1. For merchants receiving codes, the handling fee rate is 0.38%, that is, handling fee = total transaction amount ×0.0038. For example, if the total transaction amount of a certain day is 10000 yuan, then the handling fee of that day is 10000 yuan ×0.0038=38 yuan.

2. For individual users, China UnionPay Express transfers to bank cards, China UnionPay Express APP accounts or scans personal payment codes for face-to-face transfer, and other forms of transfer are free of charge.

3. There is no handling fee for the repayment of China UnionPay Kuaijietong credit card, and the repayment is received in real time. To sum up, the handling fee of 10,000 yuan for China UnionPay Express Rail depends on the user's identity and operation type. If the merchant uses the payment code, the handling fee is 38 yuan; There is no handling fee for individual users to transfer money or repay by credit card.