Through the third-party settlement channel! Such as "China UnionPay".

The acquiring bank hands the documents to China UnionPay, and UnionPay collects the payment from the issuing bank, and then remits it to the acquiring bank's account. The acquiring bank will hand over the consumption amount to the merchant.

UnionPay charges a certain handling fee during the process (paid by the card-issuing bank).

The acquiring bank charges the merchant a transaction fee.

During the entire transaction process, the cardholder does not have to pay any fees!