When using a credit card, the cardholder does not need to pay the handling fee, but only needs to pay the cost of the goods; Generally, the merchants bear this handling fee.
The handling fee paid by Taobao credit card is 1%, that is to say, if you use credit card to pay for goods of 100 yuan, you need to deduct the handling fee of 1 yuan. Of course, the merchant will bear the handling fee.
Credit card deduction principle:
If the seller has opened the credit card payment service, there is no difference between the buyer's choice of credit card payment and savings card payment. When the buyer confirms the receipt, Taobao system will automatically deduct the seller's 1% handling fee.
If the seller does not open the credit card payment service, the buyer will bear the handling fee of 1% when shopping with the credit card.
Why do you charge 1% for shopping on Taobao with a credit card?
1. If you use a credit card to shop on Taobao platform, Taobao platform will deduct the handling fee of 1%.
2, Taobao platform credit card deduction standard:
If the seller opens the credit card service function, the seller pays the handling fee of 1%, and the buyer does not need it. At this time, the buyer's credit card and savings card are the same, and there will be no handling fee.
If the seller does not open the credit card service function, then the buyer needs to pay a handling fee of 1% to Taobao platform when shopping with credit card.
3. Taobao platform credit card shopping precautions:
When buyers use credit cards to shop on Taobao platform, they must see clearly whether the seller's store has opened the credit card service function.
Extended data:
The function of credit card is relatively powerful, which can not only be swiped online in physical stores, but also be paid online on various e-commerce platforms. There are many things to pay attention to when using credit card to pay online, especially these five knowledge must be understood clearly before payment. Let's have a look.
1. Credit card online payment must be opened by the cardholder.
Many card friends have to open online payment function in credit card official website after opening online banking. Some banks may require a password for online payment. In order to ensure the safety of funds, it is best to set online payment limit when opening online payment.
2. Important information of credit card online payment cannot be disclosed.
This includes the credit card++,the cardholder's name, ID number, the validity period of the credit card, the three-digit CVV code on the back and the mobile phone verification code. Once any information is entered incorrectly, online payment will fail. And if you leak this information, you can expect to receive SMS notification that your credit card has been stolen.
3. Pay attention to network security when paying online by credit card.
Before using online payment, be sure to ensure the safety of the computer you use. It is best not to use online payment on computers in public places such as Internet cafes. Be sure to disinfect the computer before surfing the internet to avoid being stolen by criminals through trojans.
4, credit card online payment refund arrival time
After using credit card to pay online, you may encounter returns and refunds. Generally, after successful return, the credit card money will be returned in the original way, but not in real time. It usually takes 2~3 working days, and the limit will be restored in real time after the account is received. You need to pay attention to SMS notifications and reminders at any time.
5. Credit card online payment has points in these channels.
In the past, credit card online payment mostly didn't have credit card points, but now online payment also has points through WeChat, JD.COM, Alipay and China UnionPay Express.
Taobao-credit card payment
Xinhuanet-Alipay will also charge credit cards from next month.
How much is the handling fee paid by Taobao credit card?
When using a credit card, the cardholder does not need to pay the handling fee, but only needs to pay the cost of the goods; Generally, the merchants bear this handling fee.
The handling fee paid by Taobao credit card is 1%, that is to say, if you use credit card to pay for goods of 100 yuan, you need to deduct the handling fee of 1 yuan. Of course, the merchant will bear the handling fee.
Credit card deduction principle:
If the seller has opened the credit card payment service, there is no difference between the buyer's choice of credit card payment and savings card payment. When the buyer confirms the receipt, Taobao system will automatically deduct the seller's 1% handling fee.
If the seller does not open the credit card payment service, the buyer will bear the handling fee of 1% when shopping with the credit card.
How much handling fee will be charged to the merchant when paying by credit card in Taobao?
When shopping on Taobao, the buyer pays by credit card, and the handling fee charged is 1%, but the handling fee is not necessarily borne by the seller, but may also be borne by the buyer.
For credit card payment, the agreement on the payer is as follows:
If the seller has enabled the credit card payment function and paid by credit card, the handling fee of 1% will be deducted from the money received by the seller Alipay when confirming the receipt.
If the seller does not open the credit card payment function, the buyer can pay by credit card and enjoy 500 yuan # 47 every month; Free amount in the card, free consumption within the free amount, free of charge. If you spend more than the free amount, if you don't have a replaceable credit card, you will be charged a handling fee of 1%.
Therefore, if you run out of free credit card payment, please choose Alipay or savings card to avoid handling fees.
Extended data:
credit card
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
Let's stop here for the introduction of Taobao's use of credit card fees.