The standard type of merchants are of a normal nature, and if there are points when swiping the card, according to the proportion of the fee charged by each party in the table, plus the company's operating costs, and the profit of the intermediate agent, the integrated merchants with points are generally at a rate of 0.65 Based on.
Therefore, the low-rate POS on the market, the company will definitely jump to other low-rate merchants if it wants to make a profit, because no company will operate a non-profitable product. And low-rate merchants will not calculate credit points for credit card transactions, because the bank does not get the benefits, self-heating will not give you benefits.
Many users like to use low-cost POS, and feel that the low handling fee can save a lot of handling fees. In fact, what POS they use depends on their credit card requirements.
Some people require credit cards to have points to complete the credit card swiping task to waive the annual fee, some people want to get points to participate in activities in exchange for preferential gifts, some people want to improve their consumption quality, and constantly increase their credit card quota. For users with these needs, it is recommended to choose a rate of more than 0.65% to ensure that the transaction has points, which will bring benefits to the card issuer, and the card issuer will be willing to maintain the amount of your card withdrawal, and there will be no situation of reducing the amount of card closure. .
There are some people who do have a demand for use, but the frequency of card swiping is very low, and the situation of using cash once or twice a month, then such people do not have much requirements on the rate, as long as the funds are safe The better, with the usual use of the card to go shopping in a mall and eat a meal, it can be considered that the rich bill has no effect on the card. Because no one requires your card to be consumed, it must be spent at merchants with points. It is normal for you to pay a water and electricity fee and buy a plane ticket to a hospital to see what is sick.
Therefore, the low-rate POS on the market, the company will definitely jump to other low-rate merchants if it wants to make a profit, because no company will operate a non-profitable product. And low-rate merchants will not calculate credit points for credit card transactions, because the bank does not get the benefits, self-heating will not give you benefits.
Many users like to use low-cost POS, and feel that the low handling fee can save a lot of handling fees. In fact, what POS they use depends on their credit card requirements.
Some people require credit cards to have points to complete the credit card swiping task to waive the annual fee, some people want to get points to participate in activities in exchange for preferential gifts, some people want to improve their consumption quality, and constantly increase their credit card quota. For users with these needs, it is recommended to choose a rate of more than 0.65% to ensure that the transaction has points, which will bring benefits to the card issuer, and the card issuer will be willing to maintain the amount of your card withdrawal, and there will be no situation of reducing the amount of card closure. .
There are some people who do have a demand for use, but the frequency of card swiping is very low, and the situation of using cash once or twice a month, then such people do not have much requirements on the rate, as long as the funds are safe The better, with the usual use of the card to go shopping in a mall and eat a meal, it can be considered that the rich bill has no effect on the card. Because no one requires your card to be consumed, it must be spent at merchants with points. It is normal for you to pay a water and electricity fee and buy a plane ticket to a hospital to see what is sick.
To sum up, the high-frequency card must use the POS of a regular payment company with a high rate. Do n’t lose the credit in order to save the tens of dollars in processing fees. No credit, no credit, no credit, no card. , Then it's more than worth it. Because your purpose is not to save money. So for low-frequency users, whichever one is cheaper and whichever is cheaper can save money.
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