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?

Credit card holders do not need to pay the handling fee when they go to the pos machine, but the merchant pays the handling fee. The handling fee rate is as follows:

1. When swiping a card at a general merchant, the handling fee is 0.7% of the swiping amount.

2. When swiping cards for restaurants, entertainment, hotels, jewellery and handicrafts, the handling fee is 65438+ 0.4% of the swiping amount.

3. When a real estate or automobile sales merchant swipes a card, the handling fee is 0.7% of the amount of the card swiped, and the upper limit of the handling fee is 40 yuan.

4. When swiping a card at a wholesale merchant, the handling fee is 0.7% of the swiping amount, and the upper limit of the handling fee is 16 yuan.

5. When swiping cards in supermarkets, gas stations or other businesses, the handling fee is 0.35% of the swiping amount.

6. In public schools and public hospitals, banks do not charge fees.

1. Sales terminal -POS (point of sale) 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.

Second, the handling process:

1. First, prepare the relevant POS machines to go through the formalities, and seal the copies.

2. Second, submit the materials for review, sign a contract after approval, and prepare to install the POS machine.

3. Third, you can complete the simple training of door-to-door installation and pos card swiping, and you can handle both fixed and mobile POS machines.

3. The basic principle of 3.POS system is to create commodity data in computer files. Through the on-line structure of the computer cash register, the barcode on the goods can be directly read through the optical reading device on the cash register equipment (or the code can be directly input through the keyboard), and the information of the goods (unit price, department, discount, ...) can be displayed immediately to speed up the cash register and correct it. The detailed information of each commodity sale (price, department, time period and customer level) is automatically recorded and then sent back to the computer by the online framework. Through computer calculation and processing, various sales statistics and analysis information can be generated as the basis for management.

Fourthly, the POS machine reads the magnetic stripe information on the cardholder's bank card through the card reader, the operator of the POS machine inputs the transaction amount, the cardholder inputs the personal identification information (password), and the POS machine sends the information to the issuing bank system through the UnionPay center to complete the online transaction, give the information of success or failure, and print the corresponding bill. The application of POS realizes the online consumption of credit cards, debit cards and other bank cards, ensures the safety, rapidity and accuracy of transactions, avoids complicated labor such as manual blacklist inquiry and bill pressing, and improves work efficiency. The design requirements of magnetic stripe card module meet the needs of three-track magnetic cards, that is, the module should be able to read magnetic cards with 1/2, 2/3 and 1/2/3 tracks.

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.

How to calculate the handling fee for swiping a credit card?

The handling fee for swiping a credit card is 1%-2.5% paid by the merchant to UnionPay, and no personal responsibility is required. It is illegal for merchants to let consumers bear the handling fees themselves. If the merchant asks the consumer to pay the handling fee himself, the consumer can refuse and complain to the UnionPay customer service center.

For POS merchants, the transaction fee of UnionPay card will be deducted for each transaction; For general supermarkets, 0.38% will be deducted; For general merchants, 0.78% will be deducted; Jewelry, catering and entertainment business, deducting1.25%; And for merchants in the wholesale market, 0.78% will be deducted, regardless of credit cards and debit cards. It is the same standard.

Extended data:

Precautions for credit card use:

Don't be too early: try not to swipe your card before 9: 00 am, because according to common sense, most shops are not open yet.

Don't be too late: 1 1 Try not to swipe your card in the evening, because according to common sense, most shops are closed and online transactions are not affected by time.

Don't brush integers: don't brush integers such as 10000, 5000, etc., and try not to use decimal points every time you swipe your card. The amount of swiping your card should not be repeated or regular.