Small to super shopping, daily payment, catering and entertainment, as large as furniture purchase, buy a house to buy a car, the cardholder can be seen everywhere. "Swipe card" has become a high-frequency term for daily consumption of citizens.
From September 6th, the new rules for POS card swiping fees began to be implemented. Debit cards and credit cards were differentially billed, and the card processing fee was also adjusted.
Since the implementation of the new regulations, what impact has it brought to the island city merchants and cardholders?
1 The handling fee is no longer capped according to the industry billing credit card.
The bank card credit card fee is mainly the card issuer service fee collected by the card issuer, the network service fee charged by the bank card clearing institution, and the billing service fee charged by the acquirer. Usually, when a merchant uses a POS machine to collect money, it is necessary to pay a certain fee to the relevant institution. The card processing fee has nothing to do with the consumer and is directly related to the merchant's wallet.
At the beginning of March this year, 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 Cards, and reformed the 2013 credit card fee policy. According to the new regulations, from September 6th, the POS machine card processing fee is no longer charged by industry, the debit card fee is reduced, and the credit card fee is not capped.
In 2013, the card processing fee regulations have set different charging standards according to the industry. The card is divided into four categories: catering and entertainment, general, people's livelihood and public welfare.
Among them, the catering and entertainment category has the highest rate of card processing, which is 1.25% of the transaction amount; the general merchants' handling rate for department stores and tourism is 0.78%; the handling rate for supermarkets, gas stations, transportation and ticket sales, etc. is 0.38%; Hospitals, education and other public welfare categories have zero rates. For real estate and automobile sales and wholesale merchants with large single transaction amount, the fee capping control is implemented, and the capping amount is 80 yuan and 26 yuan respectively.
The new card processing fee cancels the industry classification, adopts the government guidance price, upper limit management mode, and differential billing for debit cards and credit cards.
According to the new regulations, the spending on card-based merchants can be reduced by 53% to 63%, and those in department stores and other industries can be reduced by 23% to 39%. Non-profit medical institutions, educational institutions, social welfare agencies, pension institutions and charities are still at zero rates. From the rates published by some banks, the adjusted rate levels are: debit card (savings card) is 0.5% of the transaction amount, single charge is up to 20 yuan; credit card rate level is adjusted to the transaction amount 0.6%, canceled the cap.
In general, this new policy drastically reduced the level of fees and reduced the burden on ordinary merchants. According to preliminary calculations, the total annual expenditure of various types of merchants can be reduced by about 7.4 billion yuan.
2 Small credit card benefits from large credit card spending
The degree of influence on the merchants is also different. For restaurants and entertainment businesses, this is undoubtedly a great boon.
"Now many customers like to use credit card spending. In the past, customers used a credit card to spend 100 yuan. We have to pay a fee of 1.25 yuan. Now the fee is reduced, and only 0.6 yuan is paid. Although the amount of savings is small, according to the number of times of card swiping in previous years, One year can save a lot of money. The card processing fee has dropped by more than half, which has reduced our operating costs." The owner of a Sichuan restaurant in Donghai Middle Road, Shenjiamen, Putuo District told reporters.
Liu Miao, director of the operation of Dongzheng Changzheng Spring Hotel, said that according to the original credit card fee standard, it will cost more than 10,000 yuan in January, and now it can pay less than half per month.
In the new regulations, the “credit card single-card credit card fee is not capped†rule allows large-scale consumer industry players such as real estate and automobiles to refuse credit card consumption or transfer fees in various ways.
Zhoushan Mingdi Ford 4S shop has been charged with a credit card fee notice before the checkout counter, clearly telling customers to spend more than 8,000 yuan on credit card spending, 4S shop only bears 50 yuan credit card handling fee, the excess is borne by the customer.
