Pos machines charge credit card fees, and the fees charged by each bank are different. For example. 1. When debit cards are used for construction, transportation and China Bank, the handling fee rate is 0.5%, and the 20 yuan will be capped; When swiping a credit card, the handling fee rate is 0.6%. 2. When the Agricultural Bank's card or debit card is swiped, the handling fee rate is 0.5%, and the 20 yuan is capped; When swiping a credit card, the handling fee rate is 0.5%. 3. When ICBC and Guangfa bank cards and debit cards swipe their cards, the handling fee rate is 0.5%, and the upper limit is 17 yuan; When swiping a credit card, the handling fee rate is 0.6%. 4. When the card or debit card of the savings bank is swiped, the handling fee rate is 0.5%, and the upper limit is 17 yuan; When swiping a credit card, the handling fee rate is 0.55%. 5. When swiping the card or debit card of China Merchants Bank, the handling fee rate is 0.6%, and the cap is 19 yuan; When swiping a credit card, the handling fee rate is 0.66%. 6. When the credit card or debit card of CITIC Bank is swiped, the handling fee rate is 0.5%, and it is capped at 18 yuan; When swiping a credit card, the handling fee rate is 0.55%.
POS, which means "point of sale" in Chinese, is a terminal reader equipped with bar code or OCR code technology, which has the cashier function of cash or barter bank. Its main task is to provide data services and management functions for commodity and media transactions, and to carry out non-cash settlement.
Is there a handling fee for using pos brush for credit card?
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 at++,supermarkets, gas stations, etc. , the handling fee is 0.35% of the credit card amount.
6. In public schools and public hospitals, banks do not charge fees.
First, the 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 materials for review, sign a contract after approval, and prepare to install POS machines.
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 these 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.
As for the handling fee rate of POS, it is deducted according to the percentage of transaction volume, and the deduction rate is different according to different industries:
1. General industries 1%, special industries about 2% (such as hotels, guesthouses, jewelry, handicrafts, etc. ).
2. For bulk transactions and wholesale transactions, the discount rate is capped, generally 0.5%- 1%, and the single 20 yuan or 50 yuan is capped.
3. The handling fee shall be borne by the merchants and deducted when UnionPay liquidates the funds. Among the proceeds, 70% is from the issuing bank, 0/0% is from UnionPay/KLOC, and the rest is from the acquiring bank or acquiring company.
4. Any other deduction rate, such as 0.4%, 0.8%, 1.6% or 1.8%, etc. Different industries are different and the whole country is unified.
POS card processing fee is deducted from the merchant's account according to the industry and business scope of the merchant's business license.
Pos card processing fee
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.
So much for the introduction of credit card pos charge.