Specific calculation formula: credit card service fee = credit card rate × credit card amount.

1. Credit card handling fee is usually the fee paid by merchants to banks and third-party institutions, that is, it is deducted from the cardholder's card amount, and the rest is the amount actually received by merchants. Some merchants will refuse to swipe their cards unless the cardholder voluntarily bears the handling fee, so it is necessary to understand the charging standard and algorithm of the handling fee for swiping cards.

2. The general credit card service fee is determined by the POS credit card rate and card amount. The rate of traditional credit card and flash payment is different. If you swipe your card in the traditional way, such as inserting the card directly into the POS machine, the standard rate is 0.6%; Flash payment, 0.38% below 1000 and 0.6% above 1000.

1. Shops need to pay 2-3% handling fee to banks and credit card centers after accepting customers' credit cards. This is called credit card handling fee. 20 12,110/0, the central bank issued the Notice of the People's Bank of China on Implementing the Adjustment of Credit Card Processing Fees, saying that this fee reduction only involves domestic bank card consumption transactions. On February 25th, 20 13, the Regulation on Merchants' Credit Card Fees implemented in 2003 was abolished at the same time, and the overall credit card rate was lowered by 23% to 24%.

2. After accepting customers' credit cards, specialty stores should pay 2-3% handling fees to banks and credit card centers. In order to save costs, some manufacturers will ask cardholders to pay extra fees, because credit cards must be invoiced, so stores can't evade taxes.

3. According to the current income distribution method of inter-bank transactions of bank cards of China UnionPay network access institutions, the settlement fees of bank card acquiring business are borne by merchants, but the rates implemented by different industries are different, ranging from 0.5% to 4%. Generally speaking, the credit card rate of retail industry is 0.8%- 1%, that of supermarket is 0.5%, and that of catering industry is 2%.

4.20 12,11June, the central bank issued the Notice of the People's Bank of China on Practically Adjusting and Implementing the Standard of Credit Card Fees, stating that the fee reduction only involved domestic bank card consumption transactions, and the merchant credit card service fee implemented in 2003 was cancelled at the same time from February 25th, 20 13, and the overall credit card rate decreased by 20%.

5. The central bank notified the bank card processing fee standard shown in the annex to maintain the differentiated pricing of the current card processing fee industry. Industry classification is mainly divided into four categories: catering and entertainment, comprehensive, people's livelihood and public welfare. The overall decline was 23% to 24%, of which catering and entertainment decreased by 37.5%.

6. The first category is catering and entertainment, including catering, entertainment, jewelry, handicrafts, real estate and automobile sales. The comprehensive rate decreased from 2% to 1.25%, a decrease of 37.5%. Among them, the service fee of the issuing bank is 0.9%, the network service fee of the bank card clearing institution is 0. 13%, and the benchmark price of the acquiring service fee (which can fluctuate up and down 10%) is 0.22%. The unit price of real estate and automobile sales has increased from the original10 yuan to 80 yuan.

7. The second category is general, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots tickets, etc. , the comprehensive rate was reduced to 0.78%, including 0.55% for the service fee of the issuing bank, 0.08% for the network service fee of the bank card clearing institution, and 0.15% for the benchmark price of the service fee for acquiring.

8. The third category is people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity payment, refueling, transportation ticketing, etc. , the overall rate is 0.38%. The fourth category is hospitals, education and other public welfare categories with zero interest.

How to calculate the credit card 8 points?

The 8-point algorithm of credit card is as follows

8 points for a credit card with 5000 is 50000.08=400 yuan. There is no charge for handling credit cards. Those who charge are swindlers, fooling with fake cards, or stealing funds from personal credit card information. Don't believe it.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

How to calculate the credit card handling fee?

If you swipe your card directly on the POS machine, it will be charged at the standard rate of 0.6%. The rate of third-party POS machines will be higher, and a single service fee will be charged, regardless of the rate.

1. Credit card fees vary. The handling fee of credit card is generally borne by the merchant, but sometimes it may be larger. The charge will be deducted from the consumer's credit card. The rest is the amount actually received by the merchants, and some merchants are reluctant to let consumers use credit cards. Because if users want to use credit cards, they have to bear the cost. Credit cards have two main functions, one is to spend by swiping the card, and the other is to withdraw cash. The expenses incurred in different situations are different. If the cardholder directly uses the credit card to spend 10000 yuan, the cardholder will not charge the service fee.

