The credit card handling fee is borne by the merchant. Traditional POS machines charge 0.6%, and discount merchants such as large supermarkets and gas stations charge 0.3%. As for schools, hospitals, public facilities and other places, credit card merchants do not need to pay handling fees, because these places are public welfare.

When users swipe their cards, they only need to pay the consumption amount. As for the handling fee, the clearing institution deducts it from the credit card amount, so the handling fee has nothing to do with the consumer.

The more people use it, the more problems there are. As we know, when using credit cards, whether online payment or offline credit card swiping, banks will charge credit card swiping fees. That is to say, in daily life, when citizens swipe their cards, issuers, accepting banks and China UnionPay that provide clearing services will charge merchants a certain percentage of service fees according to the transaction amount.

At present, in China, banks stipulate that the credit card handling fee shall be borne by merchants. However, in real life, there are often some merchants who pass on the credit card handling fee to consumers when the transaction amount is relatively large.