We all know that it is possible to buy cards in shopping malls and supermarkets, but it is necessary to charge a fee. Then, how to charge the POS machine fee, what is the POS machine fee collection standard, let's take a look. The Bank card notification fee shown in the attachment notice maintains the differential pricing of the current credit card processing industry. The industry classification is mainly divided into four categories: catering and entertainment, general, people's livelihood and public welfare. The overall reduction is 23%. 24%, of which the catering and entertainment category was down by 37.5%, which is good for consumers. For merchants and consumers, this is like a long drought. Stainless Steel Bullet Shape Bottle
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The first category is food and entertainment, including catering, entertainment, jewellery, arts and crafts, real estate and automobile sales. The overall rate has been reduced from 2% to 1.25%, a drop of 37.5%. It was originally a general bath and massage. The service, health care, and beauty SPA industries were all raised to 1.25%, and the single-rate rate for real estate vehicle sales was raised from the original 10 yuan to 80 yuan.
The second category is general, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots, etc. The overall rate is lowered to 0.78%, while the wholesale category is capped at 26 yuan.
The third category is the people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity gas payment, refueling, transportation and ticket sales, etc. The overall rate is 0.38%.
The fourth category is hospitals, education and other public welfare categories with zero rates.
A test report by Goldman Sachs Gao Hua Securities previously believed that a 25% reduction in handling fees would affect all bank card fee income, with a negative impact on the pre-tax profit of the entire banking industry of 1.5%, including Bank of Communications, Minsheng Bank, and Ping An. Banks and Everbright Bank were the most affected.
Bank insiders believe that the downward adjustment of the rate will have a greater impact on the bank's credit card business income, and the income from the acquiring business may fall by about 20%. At present, the income structure of the credit card department of the banking industry accounts for a large proportion of the acquiring business, accounting for nearly 60%. Left and right, followed by card-issuing income accounted for 40%, interest, penalty interest and other income ratio is small.
According to internal professionals, the bank card crediting fee standard displayed in the attachment of the central bank notice maintains the differentiated pricing of the current credit card processing industry. The industry classification is mainly divided into four categories: catering and entertainment, general, people's livelihood and public welfare. The range is 23% to 24%, of which the restaurant and entertainment category is down by 37.5%, which is good for consumers. For merchants and consumers, this is like a long drought.
After September 26, 2016, the second round of credit card rate reform will be launched, and the loan will be separated. From September 6, 2016, the credit card will not be capped, the savings card will be capped, and the credit card will be merged from the original 4 categories. For the two categories, the general and high-yield credit card rates are reduced from the original 0.78%.1.25% to 0.58%. (The above information is for reference only. The specific deduction rate is subject to UnionPay.) According to the internal staff of UnionPay, the specific rules To be released in mid-August, third parties and UnionPay are currently laying the groundwork for the policy to be released on September 26.
August 23, 2023