2. As long as the user repays on time within the specified repayment period, the cardholder can enjoy the interest-free period without paying any interest and service fees. If the cardholder can't repay in full within the specified time, in order to avoid installment payment, the user can choose to pay by installment or repay the specified minimum amount. Installment requires a handling fee, which varies according to the cut-off fee. If the user chooses the minimum repayment amount, interest will be charged at the daily interest rate of 0.05%, and the minimum repayment amount will be compounded monthly until the cardholder pays off the balance.

3. Minimum repayment amount of credit card = consumption within the credit line × 10% cash transaction amount in advance × 100% unpaid part of the last minimum repayment amount × 100% extra consumption within the credit line × 100% all expenses and interest. If the cardholder uses a credit card to withdraw cash, a handling fee will be charged according to the percentage of the cash withdrawal amount. Different banks charge different fees. For example, China Everbright Bank, Agricultural Bank of China and Bank of Communications charge a withdrawal fee of 2.5%, which is generally 1%-3% of the withdrawal amount, that is 1 10,000 yuan. The commission is about 100-300 yuan.

In addition to the handling fee, there is a daily interest of five ten thousandths. Although the cardholder does not need to pay the handling fee when using the credit card within the prescribed repayment period, the bank will charge the merchant's handling fee, and different types of merchants will charge the credit card handling fee. If ordinary merchants use credit cards to spend money, the rate is usually 0.6%, that is, if they use credit cards to spend 10000 yuan, banks can charge merchants a 60 yuan handling fee. Please consult the bank for details.

How to calculate the charge for credit card swiping? How much is the handling fee for 10 thousand deduction

Nowadays, many people use credit cards to spend money in their daily lives, and swiping cards will generate handling fees. Although it is generally borne by merchants, it is best for cardholders to understand how this fee is calculated. Then, how to calculate the handling fee for credit card swiping? How much is the handling fee for 10 thousand deduction? Let's briefly introduce it today.

How to calculate the charge for credit card swiping?

Credit card processing fee is usually the fee paid by the merchant to the bank and the third party, that is, deducted from the cardholder's credit card amount, and the rest is the amount actually received by the merchant. However, some merchants will refuse to swipe their cards unless the cardholder voluntarily bears the handling fee, so it is necessary to understand the charging standard and algorithm of credit card handling fee.

The handling fee for general credit card swiping is determined by the rate and amount of POS card swiping. But the traditional credit card method is different from flash payment. If the card is swiped in the traditional way, such as directly inserting the card into the POS machine, the standard rate will be implemented; Pay by flash credit card. If it exceeds 1000, it will be charged.

Specific calculation formula: credit card handling fee = credit card rate × credit card amount.

How much is the handling fee for 10 thousand deduction?

If the credit card costs 10000 yuan, you should use the traditional method to swipe your card, that is, 10000 yuan, and at least 60 yuan's handling fee will be charged.

If you use flash payment to swipe your card, you should directly pay the standard rate 1000 yuan, and at least pay the 60 yuan handling fee. If it is divided into several small amounts of less than 1 ,000 yuan, that is, you can swipe your card 1 time, then the 38 yuan handling fee will be enough.

The above is "How to calculate the credit card handling fee?" How much is the handling fee for 10 thousand deduction? I hope it will help everyone.

How to calculate the handling fee for swiping a credit card?

The handling fee for swiping a credit card is 1%-2.5% paid by the merchant to UnionPay, and no personal responsibility is required. It is illegal for merchants to let consumers bear the handling fees themselves. If the merchant asks the consumer to pay the handling fee himself, the consumer can refuse and complain to the UnionPay customer service center.

For POS merchants, the transaction fee of UnionPay card will be deducted for each transaction; For general supermarkets, 0.38% will be deducted; For general merchants, 0.78% will be deducted; Jewelry, catering and entertainment business, deducting1.25%; And for merchants in the wholesale market, 0.78% will be deducted, regardless of credit cards and debit cards. It is the same standard.

Extended data:

Precautions for credit card use:

Don't be too early: try not to swipe your card before 9: 00 am, because according to common sense, most shops are not open yet.

Don't be too late: 1 1 Try not to swipe your card in the evening, because according to common sense, most shops are closed and online transactions are not affected by time.

Don't brush integers: don't brush integers such as 10000, 5000, etc., and try not to use decimal points every time you swipe your card. The amount of swiping your card should not be repeated or regular.