"If you swipe your credit card, you can only brush 5,000 yuan each time, and brush up to two. It is recommended to use cash or savings card." Zhoushan Jiaochen Runda Automobile Sales Service Co., Ltd. said that before the credit card, no matter how much. The fee cap is 80 yuan, which can be borne by the store. Now that the credit card swipe fee ratio has been reduced, the capping rule has been cancelled, and it is charged at 0.6% of the swipe amount each time. "That is, to buy a 100,000 yuan car with a credit card, you need to pay a handling fee of 600 yuan, 200,000 yuan, then 1,200 yuan."
The sales staff of Zhoushan Huabao Automobile Sales Company told the reporter that since the beginning of last month, the customer has to pay the handling fee by swiping the credit card. "In the market where the price of the car is almost transparent, our own profits are meager, and we have to pay hundreds of thousands of dollars in handling fees. We simply cannot afford it."
The consumption of real estate with large public expenditures is also affected. Manager Liu of Shenjiamen and Xinhua Garden Sales Office in Putuo District introduced that there are more customers who use credit cards when paying a deposit. Now they are not capped and the handling fee is high. It is recommended that customers do not use credit cards with debit cards.
In the past few days, Ms. Yao, who is ready to buy a house, is negotiating payment methods with the sales staff. "Now a house has a down payment of several hundred thousand. It is impossible for us to take cash to pay. I have a credit card and a savings card. Of course, I first need to save the savings card, and then I can't swipe the credit card. Now the rate adjustment, the light fee is quite a lot. It."
The uncapped credit card fees also expose wholesalers and retailers to rising costs. In addition, a few hotels have also explicitly stated that they refuse large credit card spending. The staff of Putuo Zhongyuan Hotel said that the credit card can be swiped for individual guest accommodation, and the credit card cannot be swiped for a group of more than 10 people.
The wedding banquet is also a big consumption. However, when interviewed by the Fortune Grand Hotel and Sheraton Greentown Hotel, the other party said that although the starting price of the wedding banquet is about 4,000 yuan per table, the public can still swipe the credit card without paying the handling fee. . Many gold shop sales staff in Dinghai and Putuo District also indicated that they can swipe credit cards.
3 Consumers measure credit card holding costs or are refused to swipe credit cards or are required to pay fees
After the implementation of the New Deal, Ms. Island City Zhou Zhou intends to cancel the two platinum credit cards in her hand. After contacting the bank, she found that the annual fee has not been returned, so she has been dragging.
Ms. Zhou said that each of these two Platinum Credit Cards has a credit card quota of 50,000 yuan. When the initial processing is done, it is a large amount of money. You can turn around when buying big items such as cars, houses, home appliances and furniture. Now, after the implementation of the new card swiping, you may have to pay a large fee for buying these large items. You can hardly enjoy the convenience and benefits. When you don’t meet the requirements, you will be charged an annual fee, which is not worth the candle.
Indeed, after the credit card credit rate is not capped, for consumers holding high-end platinum credit cards, the situation of being refused to swipe a credit card or being required to bear the fee is likely to increase, and this part of the consumer needs more rational calculation. The cost of holding a credit card.
The reporter visited a number of banks in the island city and learned that there are basically two kinds of annual fee-free policies for high-end platinum credit cards: one is to swipe the card to meet a certain amount or the number of pens, and the first one is to reduce or exempt one; Either way, you need to swipe your card.
The staff of China Minsheng Bank Zhoushan Branch said that the platinum card overdraft limit ranges from 50,000 yuan to 100,000 yuan, the annual fee is 600 yuan, and the annual consumption is 50,000 yuan or 18 annual fee-free fees. Construction Bank Zhoushan Branch Platinum Card annual fee of 500 yuan, need to brush 18 times a year fee. Zhejiang Mintai Commercial Bank Zhoushan Branch Platinum Card annual fee of 160 yuan, need to brush more than 5 penalties free of annual fees. The 6-star user of Industrial and Commercial Bank of China has the highest overdraft of 1 million yuan and an annual fee of 200,000 yuan.
In the past, when the rate was capped, the customer spent tens of thousands of yuan, and the merchant only had to pay the bank a fee of twenty or thirty yuan, and the cost was almost negligible. Now the fee is not capped, and the cost of a large amount of credit card has risen several times. This part of the consumer will choose between a high annual fee and a high fee. If it is not worthwhile, it is natural to choose a sales card.
