Standard merchant handling fee and preferential merchant handling fee. Standard merchant handling fee: the standard merchant's credit card rate is 0.6%, and 60 yuan is charged as handling fee for each credit card 1 10,000 yuan. The handling fee rate of the savings card is 0.5%, and the maximum handling fee will be capped in 20 yuan.

Handling fee of preferential merchants: the credit card rate of preferential merchants is 0.38%, the savings card rate is 0.4%, and the highest handling fee is 18 yuan.