Yes, there is a handling fee for all kinds of domestic cards to swipe here. China Merchants Bank charges 1.5%. Foreign currency cards are replenished at the exchange rate. Taking the UnionPay channel also has the problem of poor rate, but it will be more cost-effective. So when you swipe your card in Canada, you'd better ask if you can use UnionPay first, and if you can, use UnionPay to swipe it.

If it helps you, please adopt it.