"Reducing the cost of card processing, we are actually reducing costs!" Since September 6, the bank card processing fee has dropped, and Liu Changming, chairman of the restaurant company Chengdu Rongrong Group, is very excited about this.
According to the relevant regulations of the "Notice on Improving the Pricing Mechanism for Bank Cards and Fees" issued jointly by the National Development and Reform Commission and the People's Bank of China, the bank card processing fee will be implemented from September 6th, and the handling fee will be significantly reduced. The reporter learned that there are more than 650,000 bank card POS machines in Sichuan. According to the amount of credit card spending, the relevant merchants can reduce the annual burden by about 230 million yuan.
The catering card processing fee has dropped by more than half
"This adjustment of the credit card fee policy has mainly reduced the operating costs of merchants and does not involve charging cardholders." The relevant person in charge of the Chengdu Branch of the People's Bank of China said. Moreover, this time, the pricing mechanism for the bank card credit card fee is improved, and the adjustment is limited to domestic and offline credit card consumption.
According to the New Deal, the issuer's service fees and network service fees have declined. The card issuer service fee rate is reduced to 0.35% of the transaction amount of the debit card transaction, the single charge amount does not exceed 13 yuan, the credit card transaction does not exceed 0.45%, and the credit card transaction is not subject to a single cap. Control; the amount of the network service fee for a single transaction does not exceed 6.5 yuan. In addition, the purchase service fee is subject to market adjustment. Compared with the previous standards, catering and department stores will benefit significantly. Previously, the catering company's bank card credit rate was about 1.25% of the transaction amount, and the department store tourism category was 0.78%, which was much higher than the new rate standard.
According to the relevant regulations of the "Notice on Improving the Pricing Mechanism for Bank Cards and Fees" issued jointly by the National Development and Reform Commission and the People's Bank of China, the bank card processing fee will be implemented from September 6th, and the handling fee will be significantly reduced. The reporter learned that there are more than 650,000 bank card POS machines in Sichuan. According to the amount of credit card spending, the relevant merchants can reduce the annual burden by about 230 million yuan.
The catering card processing fee has dropped by more than half
The province's merchants can save about 230 million yuan per year.
"This adjustment of the credit card fee policy has mainly reduced the operating costs of merchants and does not involve charging cardholders." The relevant person in charge of the Chengdu Branch of the People's Bank of China said. Moreover, this time, the pricing mechanism for the bank card credit card fee is improved, and the adjustment is limited to domestic and offline credit card consumption.
According to the New Deal, the issuer's service fees and network service fees have declined. The card issuer service fee rate is reduced to 0.35% of the transaction amount of the debit card transaction, the single charge amount does not exceed 13 yuan, the credit card transaction does not exceed 0.45%, and the credit card transaction is not subject to a single cap. Control; the amount of the network service fee for a single transaction does not exceed 6.5 yuan. In addition, the purchase service fee is subject to market adjustment. Compared with the previous standards, catering and department stores will benefit significantly. Previously, the catering company's bank card credit rate was about 1.25% of the transaction amount, and the department store tourism category was 0.78%, which was much higher than the new rate standard.
“I have calculated an account and can save more than 10,000 yuan in card spending in one year.†Zeng Wei, the head of a catering company in Chengdu, said that customers who come to our store consume about 30% of credit card spending, and swipe every month. The amount is about 150,000 yuan. According to the previous 1.25% rate, the annual credit card fee is 19,000 yuan. At present, the cost is 0.6%, and the cost of card printing is more than 9,000 yuan. Supermarkets, large warehouse stores, water and electricity gas payment, fueling, and transportation ticketing merchant rates are generally stable.
The person in charge of the price department of the Development and Reform Commission said that after the implementation of the catering and other industries, the cost of card swiping can be reduced by 53%-63%, the number of merchants in department stores and other industries can be reduced by 23%-39%, and the annual fee reduction of merchants in the country is about 7.4 billion yuan.
From the situation in Sichuan, the reporter learned from the Chengdu Branch of the People's Bank of China that there are more than 650,000 POS machines in the province, and the annual credit card amount is 1.5 trillion yuan, accounting for about 3% of the national credit card share. According to this ratio, the new The card swiping policy is expected to save around 230 million yuan per year for our province's merchants.
"From our perspective, it will definitely be more willing to accept consumer credit card." The financial person in charge of a department store in Chengdu said that due to fierce competition, profits are inherently thin, and companies are particularly sensitive to changes in costs.
Credit card cancellation "capping" offer
Buying a house, buying a car, etc.
However, the new rules may also bring some trouble to consumers. For example, credit card credit rates may not fall.
Previously, for large-volume credit card purchases, merchants can apply for a capped POS machine with a professional market license, and the transaction fee for a single transaction is up to 50 yuan. Taking automobile sales as an example, the previous rate was 1.25%, 50 yuan was capped, and the brush 200,000 yuan was also charged 50 yuan. After the implementation of the New Deal, the rate was 0.6%, the card was 200,000 yuan, and the cost would reach 1,200 yuan.
"We may not accept the credit card in the late stage, and the cost is too high." A car dealer at the Chengdu South Railway Station told reporters that unless the customer is willing to bear this part of the cost.
According to the 0.6% rate after the New Deal, if the credit card consumption exceeds 8334 yuan, the handling fee cost will not fall, and the higher the amount, the higher the handling fee. Including purchases and other large purchases, credit card swiping may also be rejected due to cost issues.
"The vast majority of credit card spending card spending will still decline." The relevant person in charge of the Chengdu Branch of the People's Bank of China believes that after all, the credit card consumption of over 10,000 yuan is not large.
The data shows that in 2015, the consumption of credit card in our province was 1.5 trillion yuan, the number of card swiping reached 1.06 billion, and the single amount was 1415 yuan. Credit card spending within ten thousand yuan was the mainstream.
In addition, some analysts believe that the New Deal will cancel the credit card rate capping concession, which will curb the phenomenon of credit card cashing to a certain extent. In fact, it has little effect on ordinary cardholders.
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