1. For hotels, restaurants, entertainment, jewellery, handicrafts and other businesses, the fixed income of the issuing bank is 65438+ 0.4% of the transaction amount, and the standard of UnionPay network service fee is 0.2% of the transaction amount.
2. For general merchants, the fixed income of the issuing bank is 0.7% of the transaction amount, and the standard of UnionPay network service fee is 0.65438+ 0% of the transaction amount.
3. For real estate and automobile sales merchants, the fixed income of the issuing bank and the UnionPay network service fee are charged according to the general merchant's methods and standards, but the highest income of the issuing bank does not exceed that of 40 yuan, and the highest UnionPay network service fee does not exceed that of 5 yuan. For wholesale merchants, the maximum income of the issuing bank shall not exceed 16 yuan, and the maximum network service fee of UnionPay shall not exceed 2 yuan.
4. Used in gas stations, supermarkets and other businesses. , the issuer's fixed income and UnionPay network service fee are charged by half according to the general business type, that is, the issuer's fixed income is 0.35% of the transaction amount, and the UnionPay network service fee standard is 0.05% of the transaction amount.
5. For public hospitals and public schools, the issuing bank and UnionPay will not participate in the income distribution for the time being.
Extended data:
The People's Bank of China is responsible for organizing all commercial banks, bank card clearing organizations and acquiring institutions to prepare and implement the adjustment of credit card handling fee policies. The Ministry of Commerce is responsible for organizing the China Business Federation to explain and explain policies to merchants.
All card-issuing banks, acquiring institutions and bank card clearing organizations should do a good job in linking up the adjustment of credit card charges, and organize professionals to transform and test the charging system according to the adjusted charging standards. Each acquiring institution shall re-sign the acquiring contract with the contracted merchants within the specified time.
All acquiring institutions and bank card clearing organizations should establish a self-discipline and restraint mechanism, strengthen the audit of public welfare and low-rate merchants, prevent illegal applications for low-rate merchants, and ensure that credit card fees are fully receivable. The bank card clearing organization shall specify the specific applicable rate standards of various merchants and the specific scope of public welfare organizations, and report to the National Development and Reform Commission for the record.
Baidu Encyclopedia-China UnionPay Network Access Agency Bank Card Inter-bank Transaction Income Distribution Method
Baidu encyclopedia-credit card handling fee