How to calculate the POS cash register fee

With the development of electronic technology, many things are more and more convenient. For example, the popularity of card consumption, all major business merchants need a POS cash register to meet the needs of various customers, many users do not know in the business Is it necessary to pay the handling fee for the credit card consumption at the POS cash register? How is the advantage of the card processing fee rate calculated? Today, Xiaobian will tell you.

The POS cash register credit card fee is paid by the merchant, not the consumer. The commission rates for different industries are also different.

Businesses are divided into five categories:

(1) Public welfare schools and colleges and universities do not charge credit card fees;

(2) The hotel catering industry card processing fee is 2%;

(3) The wholesale merchant's credit card handling fee is 1%, and the 20-yuan cap is capped;

(4) The handling fee for retail, department store and supermarket credit card is five thousandths;

(5) 1% in the automotive industry, with a cap of 50 yuan.

According to the calculation of this handling rate, the consumption of RMB 100 per 100 yuan will generate a cost of 0.6 yuan.

In October 2011, the National Development and Reform Commission issued a draft for comments, and solicited opinions from UnionPay and commercial banks on the adjustment of credit card fees.

In August 2012, the rate adjustment plan was communicated internally by two commercial banks. The adjusted plan is: the industries that have declined are general wholesale merchants, gas stations, supermarkets, restaurants and entertainment industries; Merchants and auto wholesale merchants; in addition, general wholesale merchants have increased the transaction cap and fee caps.

In fact, many merchants have said that the handling fee for credit card is too high, which leads them to refuse customers to swipe their cards at POS cash registers. Especially for some small restaurants and small businesses, such handling fees are even more unaffordable. There will be requests from merchants to reject customer credit card purchases for reasons of machine failure or lack of paper.

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