At present, some banks have announced the latest credit card processing rate standards in advance. Overall, after the implementation of the New Deal, the biggest benefit of the entertainment catering industry. According to industry analysts, although the card processing fee adjustment involves issuing banks, acquiring institutions, clearing houses and merchants, it will allow consumers to experience a more convenient credit card environment and enjoy the ultimate benefits.
Bank announces the latest card processing fee rate
The bank card crediting fee is mainly the billing service fee charged by the acquiring institution, the card issuing bank service fee collected by the card issuing institution and the network service fee charged by the bank card clearing institution.
The reporter was informed that after the adjustment of the credit card rate, one will reduce the service fee rate of the issuing bank. Debit card transactions do not exceed 0.35% of the transaction amount, and credit card transactions do not exceed 0.45%. In addition, the network service fee rate level is further reduced. The network service fee is collected by the bank card clearing institution separately from the acquiring and issuing agencies. The rate level is reduced to not exceed 0.065% of the transaction amount, which is 50% for each of the acquiring and issuing agencies.
It is worth mentioning that in the future, a single capping measure will be implemented for the service fee and network service fee of the issuing bank. The maximum fee for a card-issuing service fee for a debit card transaction is no more than 13 yuan, and the credit card transaction is not subject to a single cap control; the network service fee is not debited or credited, and the maximum amount of a single transaction is not More than 6.5 yuan.
The reporter learned from a joint-stock bank that the bank had sent the latest rate standard to the merchant. If there is any doubt, it can contact the bank before August 26.
Consumers will be refused to swipe their cards.
Due to the current differential rate of different merchants' card processing fees, there are some differences in the profitability of merchants in different industries after adjustment. Among them, the most profitable entertainment catering industry, the industry's highest rate of card swiping before, was 1.25%, after adjustment, the decline was more than half.
"Sorry, the POS machine is broken, you pay cash." I believe that many people have encountered this situation when they are dining or when they want to pay by KTV. Since merchants need to pay different proportions of fees when they use the card, sometimes the merchants simply refuse to consume the card.
"Consumers swipe 100 yuan, we have to pay 1.25 yuan, a lot of money a year. After the reduction, the burden is also reduced for us." On the 8th, Mr. Zhang opened a small bar in the urban area. Tell the reporter.
Bankers said that although the policy adjustment involves the issuer banks, acquirers, clearing houses and merchants, as the cost of merchants' credit card declines, more merchants will be willing to provide services to customers through credit card. The public's consumption will be more convenient and faster, and will get a better card experience. Saving the commission will also allow the merchant to have more space to engage in some promotional activities, and ultimately consumers will get benefits.
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