Mobile Payment Network 2022-11-01
Recently, WeChat Pay announced to users that from June 1 65438+1October1day, personal payment codes will no longer provide credit card payment services.
It is worth mentioning that in the "Guide to Credit Card Collection Function of Personal Business Collection Code" issued by WeChat Payment Assistant, in addition to the fact that personal collection code no longer supports credit card collection, it also answers many questions related to personal business collection code, including handling fees.
How much is the handling fee for using the Personal Business Acceptance Code? This question. WeChat payment reply:
The service charge collected by credit card is 0.38% of the actual payment amount.
No transaction service fee is charged for non-credit card receipts below 5 yuan, and the rest are charged at the transaction rate of 0. 1%. Before 65438+February 3, 20221day, the transaction service fee will be charged at 1000 yuan per day.
This is the first time to publicly clarify the charging issue since WeChat Pay launched the personal business receipt code on February 22, 2022.
Document No.259 and personal business receipt code
On March 1 day, 2022, No.259 Notice of the People's Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Services officially landed. The most important regulation in the payment code market is that banks, payment institutions, clearing institutions and other institutions that provide payment services related to payment barcodes for payees should formulate a classification management system for payment barcodes, effectively distinguishing the scenes and uses of individuals and special merchants using payment barcodes.
Prior to this, on February 22, China Payment and Clearing Association, WeChat Pay and Alipay issued an announcement, clarifying that the current "personal payment code" will not be closed, and it will continue to be used, with the same function. At the same time, a new "personal merchant payment code" is set up to provide more efficient payment services for merchants on the premise of free choice, undiminished service, unchanged experience and free coding process.
At that time, neither WeChat Pay nor Alipay further clarified the issue of personal business receipt code charges.
According to the mobile payment network, up to now, Alipay has not issued an announcement similar to the notice of WeChat payment to clarify the function and charge of the personal business receipt code.
It should be noted that some merchants' personal collection codes have been upgraded to support credit card collection before the introduction of personal collection codes in WeChat Pay, but after this notice, they need to be further upgraded to personal collection codes to continue to support credit card collection.
The charge for non-credit card payment by WeChat personal operation receipt code is similar to the cash withdrawal charge policy implemented by WeChat Pay in March 2065438+2006. The WeChat cash withdrawal charging policy is "users will be charged a handling fee of 0. 1% for cash withdrawal, and each user will enjoy a free cash withdrawal amount of 1000 yuan."
The non-credit card payment charging policy for personal business payment code is: "No transaction service fee is charged for a single 5 yuan, and the rest is charged at the transaction rate of 0. 1%. Before 65438+February 3, 20221day, there is no transaction service fee for the collection of 1000 yuan per day. "
However, after the payment is completed, the personal business will take free cash withdrawal measures based on the code.
Judging from the actual charges, personal business with bar code is like changing the cash withdrawal fee into the transaction service fee. Before 2023, the preferential policy of free transaction service fee for single transaction below 5 yuan and RMB 1000 per day can still reduce the business burden of merchants to some extent.
The personal business receipt code is charged according to a single transaction, so as long as a transaction (higher than that in 5 yuan) occurs, it will definitely generate expenses. However, if there is no withdrawal operation for the personal collection code, no fees will be incurred.
The following is the original text of WeChat Pay's Personal Business Receipt Code Credit Card Collection Function Guide: