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.

Is there a handling fee for using pos brush for credit card?

There is no handling fee for cardholders to swipe pos machines with credit cards.

According to the regulations of the bank, the cardholder does not need to pay the card-swiping fee, and the POS card-swiping fee is borne by the merchant. The handling fee rate varies from industry to industry. POS card processing fee is deducted from the merchant's account according to the industry and scope of the business license of the merchant.

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

Shopping mall staging, also known as POS staging, refers to cardholders going to shopping places, such as "shopping malls" that can be staged. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).

Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.

Mail-order installment means that the cardholder receives the installment mail-order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc.

Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.

Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.

How to calculate the handling fee of credit card pos?

Different pos machines have different charging standards.

1. If smart pos machines pay by QR code, the handling fee is generally 0.38%, which is the same as that of traditional pos machines.

2. The mobile phone pos machine is connected with the pos machine through Bluetooth for consumption, and the handling fee for this credit card consumption mode is generally 0.68%+3 yuan/pen.

3. The standard handling fee for traditional pos machines is 0.6% for credit card swiping, with a maximum of 20. If you use a credit card in supermarkets, gas stations and other preferential merchants, the handling fee is 0.38% of the credit card, with a maximum of 18. There is no charge for swiping cards in public hospitals, schools and other places.

Other provisions:

1.After the fee reform of 65438+96 in 2006, the central bank formulated a unified charging standard for credit cards, that is, the charging standard for credit cards was 0.6% of the standard category. For example, if we cash in 10000 yuan, then the handling fee is 10000.6% = 60 yuan.

2. The above are the standard types of merchants, including preferential relief and public welfare.

According to the current unified rate policy, the credit card rate of preferential merchants is 0.38%-0.48%, and that of public welfare merchants is 0.

When we cash out, we determine the credit card rate according to the specific merchant type code, that is, MCC code. Generally, we can see it on the printed transaction documents after swiping the card on the POS machine. There is a string of 15 merchant numbers on the transaction receipt, in which the 8th-11is MCC code.

For example, if the MCC code is 58 13, then the representative business type is leisure drink places (bars, pubs, coffee shops, cafes, teahouses), and the business classification is catering and entertainment, and the credit card rate is 0.6%.

POS 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. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.

Fixed POS machine

The advantages are:

1, software upgrade and maintenance is relatively easy;

2, network dialing mode, fast dialing speed;

3. It is easier to clear POS transactions.

Disadvantages: online operation is required, and guests need to pay at the cashier.

Merchants suitable for integrating transformation projects.

How much is the handling fee for swiping a credit card with a pos machine?

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.

Six, in public schools and public hospitals, banks do not charge.

Use your ID card to run a pos machine and swipe your credit card. How does this affect your credit card? Let's not talk about anything else. Let's clarify the process of fund settlement first: 1. Nowadays, many pos machines take cash in seconds. But in fact, these funds don't go directly to our account, that is to say, after each brush, the money usually goes to the cooperative bank or other acquiring institutions in advance. Money can only flow to us through this process.

So how does the money flow after the credit card is swiped?

First of all, they all flow into the UnionPay reserve account in a unified way. Wait until the next day, that is, after the second working day, these accounts are settling the amount for the merchants of pos machines. This is actually like a wall, blocking the information of both sides. In other words, there is no connection between the credit card issuer and the settlement bank, and neither party can see the transaction information of the other party.

Generally speaking, pos will automatically assign us a merchant, that is, the system will automatically match us after swiping the card. Generally speaking, there are businesses with points, such as restaurants, entertainment, hotels and other businesses that we are familiar with. In this case, it is of great help to Ting Er, because the information received by UnionPay and the bank shows that the consumption of these cardholders is real consumption, and the points are very high, which is of great help to Penguin. In this case, you don't have to worry about this or that at all, just hold the card brush.

Credit cards belong to bank cards, but pos machines belong to third-party payment companies, and information does not flow between them. In other words, the bank can't see who is the owner of the pos machine at all, and the payment company doesn't know who is the cardholder. So it is no problem to swipe your credit card with your own pos machine. But when you swipe your card, you must remember one thing, that is, when looking for machines, you must look for those clean machines, and never look for those messy machines. In that case, the harm will be great. For example, if you spend money here sometimes, his bill will appear there, and such a problem will arise. For example, you slept in a hotel for one night, but the bill was printed out, and you spent some medicine in the hospital. This seems very wrong, so try not to do so to avoid unnecessary danger, and don't let the bank's risk control system catch you.

