The daily interest rate refers to the loan amount multiplied by the daily interest rate. For example, a ratio of 0.38 means 0.38%. In fact, 3.8 yuan charges a handling fee of 1000 yuan, and 0.38% of the transaction amount is used as the handling fee. Generally, the rate of 0.38 is the rate of supermarket credit card. When shopping in a shopping mall or supermarket, the merchant will deduct a handling fee of 0.38 after swiping the card, which will be borne by the merchant himself.

The rate of 0.38 is the normal rate of merchants. If it is a personal rate, don't believe it. It is illegal for individuals to swipe 0.38.

Minimum debit card rate: 0.35% for the issuing bank (the maximum transaction is 65,438 yuan +03)+ 0.065% for UnionPay clearing rate (the maximum transaction is 3.25 yuan) and bill collection service fee (market-adjusted price).

Extended data

Before the fee reform, the domestic credit card rate was linked to the industry classification, and the credit card rate for catering and entertainment was the highest, which was 1.25%. General merchants such as department stores are 0.78%; 0.38% for supermarkets and gas stations; Hospitals, education and other public welfare categories are zero.

According to the requirements of 96 fee reform, the service fee of the issuing bank is no longer divided into merchant categories. In other words, the cancellation of classified pricing of merchants' industries has greatly reduced the rate level of credit cards.

The New Deal shows that the card-issuing bank's service fee rate is lowered to 0.35% for debit card transactions and 0.45% for credit card transactions. However, business friends, don't look. You must look down. UnionPay and the acquiring company haven't counted yet.

The network service fee rate charged by the bank card clearing institution is reduced to no more than 0.065% of the transaction amount, and the card issuer and the acquirer each bear 50%. In terms of categories, the expenditure on credit card processing fees of catering enterprises can be reduced by 53%-63%, and merchants in department stores and other industries can be reduced by 23%-39%. After the implementation of the New Deal, public welfare credit cards such as hospitals and education are still zero.

Baidu encyclopedia-basic rate

Principles and methods of establishing relative weight, basic rate and service price of DRG knowledge network.