If the cardholder successfully withdraws money from other banks' ATMs, the issuing bank will pay the agency fee to the correspondent bank according to the standard of each transaction in 3.0 yuan and the network service fee to UnionPay according to the standard of each transaction in 0.6 yuan, but there is no charge for ATM cross-bank inquiry for the time being.

The handling fee shall be deducted by the acquiring institution when settling with the merchant. The deduction standard is based on the relevant regulations of the People's Bank of China, and the handling fee is divided among banks, UnionPay and acquiring institutions.

In terms of merchant settlement fees for POS interbank transactions, for hotels, restaurants, entertainment, jewelry, handicrafts and other merchants, the fixed income of the issuing bank is 65438+ 0.4% of the transaction amount, and the standard of UnionPay network service fee is 0.2% of the transaction amount. For general merchants, the fixed income of the issuing bank is 0.7% of the transaction amount, and the standard of UnionPay network service fee is 0.65438+ 0% of the transaction amount.

Bank acquiring: In the bank card business, the acquiring bank refers to a bank that cashes in interbank transactions or signs contracts with merchants to settle interbank transaction funds, and directly or indirectly transfers transactions.

Extended data:

Take credit cards as an example. A receipt usually refers to a bank. You buy things by credit card, sign and leave. The merchant leaves your signed purchase order and gives it to the bank that sends it to the credit card machine. This bank is an acquiring bank. After receiving your purchase order at that time, the acquiring institution will pay the merchant according to the above amount. Businessmen will get the payment.

However, there is not only one settlement method, depending on the agreement signed by the merchant and the acquiring institution. Another mode is that the acquirer transfers the information to UnionPay, and UnionPay transfers the money to the acquirer the next day, and the acquirer pays the money to the merchant. UnionPay will ask the issuing bank for money through the UnionPay platform. Just return the money to the issuing bank.

Of course it's not that simple. There is a handling fee for every link, otherwise the bank and UnionPay will have no money to earn. In fact, the whole process of swiping cards is realized through UnionPay, a shared intermediate link network.

Baidu encyclopedia-bank receipt