whether Taobao sellers enable the credit card payment function depends on the cost, which is charged according to 1% of the single transaction amount of the credit card.

within the credit line granted by the bank, the buyer can spend first and then repay.

the starting amount of a single transaction applying for consumption installment is RMB 5 yuan, and the maximum amount is the credit limit of a credit card.

At present, there are 3-month, 6-month, 9-month, 12-month and 24-month consumption installments, and cardholders can freely choose the number of installments.

Taobao sellers open the credit card payment function, so that buyers can pay by credit card.

there is no charge for the function activation, and the charge is 1% of the single transaction amount of the credit card.

that is, if the buyer pays 1 yuan (including baby and freight) by credit card, you will be charged 1 yuan. Deduct directly from Alipay account.

The benefits of opening credit card payment can greatly increase sales, which is Taobao's commercial propaganda.

it's certain that there is promotion, but the point is not that, it's bluffing.

if you don't open credit card payment, buyers want to buy it, and they won't give it up just because you don't support credit card payment.

that's a very small factor. Buyers will pay through online banking.

in fact, you can choose to pay by credit card through the online banking payment channel.

So, besides collecting money from Taobao and benefiting the bank, isn't credit card payment good for us?

Then online banking also supports credit card payment. Why do sellers need to open a special credit card payment?

there are advantages. Credit card payment can support large payment.

if you pay through online banking, the general bank stipulates that credit cards have a payment limit, such as 5.

but the channel of credit card payment can break through this limit.

then it is very convenient for users who pay more than the limit at one time.

you don't need to recharge your account enough money again and again before paying, so you can complete the payment directly with your credit card.

Therefore, credit card payment will improve the payment experience of high-priced shopping users.

for those businesses with high selling value and large average single transaction volume of users, it is still necessary to open them.