At the same time, the fee change will also lead to an increase in the cost of credit card maintenance. Before consumers used more credit cards on high-rate machines, it would be easier to increase the credit limit in the future, and the new regulations canceled the industry classification pricing of bank card crediting fees. No matter which types of merchants use credit card spending, the rates are the same. Due to the failure of the diversified credit card consumption method, the cost and difficulty of credit card maintenance are increasing, and it is more difficult for the consumer credit card to increase the credit card amount.
However, it is worth noting that it is illegal for merchants to require consumers to pay for credit card fees.
On July 5, 2013, the People's Bank of China issued the “Administrative Measures for the Collection of Bank Cardsâ€. Article 12 stipulates that: Cardholders may not be charged or charged in disguise due to the use of bank cards by cardholders, or reduced. The service level; Article 17 of the Measures stipulates that the acquiring institution shall collect the settlement fee from the special merchants in accordance with the relevant regulations, and shall not transfer the settlement fee to the cardholder in disguise, and shall not take unfair competition to damage the legitimate rights and interests of others.
The reporter called UnionPay 95516, and the customer service staff said that the settlement fee for the bank card receipt business was all borne by the merchant. “If the merchant wants the consumer to pay the fee, the consumer can negotiate with the People’s Bank of China or UnionPay, and the bank and UnionPay will also help to negotiate. If the negotiation fails, the bank can impose a fine on the merchant.â€
4 Cancellation of fees and fees to increase cash-out cash credits or to be eliminated
The credit card swipe fee does not apply for a single cap or a critical strike for many cardholders who use the POS to swipe their cards.
A business person engaged in credit card cashing said that large credit card cashing is very common. You only need to pay a handling fee to make multi-day interest-free loans. Many people use this card to "reserve cards" and use different credit cards in their hands. Day back and forth cash. Credit card reductions in cashouts may inhibit such behavior.
Some bank practitioners said that consumers will use credit card spending in large-volume consumption, but the overall benefits outweigh the disadvantages. Compared with debit cards, credit cards can be overdrawn. If the capping restrictions are imposed, no matter how much the overdraft is paid, it is not conducive to the bank's control of risks and increases the bank's operating risks. In the long run, the New Deal will help promote the development of bank card business.
Ms. Zhang, an urban city student, also believes that the implementation of the new regulations will only have an impact on large-scale consumption and will have little impact on the general public. "For our people, the large amount of consumption such as buying a house and buying a car is very rare, and there are not many times in a lifetime. Now the rate is lowered, which is good for merchants to reduce costs."
After the implementation of the new regulations, the public can still enjoy the convenience brought by credit card consumption in many service places. Non-profit medical institutions, educational institutions, and social welfare institutions will swipe their cards, and the card-issuing service fees and network service fees will be fully reduced. Since the formal implementation of this credit card adjustment measure, the two-year transition period has been implemented in accordance with the principle of maintaining overall stability at the rate level. The issuing bank is implemented for supermarkets, large-scale warehouse stores, water and electricity gas payment, fueling, and transportation ticket merchants. Service fee, network service fee discount.
5 Bank card swipe fee will be lower than QR code payment or trigger bank card purchase price war
The current two-dimensional code payment online market is in the limelight, not only because consumers tend to use mobile payment, but also because of the lower transaction rate under the two-dimensional code line.
At present, Alipay and Tenpay's two-dimensional code payment rates are as low as 0.6%, and the fee for the two-dimensional code is quite competitive with respect to the card processing fee ranging from 0.38% to 1.25% of the previous bank card. After the fee change, according to the current billing service fee announced by the major acquiring institutions, the card processing fee of the bank card has been generally lower than the two-dimensional code, and the handling fee advantage in the online market for the two-dimensional code will be weakened.
According to industry insiders, for the bank card acquiring industry itself, the new regulations implement market price adjustments – the billing service fee is determined by the contractor and the merchant agreement, or triggers a price war.
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