The handling fee charged by POS machines for swiping cards 1 10,000 yuan is as follows: standard merchants: 0.6% for swiping cards, and 60 yuan handling fee is charged for swiping cards 1 10,000 yuan; The handling fee rate of the savings card is 0.5%, and the 20 yuan (capped) fee will be charged for 10,000 yuan. Preferential merchants: the credit card rate is 0.38%, and the 38 yuan handling fee is charged for swiping 1 10,000 yuan; The handling fee rate of the savings card is 0.4%, and the charge is 1 ten thousand yuan handling fee 18 yuan (capped). Public welfare: there is no handling fee for credit card and savings card consumption.
Because the types of merchants are different, the proportion of handling fees is also different. The handling fee for the savings card is 0.5%. Ordinary savings cards are directly capped in 25 yuan. If you swipe your card 1 10,000 yuan, it will not be deducted after reaching the handling fee in 25 yuan, so the final handling fee is 25 yuan. However, the handling fee for deducting 10,000 yuan from the pos machine depends on what card the consumer swipes. The handling fee for a credit card is 0.6%, so the handling fee for 60 yuan needs to be deducted 10,000 yuan.
There is a certain discount of 0.38% for the handling fee of preferential merchants. For example, large supermarkets and gas stations can handle such preferential POS machines and need corresponding business licenses. If you swipe your card 10000 yuan, 38 yuan's handling fee will be deducted.
If you swipe your card in a school or government department, what is the handling fee for pos machine deduction 1 10,000 yuan? Because this kind of business has zero handling fee, there is no handling fee for each swipe, no matter how much. This kind of business is indeed more cost-effective, but it is not often consumed.
The handling fees for bank pos machines are as follows:
Bank of China: The standard debit card pos charge rate is 0.5%-20%, and the credit card charge rate is 0.6%.
Agricultural Bank of China: the standard debit card pos credit card rate is 0.38%- 16, and the credit card rate is 0.38%.
Industrial and Commercial Bank of China: The standard debit card pos charge rate is: 0.5%-20 cap, and the credit card charge rate is 0.5%.
China Construction Bank: The charging standard of standard debit card pos card is: 0.5%-20 caps, and the charging standard of credit card is 0.3%.
Bank of Communications: The charging standard of standard debit card pos card is: 0.5%-20 caps, and the charging standard of credit card is 0.6%.
Ping An Bank: The charging rate of standard debit card pos machine is 0.335%- 19.75, and the charging rate of credit card is 0.633%.
How to calculate the handling fee of credit card pos?
Different pos machines have different charging standards.
1. If smart pos machines pay by QR code, the handling fee is generally 0.38%, which is the same as that of traditional pos machines.
2. The mobile phone pos machine is connected with the pos machine through Bluetooth for consumption, and the handling fee for this credit card consumption mode is generally 0.68%3 yuan/pen.
3. The standard handling fee for traditional pos machines is 0.6% for credit card swiping, with a maximum of 20. If you use a credit card in supermarkets, gas stations and other preferential merchants, the handling fee is 0.38% of the credit card, with a maximum of 18. There is no charge for swiping cards in public hospitals, schools and other places.
Other provisions:
1.After the fee reform of 65438+96 in 2006, the central bank formulated a unified charging standard for credit cards, that is, the charging standard for credit cards was 0.6% of the standard category. For example, if we cash in 10000 yuan, then the handling fee is 10000.6% = 60 yuan.
2. The above are the standard types of merchants, including preferential relief and public welfare.
According to the current unified rate policy, the credit card rate of preferential merchants is 0.38%-0.48%, and that of public welfare merchants is 0.
When we cash out, we determine the credit card rate according to the specific merchant type code, that is, MCC code. Generally, we can see it on the printed transaction documents after swiping the card on the POS machine. There is a string of 15 merchant numbers on the transaction receipt, in which the 8th-11is MCC code.
For example, if the MCC code is 58 13, then the representative business type is leisure drink places (bars, pubs, coffee shops, cafes, teahouses), and the business classification is catering and entertainment, and the credit card rate is 0.6%.
POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.
Fixed POS machine
The advantages are:
1, software upgrade and maintenance is relatively easy;
2, network dialing mode, fast dialing speed;
3. It is easier to clear POS transactions.
Disadvantages: online operation is required, and guests need to pay at the cashier.
Merchants suitable for integrating transformation projects.
How much is the credit card pos fee?
Different pos machines have different charging standards.
1. If smart pos machines pay by QR code, the handling fee is generally 0.38%, which is the same as that of traditional pos machines.
2. The mobile phone pos machine is connected with the pos machine through Bluetooth for consumption, and the handling fee for this credit card consumption mode is generally 0.68%3 yuan/pen.
3. The standard handling fee for traditional pos machines is 0.6% for credit card swiping, with a maximum of 20. If you use a credit card in supermarkets, gas stations and other preferential merchants, the handling fee is 0.38% of the credit card, with a maximum of 18. There is no charge for swiping cards in public hospitals, schools and other places.
apply for
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
check
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
hairpin
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Activate bank card
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.
At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
How to calculate the handling fee for pos card swiping?
Pos card swiping-handling fee = actual card swiping rate. For example, if the user spends 10000 yuan, and the debit card rate of China Bank is 0.5%, then the handling fee = 100000.5% = 50 yuan. According to the preferential policy of capping, A needs to pay 20 yuan handling fee, and the credit card rate of China Bank is 0.6%. Then,
At present, there are several rates for POS machines. How much is the handling fee for swiping a card with a POS machine? It depends on what payment channel you choose to settle the transaction. It is 0.6% if you swipe your card, and 0.38% if you scan the code or QR code. How to scan the code or China UnionPay Express Pass 0.38%. The rates of different POS machines are different. The use of merchants' POS machines, electronic POS machines and other large machines and tools will be charged at the standard rate of 0.6% for swiping cards and 0.38% for scanning codes, and 0.38% for China UnionPay Express (10,000 yuan).
The rate of POS machines is interval, and many users always like low-rate consumption, just to save a few dollars in handling fees. But do you know that the state stipulates that the minimum rate of POS machines shall not be less than 0.55%? On the one hand, banks can't make money; On the other hand, low rates are easy to skip codes, which leads to risk control and great risks. If you want to protect your card security, you'd better use the rate of about 0.60%, which is the most reliable, stable and unanimously recognized rate in the industry.
According to official website of various banks, the pos rates charged by debit cards and credit cards of banking institutions are as follows:
1, 0.5% ~ 0.6% for China Bank;
2. Agricultural Bank 0.5%, Industrial and Commercial Bank 0.6%, 17 0.5%, China Construction Bank 0.6% and Bank of Communications 0.5%;
3. Postal Savings Bank capped 0.5% ~170.55%;
4. CITIC Bank 0.5%~ 18 capped 0.55%, Minsheng Bank 0.45%~20 capped 0.55%;
5. Guangfa Bank capped 0.5%~ 17 by 0.6%.
According to the bank information, the pos charge rate of debit cards is mostly 0.5%, among which Minsheng Bank is even lower, at 0.45%, and the pos charge rate of credit cards is usually about 0. 1% higher than that of debit cards, mostly at 0.6%. Users should note that compared with debit cards, credit cards have no preferential policy of capping fees.
There are currently three credit card interest rates:
1, standard: 0.6%
Standard category: the handling fee rate of ordinary merchants and users, that is, the standard rate, only needs 0.60% for swiping cards;
2. Preferential type: 0.38%
The issuing bank charges 0.325%, and UnionPay charges 0.0325% (from the issuing bank and the payment institution respectively), so the fee for the relief category is generally 0.38%-0.48%.
3. Public welfare type: 0 rate
Hospitals, schools, nursing homes and other public places are exempt from formalities.
The introduction of pos card-swiping fee and pos card-swiping fee capping ends here. I wonder if you found the information you need from it?