Credit card charge = charge rate × charge amount. If the rate is 0.6%, 0.6 yuan handling fee will be generated for every 65,438+000 yuan spent. According to the regulations, the cost of swiping the card is borne by the merchants who use pos machines. If the cardholder encounters the situation that the merchant requires the cardholder to pay the handling fee, he can complain to the bank.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

How to calculate the charge for credit card swiping?

Specific calculation formula: credit card service fee = credit card rate × credit card amount.

1. Credit card handling fee is usually the fee paid by merchants to banks and third-party institutions, that is, it is deducted from the cardholder's card amount, and the rest is the amount actually received by merchants. Some merchants will refuse to swipe their cards unless the cardholder voluntarily bears the handling fee, so it is necessary to understand the charging standard and algorithm of the handling fee for swiping cards.

2. The general credit card service fee is determined by the POS credit card rate and card amount. The rate of traditional credit card and flash payment is different. If you swipe your card in the traditional way, such as inserting the card directly into the POS machine, the standard rate is 0.6%; Flash payment, 0.38% below 1000 and 0.6% above 1000.

1. Shops need to pay 2-3% handling fee to banks and credit card centers after accepting customers' credit cards. This is called credit card handling fee. 20 12,110/0, the central bank issued the Notice of the People's Bank of China on Implementing the Adjustment of Credit Card Processing Fees, saying that this fee reduction only involves domestic bank card consumption transactions. On February 25th, 20 13, the Regulation on Merchants' Credit Card Fees implemented in 2003 was abolished at the same time, and the overall credit card rate was lowered by 23% to 24%.

2. After accepting customers' credit cards, specialty stores should pay 2-3% handling fees to banks and credit card centers. In order to save costs, some manufacturers will ask cardholders to pay extra fees, because credit cards must be invoiced, so stores can't evade taxes.

3. According to the current income distribution method of inter-bank transactions of bank cards of China UnionPay network access institutions, the settlement fees of bank card acquiring business are borne by merchants, but the rates implemented by different industries are different, ranging from 0.5% to 4%. Generally speaking, the credit card rate of retail industry is 0.8%- 1%, that of supermarket is 0.5%, and that of catering industry is 2%.

4.20 12,11June, the central bank issued the Notice of the People's Bank of China on Practically Adjusting and Implementing the Standard of Credit Card Fees, stating that the fee reduction only involved domestic bank card consumption transactions, and the merchant credit card service fee implemented in 2003 was cancelled at the same time from February 25th, 20 13, and the overall credit card rate decreased by 20%.

5. The central bank notified the bank card processing fee standard shown in the annex to maintain the differentiated pricing of the current card processing fee industry. Industry classification is mainly divided into four categories: catering and entertainment, comprehensive, people's livelihood and public welfare. The overall decline was 23% to 24%, of which catering and entertainment decreased by 37.5%.

6. The first category is catering and entertainment, including catering, entertainment, jewelry, handicrafts, real estate and automobile sales. The comprehensive rate decreased from 2% to 1.25%, a decrease of 37.5%. Among them, the service fee of the issuing bank is 0.9%, the network service fee of the bank card clearing institution is 0. 13%, and the benchmark price of the acquiring service fee (which can fluctuate up and down 10%) is 0.22%. The unit price of real estate and automobile sales has increased from the original10 yuan to 80 yuan.

7. The second category is general, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots tickets, etc. , the comprehensive rate was reduced to 0.78%, including 0.55% for the service fee of the issuing bank, 0.08% for the network service fee of the bank card clearing institution, and 0.15% for the benchmark price of the service fee for acquiring.

8. The third category is people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity payment, refueling, transportation ticketing, etc. , the overall rate is 0.38%. The fourth category is hospitals, education and other public welfare categories with zero interest.

How to calculate the handling fee of credit card pos?

Different pos machines have different charging standards.

1. If smart pos machines pay by QR code, the handling fee is generally 0.38%, which is the same as that of traditional pos machines.

2. The mobile phone pos machine is connected with the pos machine through Bluetooth for consumption, and the handling fee for this credit card consumption mode is generally 0.68%3 yuan/pen.

3. The standard handling fee for traditional pos machines is 0.6% for credit card swiping, with a maximum of 20. If you use a credit card in supermarkets, gas stations and other preferential merchants, the handling fee is 0.38% of the credit card, with a maximum of 18. There is no charge for swiping cards in public hospitals, schools and other places.

Other provisions:

1.After the fee reform of 65438+96 in 2006, the central bank formulated a unified charging standard for credit cards, that is, the charging standard for credit cards was 0.6% of the standard category. For example, if we cash in 10000 yuan, then the handling fee is 10000.6% = 60 yuan.

2. The above are the standard types of merchants, including preferential relief and public welfare.

According to the current unified rate policy, the credit card rate of preferential merchants is 0.38%-0.48%, and that of public welfare merchants is 0.

