This is the money spent.

refers to the sales or service money transferred by the other party to the unit through online banking. When the POS terminal is directly connected to the UnionPay system, when the POS consumption occurs, the transaction information will be sent to the UnionPay host system first, and the information will be returned along the way after it is automatically judged by the UnionPay system and directly sent to the relevant issuing bank.

the credit card clearing fee is the handling fee generated by swiping a credit card. Generally, there is no handling fee (clearing fee) for individuals. The card swiping fee is that the store has to pay 2% to 3% to the bank and credit card center after accepting customers' card swiping. In order to save costs, some manufacturers will ask cardholders to pay an extra handling fee, because the credit card must be invoiced, which makes it impossible for shops to evade taxes.

all settlement fees for bank card acquiring business are borne by merchants, but different industries have different rates, ranging from .5% to 4%. Generally speaking, the charge rate of credit card in retail industry is .8%-1%, that in supermarkets is .5%, and that in catering industry is 2%.

Extended information:

Precautions for credit card use:

Apply for a credit card through the formal channels provided by the bank. Don't entrust others or intermediaries to act as agents, and don't use birthday, ID number and simple series as credit card passwords.

Don't easily ask a person who claims to be a bank to disclose information such as credit card account number and password, and don't lend your ID card and credit card to others.

when spending by credit card, don't leave the bank card out of sight, pay attention to the number of times the cashier swipes the card, and sign it after checking that the purchase slip is correct, so as to avoid accidental swiping, and keep the stub of the purchase slip. When swiping a card and entering a password in a shopping mall, you should use your body or your other hand to block the operation gestures as much as possible; Contact the bank in time when there is any abnormality in credit card consumption (such as repeated card deduction).

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Baidu Encyclopedia-credit card