A few points on Alipay PF

A few points on Alipay PF

What is the rate for Alipay scanning code with POS machine, what is the payment rate for Alipay scanning code

Views: 11202022-09-10 01:24:24

Many friends are still not very clear about Alipay’s QR code scanning rate with POS machine and Alipay’s QR code scanning payment rate. Today I will talk about this in detail with you. You can read it, I hope the article can bring you reference value.

What are the POS collection fees and account arrival fees?

There is no handling fee for POSS machine payment

1. Standard category: 0.6

Standard category: 0.45 for the issuing bank, 0.0325 for UnionPay (respectively to the issuing bank and payment institution), the handling fee charged by the acquiring institution = 0.6 - card issuing bank - UnionPay network service fee.

2. Reduction and exemption category: 0.38-0.48

The card issuing bank charges 0.325 and UnionPay 0.0325 (charged to the card issuing bank and payment institution respectively), so the handling fee for the reduction and exemption category is generally 0.38-0.48 0.48.

3. Public welfare category: 0 rate

Public welfare category: 0 rate

As can be seen from the above sharing data, the handling fee for standard merchants It is the highest, so as long as you check the credit card points rules, you will know that merchants with points by swiping the card are standard merchants, such as restaurants, department stores, hotels, etc.!

Which institutions charge for swiping cards at POS machines?

1. Card issuer service fee

The bank where the credit card is held by a credit card user is called the card issuer. The card issuer charges it to the acquirer. Debit card: not higher than 0.35, credit Card: no higher than 0.45. The single service rate charged by the card issuing bank shall not be higher than 0.45. For example, if a POS machine is used to swipe a Bank of China credit card, then Bank of China, as the card issuing bank, can only charge a maximum handling fee of 0.45 of the POS machine transaction amount. If the transaction amount is 10,000 yuan, China The bank charges a handling fee of 45 yuan. Currently, all card issuers charge fees according to the highest standard (0.45).

2. Clearing agency service fees

The clearing agency refers to UnionPay (the operating agency of the online payment and clearing platform of non-bank payment institutions). The total proportion of card swiping fees collected by the clearing agency cannot exceed 0.065 of the amount of a single card swiping transaction, of which the card issuer and the acquiring institution each bear 50, that is, each bears 0.0325 of the amount of a single card swiping transaction. The sum of the two shall not be higher than 0.065.

3. Acquirer (third-party payment) service fee

Acquirer generally refers to third-party payment companies, such as: UBS, Lakala, Yinshengtong, Alipay , Tenpay, JD.com, etc. are all acquirers and are managed by the People's Bank of China. The acquirer will implement market-adjusted prices based on the rates charged by the card issuer and clearing agency, and charge them to merchants by adjusting the card swiping fees of POS machines.

To put it bluntly: POS machine card swiping rate = card issuer 0.45, clearing agency 0.065, acquirer service fee, UnionPay brand service fee 0.02 = 0.535 acquirer service fee (0.05-0.1 floating). At present, the standard merchant rate for most POS machines is around 0.6. The rate for MPOS machines may be higher. The current rate is basically 0.6--0.69, but it is absolutely impossible to be lower than 0.6.

When people use credit cards to make purchases, they often conduct transactions through POS machines.

There is a handling fee for credit card swiping at POS machines. Different POS machine types, different The handling fees required by different consumption places may be different. Generally, consumers who hold cards do not need to bear the handling fees. Merchants who use POS machines to collect payments bear the handling fees. The specific handling fee types are as follows. introduce.

1. If a credit card is swiped at a POS machine, the handling fee is generally around 0.60;

2. If a debit card is swiped at a POS machine, the handling fee is generally around 0.50, and the maximum 20 cap;

3. If you scan the QR code on WeChat or Alipay at the POS machine, the handling fee is generally around 0.38.

Take the cardholder’s credit card payment of 10,000 yuan as an example. We know that the actual merchant can only collect 9,940 yuan. The 60 yuan handling fee will be divided again by the card issuer and the acquirer, of which the card issuer will share 45 yuan. , the acquirer pays 15 yuan, and then the card issuer pays 3.25 yuan to UnionPay again, and the acquirer also pays 3.25 yuan to UnionPay.

In total, for a handling fee of 10,000 yuan for swiping a credit card at a POS machine, the divided amounts are: 41.75 yuan (0.4175) for the issuing bank, 6.5 yuan (0.065) for UnionPay, and 11.75 yuan for the acquirer, the payment company ( 0.1175).

The handling fee for swiping RMB 500 via POS machine is 3 yuan, and the central bank’s standard rate is 0.6.

The calculation formula for POS machine card swiping fee is: card swiping amount * card swiping rate = handling fee. There is only one rate for POS machine card swiping, which is transaction amount × card swiping rate = handling fee. For example, if the card swiping transaction amount is 5,000, the rate is 0.6, which is 5,000 × 0.6 = 30, so the rate plays the main role in how much handling fee is charged. effect.

What is the standard fee for credit card swiping at POS machines?

The first is the standard category: 0.6 for credit card swiping; 0.5 for debit card swiping, with a cap of 20 yuan. Taking a credit card of 10,000 yuan as an example, the credit card handling fee is 60 yuan, and the debit card handling fee is capped at 20 yuan;

The second type is the preferential category: such as large chain supermarkets, people's livelihood payment types, and gas stations, the handling fee is usually It is 0.38 for credit cards; the savings rate is 0.4, with a cap of 18 yuan;

The third category is the exemption category: such as public hospitals and schools, the handling fee is 0. Public welfare countries don’t charge a penny, but you’d better not swipe all the time. If you swipe too much, the card issuer won’t make any money. What should I do? Then the only solution is to reduce the limit or even block the card;

Is there any handling fee for scanning the QR code to pay the box?

Box Payment supports repayment, transfers and remittances, and balance inquiries from major banks across the country; it supports direct recharge of mobile phone bills from China Mobile, China Unicom, and China Telecom. Currently, most of the Hezipay services are free of charge, such as credit card repayments in most banks, mobile phone recharges, public payment in some cities, balance inquiries, etc. There are handling fees for transfers, remittances, payment collections, Alipay recharges, Tenpay recharges, etc. Therefore, most businesses do not actually charge money, and everyone can use it with confidence.

Yes, Box Payment now has several different products with different rates.

Let me just say it briefly

1. MPOS is 0.68 by hand swiping

2. Smart POS is 0.55 for S300 debit card and 0.65 for credit card. 3. WeChat and Alipay QR code payment 0.5

As for Alipay’s payment rates for POS machine scanning and Alipay’s scanning payment rates, that’s it. If you have any questions related to POS machine processing, you can directly consult the editor. Recommend reliable and easy-to-use POS machines to everyone

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Answer: Individuals can apply for personal POS machines with their ID cards, bank cards, and credit cards. Please consult customer service for details.

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Answer: Individuals can do it for free, please contact customer service for details.

Q: Is the POS machine legal? Is it safe for personal use?

Answer: POS machines handled through formal channels are safe, formal, and clear UnionPay-certified POS machines.

Q: What is the card processing fee (rate) of your POS machine?

Answer: The rate is uniformly limited by the National Development and Reform Commission and the Central Bank. It is generally between 0.38-0.6. Our company will give customers the maximum discount. Please contact customer service for details.

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Answer: Our company provides full after-sales service. If there are any problems or malfunctions during the use of the machine, you can consult customer service as soon as possible

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