How to calculate the handling fee for paying tuition fees with UnionPay cards on POS machines?

Anywhere in the country, when the cardholder makes a purchase at any credit card machine! There are no processing fees to pay! That is to say, how much you pay, if you choose how much cash you choose, then how much you pay with your card, and the handling fee is paid by the merchant or the unit that installed the credit card machine, and has nothing to do with the cardholder.

China UnionPay National Service**95516 Shenzhen UnionPay 88318394

There is no handling fee for taking UnionPay cards for local or overseas purchases.

It's just that the bank will charge a merchant's fee, for example, your school belongs to a merchant.

If he insists that you bear it, it depends on how much he takes you.

Oh, the POS machine for school payment should be the bank's internal machine, and there is no handling fee.

As long as it's a POS machine, don't charge a fee, don't worry, my husband is from the bank.

There is no handling fee for depositing at the location of the card, and there is a handling fee for depositing at your home, which seems to be 5/1000.

That's what I do, the general school is a big customer, our students don't have to pay the deduction rate, UnionPay will implement a monthly subscription for places like the school, because he only uses the school year.

There is no fee for swiping the card with a POS machine.

In general, the card fee is paid by the merchant, and you don't need to pay extra fees.

According to the regulations, for general types of merchants, the fixed income of the card issuer is the transaction amount, and the standard of UnionPay network service fee is the transaction amount; For merchants in the categories of hotels, catering, entertainment, jewelry, gold ornaments, and arts and crafts, the card issuer and UnionPay will charge the sum of the transaction amount respectively.

Others are eligible for discounts. For example, for airline ticketing, refueling, supermarkets and other types of merchants, the fixed income and UnionPay network service fees of the card issuer will be reduced by half compared with the general types of merchants, that is, the sum of the transaction amount respectively; For real estate and automobile sales merchants, although the fixed income and UnionPay network service fees of the card issuer are charged according to the standards of general merchants, the maximum income of the card issuer shall not exceed RMB 40 per transaction, and the maximum service fee of UnionPay network shall not exceed RMB 5. For wholesale merchants, the upper limit of the fee is 16 yuan and 2 yuan respectively; to public hospitals.

and public schools, card issuers and UnionPay do not charge fees for the time being.

1. The merchant's formalities and search fees (source book or merchant deduction rate) are determined by the acquirer and the merchant through negotiation.

2. Cardholders do not need to pay any handling fee for using UnionPay cards.

The handling fee rate of POS is deducted as a percentage of the trading volume, and the deduction rate varies according to different industries

1. 1% for general industries and about 2% for special industries (such as hotels, hotels, jewelry, handicrafts, etc.).

2. For bulk transactions and wholesale transactions, the deduction rate is capped, generally 20 yuan or 50 yuan for a single transaction.

3. The handling fee shall be borne by the merchant and shall be deducted when UnionPay clears the funds. 70% of the revenue is obtained by the issuing bank, 10% is the fixed part of the income, and the rest is the income of the acquiring bank or acquiring company.

4. Any other deduction rate, such as or so on, has different handling fee rates for different industry types, which is unified across the country.

The consumer will not deduct the money from the consumer's bank account by swiping the card on the POS machine, and the handling fee deducted from the card of the POS machine will be deducted from the merchant's bank account. The POS machine card handling fee is deducted from the merchant's account according to the industry and business scope of the merchant's business license. At present, the handling fee of UnionPay POS machines in China is uniformly stipulated in the Measures for the Distribution of Inter-bank Transaction Proceeds of Bank Cards of China UnionPay Network Access Institutions.

Among them, the handling fee for consuming POS is roughly as follows:

2. Pharmacies, small supermarkets, wholesale departments, specialty stores, clinics and other merchants with low POS card consumption are generally deducted from the consumption amount.

3. Hotels, catering, entertainment, jewelry, and arts and crafts stores generally deduct the consumption amount.

4. The general deduction rate of real estate and automobile sales merchants is a fixed handling fee, which is deducted according to the number of POS consumption card swipes, or the handling fee is capped at RMB.

5. The factory deduction rate of large-scale wholesale, first-class merchants, and production and processing enterprises is capped at the yuan and the handling fee is charged.

It's all different.

So choose the right POS machine.

is very important.

I know the lowest rate.

The cardholder is not responsible for any additional charges. If the merchant has to bear the additional fee due to the customer's choice to pay by card, the merchant can complain to the card issuer or China UnionPay in China.

1.Standard class, credit bai card swiping; Savings du

Card swiping, up to 20 yuan. Take 10,000 cards as an example, dao

The handling fee for credit cards is 60 yuan, and the handling fee for savings cards is 20 yuan; Capacity 2Preferential categories, such as large supermarket chains, livelihood payment classes, and gas stations, the handling fee is usually a credit card; The savings rate is capped at $18.

The new policy, which came into effect on September 6, 2016, abolishes the pricing of merchant industry categories and differentiates the billing of debit and credit cards.

Among them, if the debit card transaction does not exceed the transaction amount, the single fee amount shall not exceed 13 yuan; If the credit card transaction does not exceed the transaction amount, the single cap control shall not be implemented. The network service fee does not distinguish between debit and credit cards, and if the rate is reduced to no more than the transaction amount, the maximum amount charged for a single transaction shall not exceed RMB.

The service fee for the acquiring link is changed from the current ** guide price to the market-adjusted price, and the acquirer and the merchant negotiate to determine the specific rate.

If the credit card fee level is adjusted to the transaction amount of the debit card, the maximum single fee is 20 yuan; If the credit card is the transaction amount, the cap will be removed.

The POS handling fee formula is the consumption amount multiplied by the POS handling fee elimination rate.

After the store accepts the customer's credit card, it will be charged a fee of 2 to 3% to the bank and credit card center. This is called the card processing fee. Authorized stores are required to pay a handling fee of 2 to 3 percent to the bank and credit card center after accepting the customer's credit card.

In order to save costs, some manufacturers will require cardholders to pay additional processing fees, because the card must be invoiced, so that the store cannot evade taxes.

According to the current Measures for the Distribution of Inter-bank Transaction Proceeds of Bank Cards of China UnionPay Network Access Institutions, the settlement fees of bank card acquiring business are all borne by merchants, but the rates implemented by different industries are different, ranging from 4%. Generally speaking, the credit card handling rate for the retail industry is 2% for supermarkets and 2% for the catering industry.