2065438+The new policy, which came into effect on September 6th, 2006, abolished the classified pricing of merchants, and charged different fees for debit cards and credit cards.
Among them, the debit card transaction does not exceed 0.35% of the transaction amount, and the single charge amount does not exceed 13 yuan; Credit card transactions do not exceed 0.45% of the transaction amount, and no single capping control is implemented. The network service fee does not distinguish between debit card and credit card, and the rate is reduced to no more than 0.065% of the transaction amount, and the maximum charge for a single transaction does not exceed 6.5 yuan.
The service fee of the acquiring link is changed from the current government-guided price to the market-regulated price, and the specific rate is determined by the acquiring institution through consultation with the merchants.
According to the requirements of most banks' New Deal, the credit card rate is adjusted to 0.5% of the transaction amount for debit cards, and the single charge is the highest in 20 yuan; The credit card is 0.6% of the transaction amount, and the cap is cancelled.
Extended data:
Buying a house, buying a car and swiping a card is still more "cost".
In the past, the charging standard was that credit cards were not used, and the handling fee rate of automobile and real estate merchants was 1.25%, and 80 yuan capped it; The handling fee rate of wholesale, building materials, household and consumer goods is 0.78%, which is capped in 26 yuan.
However, after the implementation of the new standard, the handling fee for credit cards will no longer be capped. If you buy a car with a price of 6.5438+10,000 yuan, the merchant will have to pay 600 yuan's handling fee, and even if it is calculated according to the 0.5% rate of Agricultural Bank of China, you will have to pay 500 yuan.
According to industry insiders, the automobile and real estate industries may encounter the embarrassment of "not being capped", and there may be a phenomenon of "refusing to brush", or make up the handling fee in terms of price concessions, and even ask consumers to bear the cost and directly pass the handling fee on to consumers.
People's Daily Online -POS card processing fee will implement the new standard.