Finally, I want to say that in principle, it is no problem to swipe a credit card with a pos machine run by an ID card. When we usually swipe our cards, we should also spend reasonably, be clear about our financial situation and not spend money indiscriminately. Only by swiping the card reasonably can the credit card limit be increased.

If you can check the credit big data, you'd better check it. Take good care of your credit at ordinary times, so that you won't be rejected when you apply for a card!

How much is the handling fee for pos card swiping?

The handling fee charged by POS machines for swiping cards 1 10,000 yuan is as follows: standard merchants: 0.6% for swiping cards, and 60 yuan handling fee is charged for swiping cards 1 10,000 yuan; The handling fee rate of the savings card is 0.5%, and the 20 yuan (capped) fee will be charged for 10,000 yuan. Preferential merchants: the credit card rate is 0.38%, and the 38 yuan handling fee is charged for swiping 1 10,000 yuan; The handling fee rate of the savings card is 0.4%, and the charge is 1 ten thousand yuan handling fee 18 yuan (capped). Public welfare: there is no handling fee for credit card and savings card consumption.

Because the types of merchants are different, the proportion of handling fees is also different. The handling fee for the savings card is 0.5%. Ordinary savings cards are directly capped in 25 yuan. If you swipe your card 1 10,000 yuan, it will not be deducted after reaching the handling fee in 25 yuan, so the final handling fee is 25 yuan. However, the handling fee for deducting 10,000 yuan from the pos machine depends on what card the consumer swipes. The handling fee for a credit card is 0.6%, so the handling fee for 60 yuan needs to be deducted 10,000 yuan.

There is a certain discount of 0.38% for the handling fee of preferential merchants. For example, large supermarkets and gas stations can handle such preferential POS machines and need corresponding business licenses. If you swipe your card 10000 yuan, 38 yuan's handling fee will be deducted.

If you swipe your card in a school or government department, what is the handling fee for pos machine deduction 1 10,000 yuan? Because this kind of business has zero handling fee, there is no handling fee for each swipe, no matter how much. This kind of business is indeed more cost-effective, but it is not often consumed.

The handling fees for bank pos machines are as follows:

Bank of China: The standard debit card pos charge rate is 0.5%-20%, and the credit card charge rate is 0.6%.

Agricultural Bank of China: the standard debit card pos credit card rate is 0.38%- 16, and the credit card rate is 0.38%.

Industrial and Commercial Bank of China: The standard debit card pos charge rate is: 0.5%-20 cap, and the credit card charge rate is 0.5%.

China Construction Bank: The charging standard of standard debit card pos card is: 0.5%-20 caps, and the charging standard of credit card is 0.3%.

Bank of Communications: The charging standard of standard debit card pos card is: 0.5%-20 caps, and the charging standard of credit card is 0.6%.

Ping An Bank: The charging rate of standard debit card pos machine is 0.335%- 19.75, and the charging rate of credit card is 0.633%.

How to calculate the handling fee for brushing pos machines?

1, use of pos

POS machine is like a calculator, with a small gap beside it; It's used to swipe your card. The function of Pos machine is: merchants can use POS machine to collect the transfer authority of payment methods such as WeChat, Alipay and credit card, and can also bind accounts to check the balance.

2. What is the handling fee standard for 2.POS card swiping?

The national charging standard for POS machines is 0.6%, that is to say, you only need to pay the 60 yuan handling fee of swiping the card 1 10,000 yuan. Suppose the transaction amount is 10000 yuan, and the fee charged by the user when swiping the card with the POS machine is 60 yuan. The state divides POS machine rates into three categories:

(1) standard class

The handling fee for standard POS machines is 0.6%.

(2) Preferential categories

Preferential POS machine handling fee of 0.38%, such as supermarkets, gas stations, train tickets, plane tickets and other ticketing outlets.

(3) relief category

Public hospitals, public schools, welfare homes, charities, etc. Both have zero interest rates.

This is the end of the introduction about why the handling fee of credit card pos machine and credit card pos machine are so high. I wonder if you have found the information you need?