1, ordinary merchants: the charge rate of the savings card is five thousandths, and the cap is about 25. For example, if you swipe a 1000 yuan savings card, the merchant actually receives 995 yuan, and after deducting five thousandths, it will not go up when you arrive in 25 yuan. For example, brush 100000 yuan, brush 100000 yuan will be deducted from 25 yuan;

The credit card handling fee rate is 0.6 ‰, such as 1000 in 6 yuan, 10000 in 60 yuan and 10000 in 600 yuan.

2. Preferential merchants: the credit card rate is 3.8 per thousand. For example, 38 yuan will be charged 1 10,000 yuan. Only large supermarkets and gas stations can handle it. Business license is required, and it is basically impossible to submit photos.

3. Zero-rate industries: including public hospitals, public schools and for-profit organizations. All of them are settled into corporate accounts, and individuals and ordinary businesses cannot handle them.

Therefore, if you are an ordinary merchant or individual, you can only pay the first rate first.

4. Scan code payment rate is settled through Alipay or WeChat direct bank. At present, there is no access to UnionPay or network, and it is not bound by UnionPay. In order to promote the market, the rate is 3.8%, but in the near future, it will also be connected to the internet, and the rate may be further unified in the future.

It should be noted that the cardholder does not need to pay the handling fee, and the handling fee is deducted from the POS merchant.