Before the end of the year, the bank card processing fee will be adjusted again. Previously charged by industry, it will become charged by card type. Credit card charges may be higher than debit cards, and credit cards may be "rejected". Don't forget to bring a debit card after buying something.
The catering industry no longer has to complain that the card rate is higher than other industries. At the end of this year, the bank card swiping fee will be adjusted again. In the future, the credit card rate will no longer be differentiated according to the industry, but will be charged according to the bank card type, and the credit card charging standard will be higher than the debit card.
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Before the end of the year, the card processing fee will be adjusted again.
After more than a year, the bank card processing fee is facing adjustment again. The Ministry of Commerce recently said that the bank card fee processing reform will be initiated before the end of the year, and the industry classification will be cancelled and charged according to the card type.
If the consumer checks the card, the merchant needs to pay a credit card fee. At present, the rate level is different according to the different industries in which the merchant is located, and is divided into catering and entertainment, general, people's livelihood and public welfare.
After the adjustment in March 2013, the current four types of credit card rates are 1.25%, 0.78%, 0.38% and 0 respectively. The credit card processing fee is finally allocated to the issuing bank, the acquiring institution and the bank card clearing organization in a ratio of 7:2:1.
Since the catering industry has more than three times the credit card rate for the people's livelihood, the catering industry has become an industry with a very high rejection rate in order to ensure the company's revenue.
“Why is the reason for selling food and the jewelry industry at a rate level?†said the owner of a shabu-shabu shop on the Eighth Road in Zhengzhou City. In fact, the gross profit of the middle and low-end restaurants is not high. In order to ensure the profit of the store, he refused to sell a lot. Bank of pos machine and third party payment institution.
The relevant person in charge of the Department of Trade and Industry of the Ministry of Commerce also believes that the rate of credit card fees in the catering industry is too high, restricting the development of the industry. Popular catering is the development direction of China's catering industry in the future. It is extremely unreasonable for the catering industry to adopt the same credit card rate standard as the luxury goods industry.
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"Settings" chaos will become history
In addition to refusing to install POS machines like the owner of the shabu-shabu store, some catering and entertainment industry merchants will choose “sets of codes†to avoid high credit card rates.
The so-called "set of code" is to apply for access to the network in the name of a supermarket with low rates, get a credit card rate of 0.38%, and then use this POS machine in restaurants or KTV.
This situation is inseparable from the fierce competition of payment companies. The central bank currently issues nearly 300 third-party payment licenses. If these payment companies operate according to formal operations, it is difficult to win in the competition. In order to compete for customers, these companies will even be flexible. The way to actively help customers "set the code."
For consumers, using the "set of code" POS machine to spend the card, it is likely that there will be a meal at the restaurant, but the statement shows that there is consumption in a pig breeding cooperative, so that people can not laugh.
Because the "set of code" behavior will cause the issuing bank to lose hundreds of millions of yuan per year, for the remittance of the world, fast money, Epro and other companies, UnionPay also issued a large fine of 10 million yuan, UnionPay said that 90% of the fine Will be returned to the issuing bank.
According to the timetable for this reform, the start-up time is at the end of this year, but if this reform is successful, then the “set-up†phenomenon will become history.
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Credit card credit rate will be higher than debit card
However, this adjustment may also have a new problem, that is, the merchant refuses to swipe the credit card. According to current rumors on the market, the credit card rate for this adjusted credit card is 0.5%, while the debit card credit card rate is 0.1%. Although this figure has not been confirmed by the commercial sector, the overall level of credit card rate reduction is basically certain.
Such a differential rate, the Ministry of Commerce's explanation is to implement a "debit and loan separation" for the fee. In response, the staff of a joint-stock bank credit card department explained that the cost of credit cards and debit cards is very different for banks.
“The cost of a credit card is about 0.4%, the cost of risk is about 0.2%, and there are marketing and operating costs,†she said. But the current rate of credit card fees is about 0.4% for both credit and debit cards.
This means that without credit card and debit card, the credit card rate is not enough to cover the operating cost of the credit card. If differential rates are applied, it is more fair to those who use debit cards.
However, for each bank, the current credit card fee does not exceed 2% of the bank's profit, so the rate reduction has a relatively small impact on the bank.
However, after the implementation of the new credit card rate, if there is a large difference between the two bank card rates, there may be a situation where the merchant refuses to swipe the credit card. However, she said that when determining the rate, the relevant agencies should be based on the possible situation. Conduct a full evaluation.
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