The handling fee rate of POS machines is generally deducted according to the percentage of transaction volume. According to different industries, the deduction rate is different, and the standard of the rate ranges from 0.5% to 4%. In general, the charge rate of credit card in retail industry is 0.8%- 1%, that in supermarkets is 0.5%, and that in catering industry is 2%.

The handling fee for POS card swiping shall be borne by the merchant. Merchants reach an agreement with UnionPay or the acquiring institution to use this credit card settlement service and pay a certain handling fee to the other party accordingly. Therefore, the card-swiping fee for POS machines will be distributed among banks (issuing banks), acquiring institutions and UnionPay, with the distribution ratio of 7: 2: 1.