It should be handed over by the merchant to the bank or UnionPay organization to which the POS machine belongs, that is, if you swipe your card, the merchant has to pay the handling fee, so they are unwilling to pay this part of the money and pass it on to consumers. He wants more from you. The average merchant's handling fee is 1-2%, and he also benefits from it. If he asks you for a handling fee, you can complain to China UnionPay at 955 16.