For general card consumption, banks only charge handling fees from merchants and do not charge handling fees from cardholders (i.e. consumers). The proportion of card swiping fees varies according to industry, turnover and other conditions, but is generally between 0.5-3.

Credit card merchant handling fee standards are as follows:

1. Category 1 merchants: Category 1 merchants mainly include catering, entertainment, jewelry, handicrafts, etc., and the handling fee rate is between Between 2 and 2.5.

. Second-category merchants: Second-category merchants mainly include real estate, car sales, and wholesale. The handling fee rate is 1.

3. Three types of merchants: The three types of merchants mainly include airline ticketing, refueling, and supermarkets. The general handling fee rate is 0.5 to 1.

4. Four types of merchants: The four types of merchants mainly include public hospitals and public schools. General handling fee rates vary depending on the region.

5. Five types of merchants: The five types of merchants include general merchants, and the handling fee rate is 1 to 3.

According to the "Notice of the National Development and Reform Commission and the People's Bank of China on Improving the Pricing Mechanism for Bank Card Swipe Fees", the adjusted rates for bank cards include:

1. Acquiring The link service fee is subject to market-adjusted prices; the specific rate is determined by the acquirer and the merchant through negotiation

2. The card issuing bank service fee: no more than 0.45 of the transaction amount; credit card transactions are not subject to a single cap control .

3. The network service fee rate: shall not exceed 0.065 of the transaction amount, regardless of debit and credit cards, and the charge amount for a single transaction shall not exceed 6.5 yuan.