When we cash out, we determine the credit card rate according to the specific merchant type code, that is, MCC code. Generally, we can see it on the printed transaction documents after swiping the card on the POS machine. There is a string of 15 merchant numbers on the transaction receipt, in which the 8th-11is MCC code.

For example, if the MCC code is 58 13, then the representative business type is leisure drink places (bars, pubs, coffee shops, cafes, teahouses), and the business classification is catering and entertainment, and the credit card rate is 0.6%.

POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.

Fixed POS machine

The advantages are:

1, software upgrade and maintenance is relatively easy;

2, network dialing mode, fast dialing speed;

3. It is easier to clear POS transactions.

Disadvantages: online operation is required, and guests need to pay at the cashier.

Merchants suitable for integrating transformation projects.

How to calculate the handling fee for pos card swiping?

Pos card swiping-handling fee = actual card swiping rate. For example, if the user spends 10000 yuan, and the debit card rate of China Bank is 0.5%, then the handling fee = 100000.5% = 50 yuan. According to the preferential policy of capping, A needs to pay 20 yuan handling fee, and the credit card rate of China Bank is 0.6%. Then,

At present, there are several rates for POS machines. How much is the handling fee for swiping a card with a POS machine? It depends on what payment channel you choose to settle the transaction. It is 0.6% if you swipe your card, and 0.38% if you scan the code or QR code. How to scan the code or China UnionPay Express Pass 0.38%. The rates of different POS machines are different. The use of merchants' POS machines, electronic POS machines and other large machines and tools will be charged at the standard rate of 0.6% for swiping cards and 0.38% for scanning codes, and 0.38% for China UnionPay Express (10,000 yuan).

The rate of POS machines is interval, and many users always like low-rate consumption, just to save a few dollars in handling fees. But do you know that the state stipulates that the minimum rate of POS machines shall not be less than 0.55%? On the one hand, banks can't make money; On the other hand, low rates are easy to skip codes, which leads to risk control and great risks. If you want to protect your card security, you'd better use the rate of about 0.60%, which is the most reliable, stable and unanimously recognized rate in the industry.

According to official website of various banks, the pos rates charged by debit cards and credit cards of banking institutions are as follows:

1, 0.5% ~ 0.6% for China Bank;

2. Agricultural Bank 0.5%, Industrial and Commercial Bank 0.6%, 17 0.5%, China Construction Bank 0.6% and Bank of Communications 0.5%;

3. Postal Savings Bank capped 0.5% ~170.55%;

4. CITIC Bank 0.5%~ 18 capped 0.55%, Minsheng Bank 0.45%~20 capped 0.55%;

5. Guangfa Bank capped 0.5%~ 17 by 0.6%.

According to the bank information, the pos charge rate of debit cards is mostly 0.5%, among which Minsheng Bank is even lower, at 0.45%, and the pos charge rate of credit cards is usually about 0. 1% higher than that of debit cards, mostly at 0.6%. Users should note that compared with debit cards, credit cards have no preferential policy of capping fees.

There are currently three credit card interest rates:

1, standard: 0.6%

Standard category: the handling fee rate of ordinary merchants and users, that is, the standard rate, only needs 0.60% for swiping cards;

2. Preferential type: 0.38%

The issuing bank charges 0.325%, and UnionPay charges 0.0325% (from the issuing bank and the payment institution respectively), so the fee for the relief category is generally 0.38%-0.48%.

3. Public welfare type: 0 rate

Hospitals, schools, nursing homes and other public places are exempt from formalities.

What's the credit card interest rate?

Credit cards usually have three kinds of interest rates. First, credit cards can be overdrawn, and the current rates are 0.6% and 0.55%. Second, when the amount is high, the bank will recommend the cash installment business, which will involve the monthly interest rate of cash installment, which is about 0.6%-0.8%. Third, the cash withdrawal business, you can directly take a credit card to the ATM to withdraw cash, the interest is five ten thousandths.

On the surface, these three rates seem low, but if you are good at calculation, you will find that they are quite different. The first kind of overdraft consumption is credit card consumption. The current interest rates are 0.6% and 0.55%; The second kind of gold installment business is also one of the main businesses promoted by the bank's credit card department, and the cash installment interest rate given by banks is around 0.7%. The third type is credit card ATM cash withdrawal. Every bank's credit card has this service, and the rate is five ten thousandths. At present, many platforms engaged in micro-credit loans generally adopt this interest rate.

If the rate of consumer credit card is 0.6% and the average service life is 50 days, the annualized conversion rate is 0.6%/50x365 = 4.38%; The general rate of cash installment business is 0.7%, and the service life is calculated as one month: the annualized conversion rate is 0.7%12 = 8.4%; Credit card cash withdrawal business, the rate is five ten thousandths, the term is one day: the annualized conversion rate is 5/100003012 =18%. At present, the annualized rate of return of the bank's one-year time deposit is 1.5%, that is to say, if the income of the deposit bank cannot cover the overdraft of your credit card.

So much for the introduction of how to calculate the credit card handling fee rate.