they want to swipe their cards, they need to bear the handling fee.

The specific handling fee collection method is related to the amount of credit card and the way of credit card. There are two ways of credit card: direct credit card swiping and flash credit card swiping, in which direct credit card swiping refers to card insertion or credit card spending, and flash credit card swiping refers to placing the credit card near the POS machine or binding the mobile phone WeChat or Alipay to pay, with different credit card rates.

1. Direct credit card swiping: UnionPay POS machines charge according to the standard rate, while third-party POS machines charge according to the higher rate and single service fee. No matter how much money is spent, the rate is implemented according to a standard rate.

2. Flash payment credit card: Flash payment credit card has the function of small amount double exemption. By default, transactions not exceeding RMB 65,438+RMB 0,000 are executed at the preferential interest rate. If the transaction exceeds 65,438 yuan+0,000 yuan, it will be charged according to the standard rate, and there will be a situation where it is obviously a credit card method, but the handling fee deducted is different.

In addition, if the handling fee is borne by the merchant, although consumers don't have to be charged, if they can't repay in full, there will be an installment handling fee. Different from the charging standard of credit card deduction, the specific rate is related to the number of installments, and the rates of different banks are different.

The above is the introduction of "how to deduct the credit card handling fee", and I hope it will help everyone.

Is there a handling fee for paying by credit card?

Credit card payment merchants will be charged a handling fee. Because this is also a major source of income for the issuing bank, according to the Notice on Optimizing and Adjusting the Handling Fee of Bank Card swiping, the transaction of bank card swiping is divided into four categories: catering and entertainment, general, people's livelihood and public welfare, among which catering and entertainment have the highest handling fee, while people's livelihood is drunk.

One of the ways to use credit cards is that manual bookkeeping is usually used when there is no POS machine or no Internet connection. The pressing operation must have a pressure-sensitive copy of the Direct Purchase Order (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine. Then, the operator prints the name, etc. Note the credit card on the purchase order with a card press, and write down the amount, date and other information, then call the authorization hotline of the acquiring bank, report the card information to apply for authorization, write the obtained authorization code on the purchase order, and the cardholder will sign it after confirming it is correct. After checking the signature, the operator gives the cardholder a copy of the credit card and the order form. At this point, the manual pressing procedure is completed. Authorized calls are usually made immediately. In some areas with poor communication or good credit discipline, merchants will encounter the situation that they will deliver the goods after signing the card to complete the transaction.

In addition, pre-authorization is also used to pay the deposit, that is, a part of the available amount of the credit card is frozen as the deposit. The process of pre-authorization is similar to manual bill pressing, but the content of the phone call is to ask for the pre-authorization of the corresponding amount, not to ask for money or to press the bill, but to issue a deposit receipt certificate. General pre-authorization will be cancelled by the merchant at the time of checkout. If the merchant forgets to cancel, he can call the merchant to ask for cancellation, but he can't call the authorized institution to cancel himself. From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information. When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment.

So much for the introduction of credit card consumption deduction.