To put it simply, businesses that are still doing business with personal receipt codes in the future can no longer use credit cards to collect payment from customers.
If you want to collect credit card payment from customers, you must upgrade from Personal Receipt Code to Personal Business Receipt Code.
In the announcement, WeChat Pay also made a clear explanation on issues that everyone cares about, such as the handling fee for the personal business receipt code.
There are mainly two kinds of handling fees for using the "personal business receipt code": "credit card receipt" charges a service fee of 0.38% of the actual payment amount; For "non-credit card collection", the transaction service fee is not charged for a single transaction below 5 yuan, and the rest is charged at the transaction rate of 0. 1%. Before 65438+February 3, 20221day, the transaction service fee will be charged at 1000 yuan per day.
This is the first time that the official has clarified the handling fee since the introduction of the personal business acceptance code.
In daily operation, there will definitely be more merchants who mainly pay by non-credit card, and before 2023, the policy of single payment of transaction service fees below 5 yuan and single payment of 1 0,000 yuan will obviously reduce the business burden of merchants.
This is a measure for WeChat payment to further distinguish between personal payment code and personal operation payment code, and urge merchants to apply for personal operation payment code, otherwise it will bring inconvenience to consumers in payment experience and other issues.