Not %3. It depends on whether the seller has a store or not and whether the credit card payment function is enabled. If the buyer has a shop and has opened the credit card payment function, the seller's handling fee will be deducted when paying with the credit card. If the buyer has a store but does not have a credit card payment function, or does not have a store, then pay by credit card, and Alipay will charge a handling fee of 1%.