From the 6th, the POS card processing fee will be implemented according to the new standard. The new regulations will cancel the capping control, and the card-issuing service fee will be subject to differential pricing. The UnionPay network service fee will be charged to both the card-issuing and acquiring institutions, and the commercial industry classification pricing will be cancelled. It is worth noting that although the card processing fee is not directly from the consumer's pocket, but with the overall reduction of this fee, as a cardholder, it is expected to obtain some "indirect" benefits.
It is reported that the last time the card processing fee adjustment was in February 2013, the difference in card processing fee rates in different industries was large, and the charging standards for food and entertainment, general, people's livelihood and public welfare were 1.25%, 0.78%, and 0.38, respectively. % and 0%. This kind of pricing mechanism based on the high and low rate of return of each industry seems reasonable and reasonable, but there are loopholes. In the actual operation, as long as you do some "hands and feet" in the business classification, it is easy to achieve the mismatch between high-yield merchants and low-cost fees, and to some extent, the violation of merchants' sets, credit card cashing, etc. Illegal acts.
In addition to the reduction of the credit card processing fee, this policy has two very large features. One is to cancel the commercial industry classification pricing, and the other is to implement differential billing for borrowing and credit card. Specific policy measures include: debit card transactions not exceeding 0.35%, credit card transactions not exceeding 0.45%, network service rates not exceeding 0.065%, 50% for card issuers and acquirers; card issuer debit cards The charge amount does not exceed 13 yuan, the credit card does not implement a single capping measure; the network service fee does not distinguish between borrowing and credit card, the single charge amount does not exceed 6.5 yuan; the non-profit medical institution swipes the card free service fee; supermarket, etc. The merchants will give preferential rates within 2 years of the implementation of this adjustment measure; the above are all the upper limit of the fee, and the specific rate shall be determined by the acquiring institution and the merchant.
analysis
Meal entertainment merchants benefit from the largest credit card cashing cost increase
It is reported that because the card processing fee is directly charged to the merchants, preliminary calculations, after the implementation of the policy, the total amount of merchants can reduce the processing fee for the card processing by about 7.4 billion yuan per year. Meng Liwei, a 360 credit card analyst, believes that the adjustment of POS card swiping fees has a significant effect on credit card holders and merchants. From the perspective of comprehensive rate calculation, the rate of catering and entertainment merchants decreased by 53% to 63%, with a drop of more than half, which benefited the most; while department stores decreased by 23% to 39%; the people's livelihood originally implemented a service charge of 0.38%, but During the transition period of the two-year reform period, preferential measures will be implemented, which will help merchants to reduce costs.
In addition, for credit card holders, the impact is as follows: First, the cost of credit card maintenance is increased. The new regulations canceled the industry classification pricing of bank card crediting fees. In other words, no matter what kind of merchants you use to swipe your card, the rates are the same. The diversified credit card consumption method will inevitably lead to the increase in the cost and difficulty of the card. Second, the POS machine agent or third party payment is often Self-interest, take the abnormal means such as nesting code, skipping code, and cutting code to avoid higher card processing fees. The new regulations stipulate that bank card processing fees are consistent in all industries, so this situation may be effectively improved; third, the current credit card sets will be significantly reduced. The new regulations stipulate the service fees charged by the card issuer. The credit card transaction does not implement the single charge capping control, that is, the brush pays more, and the cost of cash is undoubtedly improved.
It is reported that the last time the card processing fee adjustment was in February 2013, the difference in card processing fee rates in different industries was large, and the charging standards for food and entertainment, general, people's livelihood and public welfare were 1.25%, 0.78%, and 0.38, respectively. % and 0%. This kind of pricing mechanism based on the high and low rate of return of each industry seems reasonable and reasonable, but there are loopholes. In the actual operation, as long as you do some "hands and feet" in the business classification, it is easy to achieve the mismatch between high-yield merchants and low-cost fees, and to some extent, the violation of merchants' sets, credit card cashing, etc. Illegal acts.
In addition to the reduction of the credit card processing fee, this policy has two very large features. One is to cancel the commercial industry classification pricing, and the other is to implement differential billing for borrowing and credit card. Specific policy measures include: debit card transactions not exceeding 0.35%, credit card transactions not exceeding 0.45%, network service rates not exceeding 0.065%, 50% for card issuers and acquirers; card issuer debit cards The charge amount does not exceed 13 yuan, the credit card does not implement a single capping measure; the network service fee does not distinguish between borrowing and credit card, the single charge amount does not exceed 6.5 yuan; the non-profit medical institution swipes the card free service fee; supermarket, etc. The merchants will give preferential rates within 2 years of the implementation of this adjustment measure; the above are all the upper limit of the fee, and the specific rate shall be determined by the acquiring institution and the merchant.
analysis
Meal entertainment merchants benefit from the largest credit card cashing cost increase
It is reported that because the card processing fee is directly charged to the merchants, preliminary calculations, after the implementation of the policy, the total amount of merchants can reduce the processing fee for the card processing by about 7.4 billion yuan per year. Meng Liwei, a 360 credit card analyst, believes that the adjustment of POS card swiping fees has a significant effect on credit card holders and merchants. From the perspective of comprehensive rate calculation, the rate of catering and entertainment merchants decreased by 53% to 63%, with a drop of more than half, which benefited the most; while department stores decreased by 23% to 39%; the people's livelihood originally implemented a service charge of 0.38%, but During the transition period of the two-year reform period, preferential measures will be implemented, which will help merchants to reduce costs.
In addition, for credit card holders, the impact is as follows: First, the cost of credit card maintenance is increased. The new regulations canceled the industry classification pricing of bank card crediting fees. In other words, no matter what kind of merchants you use to swipe your card, the rates are the same. The diversified credit card consumption method will inevitably lead to the increase in the cost and difficulty of the card. Second, the POS machine agent or third party payment is often Self-interest, take the abnormal means such as nesting code, skipping code, and cutting code to avoid higher card processing fees. The new regulations stipulate that bank card processing fees are consistent in all industries, so this situation may be effectively improved; third, the current credit card sets will be significantly reduced. The new regulations stipulate the service fees charged by the card issuer. The credit card transaction does not implement the single charge capping control, that is, the brush pays more, and the cost of cash is undoubtedly improved.
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