POS card charging rate = 0.45% of the issuing bank+0.065% of the clearing institution+0.02% of the service fee of the acquiring institution+0.535% of the service fee of UnionPay brand (0.05%-0.1%fluctuates).
Source of amount rate of pos machine:
1. The service fee shall be charged by the acquiring institution to the merchants, and the market-adjusted price shall be implemented.
2. The service fee charged by the issuing bank to the acquiring institution shall not be higher than 0.35% for debit cards and 0.45% for credit cards.
3. Service fee of clearing institution: the bank card clearing institution charges 0.0325% from the card issuer and 0.0325% from the acquiring institution, and the sum of them is not higher than 0.065%.
1. traditional POS machine. The credit card processing fee of traditional POS machines can be mainly divided into three categories:. 1. Standard fee: the standard fee is 0.6% for credit card and 0.5% for savings card, with a maximum of 20 caps. 2. Preferential handling fee: Credit card spending in preferential merchants, such as supermarkets and gas stations, has a handling fee of 0.38% and a savings rate of 0.4%, with a maximum of 18. .3. Fee reduction: There is no charge for spending by credit card in public hospitals, schools and other places.
Two: intelligent POS machine. Smart POS machines and traditional POS machines have the same charge for swiping cards, except that smart POS machines can also pay with two-dimensional codes, and the charge is generally 0.38% for collecting money with two-dimensional codes.
Three: mobile phone POS machine.
POS(Point of sales), which means "point of sale" in Chinese, is a terminal reader equipped with barcode or OCR code technology, and has the function of teller of cash or barter bank. Its main task is to provide data services and management functions for commodity and media transactions, and to carry out non-cash settlement. 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.
There is only one rate for calculating the credit card of POS machine, that is, transaction amount × credit card rate = handling fee. For example, if the credit card transaction amount is 5000 and the rate is 0.6%, then it is 5000×0.6% = 30, so the rate plays a major role in how much handling fee is charged. The biggest difference between Pos machines is the different rates, because there are three rates, namely, reduced rate 0, preferential rate 0.38% and standard rate 0.6%, and each rate has a corresponding mcc code. Because there are many industries, each industry has a corresponding mcc code, which is easy to identify, mainly to facilitate institutions to settle accounts through mcc code.