The reporter learned that the National Development and Reform Commission and the People's Bank of China issued the "Notice on Improving the Pricing Mechanism for Bank Card Credit Card Fees" (hereinafter referred to as the "Notice"). The notice requires that the POS machine card processing fee be implemented according to the new standard from September 6.
After the implementation of the new regulations, the capping will be cancelled, and the card-receiving rate of the debit card will be reduced. The amount of 2,000 yuan or more will be 18-20 yuan (including the card-issuing service fee and third-party charges), which can reduce the burden on the merchants. For merchants whose current stock execution rate is higher than the new standard, the deduction rate will be automatically reduced after September 6. For merchants whose current stock execution deduction rate is lower than the new standard and the current execution of the cap, the agreement needs to be made before the end of August.
Reduce the issue rate of the issuing bank's service fee
The card-issuing agency fee charged by the card-issuing agency shall be subject to government pricing by different current merchant categories, and the same rate shall be applied to the debit card and credit card (including the quasi-credit card, the same below), instead of the merchant category, the government shall be implemented. Guide price, cap management, and differential billing for debit and credit cards. The rate level is reduced to a debit card transaction of no more than 0.35% of the transaction amount and a credit card transaction of no more than 0.45%.
Reduce network service fee rate levels
The network service fee charged by the bank card clearing institution shall be subject to government pricing from the current differentiated merchant category, and shall be changed to the merchant-type price and cap management, and shall be collected separately from the acquiring and issuing institutions. The rate level is reduced to not exceed 0.065% of the transaction amount, and the card issuing and acquiring institutions each bear 50% (that is, the rates charged to the card issuing and acquiring institutions respectively do not exceed 0.0325% of the transaction amount).
Adjustment of service fee capping control measures
The card issuer's service fee charged by the card issuer shall not exceed 13 yuan for the debit card transaction, and the credit card transaction shall not be subject to the single charge capping control. The network service fee charged by the bank card clearing institution does not distinguish between the borrowing and the credit card. The amount of the single transaction is not more than 6.5 yuan (that is, when the bill is collected separately from the card issuing institution, the single fee is not more than 3.25 yuan) .
Catering and entertainment rates have fallen the most
In response to the "New Regulations", the relevant central bank and the relevant person in charge of the National Development and Reform Commission answered the reporter's question and answer earlier. According to the comprehensive rate calculation, the restaurant and entertainment business rate decreased by 53% to 63%, with a drop of more than half. . Department stores fell by 23% to 39%. In addition, the people's livelihood class originally implemented a service fee of 0.38%, but during the two-year reform transition period, preferential measures will be implemented, which will also help reduce costs.
Attachment: Bank and non-financial institution fee rates
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