If the store you buy doesn't have a credit card to pay, there will be a handling fee of 1% if you pay by credit card. In case of refund, the total transaction amount (commodity amount+1% handling fee) will be returned to your credit card.

If the merchant opens the credit card payment function, and you pay by credit card, Taobao (Alipay) will charge the merchant a certain handling fee, which has nothing to do with you. If there is a refund, the amount you paid will be refunded to your credit card;

If the merchant opens the credit card payment function, and you pay by credit card, Taobao (Alipay) will charge the merchant a certain handling fee, but the store does not want to bear this handling fee, and will make it clear that the customer will pay an extra handling fee of more than 1%, which is equivalent to the extra handling fee charged by the store. If there is a refund, it will be returned to the trading store together with the extra handling fee (of course, the store that charges the extra handling fee will directly modify the handling fee of a Billy for you. Generally, Taobao's personal mobile phone stores and many electronic products stores will make it clear that if customers pay by credit card, they will continue to bear the handling fee of 1%.

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