The handling fee deduction is divided into the following two situations:
1. The seller has not opened a credit card for payment. In this case, the 1 handling fee for Taobao credit card payment will be deducted from the amount paid by the buyer. deduction.
2. The seller has activated credit card payment. In this case, the buyer can directly pay by credit card on Taobao without paying 1 handling fee.
Use quick payment, online banking and other methods for online shopping through Alipay. Direct payment by credit card and debit card can be used normally.
Users can use credit cards to pay directly to merchants when shopping online, which is more convenient and faster.
Extended information
There is "trouble" in buying and selling large-value items
For buyers, the biggest impact of the new regulations is large-value payments. Since last year, many domestic banks have reduced credit card online payment limits. Affected by this, when buyers purchase items such as air tickets and home appliances that cost thousands of yuan, they basically recharge their Alipay accounts several times through credit cards, and then use their Alipay accounts to complete the transaction. After the new regulations are implemented, this large-value payment method will become invalid.
Some netizens said that they used to use credit card overdrafts to top up their Alipay accounts to pay utility bills and credit card repayments to meet urgent needs, but these methods no longer work.
“For sellers who have activated the credit card payment function, transaction costs will increase.” Mr. Sun, a Taobao seller, said that if a buyer uses a credit card to purchase goods, the seller will have to pay a handling fee of 1 to the bank. In the past, in order to "shield" the handling fee, sellers would usually indicate on the product page: If the buyer uses a credit card to purchase, please first recharge the money on the credit card to the Alipay account before purchasing the product.
Reference material: People's Daily Online - Alipay stops credit card transfers, Taobao buyers' large payments may be affected