If the amount of the purchase order is higher than the actual purchase by the landlord, then this fee is added by the merchant and has nothing to do with the bank.

If you use it online, especially Taobao, you have to charge 1% for using the bank's express payment function when the merchant has not opened the credit card payment, but this money is not collected by the bank, but by Alipay.

If the landlord has other questions, you can ask.