Do you know that there is a handling fee for buying things with a credit card on Taobao? How much is the handling fee for opening a credit card in Taobao? Are buyers and sellers the same? How much is the express payment fee for opening a credit card? Is it more cost-effective to open Taobao sellers or not to open them? Let me calculate an account for you.

Testing and evaluation

Which is better, Guangfa True Love Card or Guangfa Taobao Card?

1. If you are a Taobao seller.

If you open the "credit card payment" service, then the buyer pays by credit card, and you need to pay 1% of the transaction amount (including freight) as the transaction fee. 1% handling fee is only charged for the amount paid by credit card, and will be automatically deducted from the money you receive after the transaction is successful. Payment of Alipay account balance, red envelopes, points (Taobao Mall) and shopping vouchers are not subject to handling fees.

Using the computer port for fast payment of credit cards requires a handling fee, which is 1% of the sum of the transaction amount plus the freight. The handling fee of 1% is the handling fee ratio of commercial consumption stipulated by UnionPay. Citizens spend their money by swiping their cards in general shopping malls, and the mall operators have to deduct this handling fee. There is no capped amount, and it will be charged according to the actual situation.

If you don't open the "credit card payment" service, buyers don't need to deduct your handling fee when paying by credit card. At the same time, not only do you need to pay a "handling fee" for credit card payment, but Alipay also begins to charge a "handling fee" for credit card repayment, water and electricity payment and other service functions.

2. If you are a Taobao buyer.

If the buyer is unwilling to pay the handling fee, he can pay by debit card or other means, or re-select the merchant who has already opened the payment, free of service charge. For goods with the same price, buyers can give priority to sellers who support credit card payment; In case of exclusive payment and the seller does not support credit card payment, consumers can choose Alipay and online banking to pay.

To sum up for you: Taobao buyers are more cost-effective to use other payment methods for sellers who have not opened credit card payment. For Taobao sellers, if they don't open fast credit card payment, they are likely to lose a lot of business. A handling fee of 1% will be charged when the credit card is opened, to see which is more cost-effective for the seller ~