UnionPay said that the fee should be passed between the merchant and the bank. The newspaper should not be passed on to the consumer. May 8th (Reporter Fang Haoli) "Do you have to pay for the shopping and spending credit card? This is not reasonable." This morning, I live in Cao County. Mr. Lin of the road went to Liaoning Road Information City to buy a computer. When purchasing a computer to pay the fee, he was told that if he swiped the card, he would need to brush the computer for a full 1% fee. Mr. Lin questioned the reason of the other party. The other party said that if the card merchant wants to pay the UnionPay fee, he hopes that he will settle the cash. If the cash is not enough, the card will be deducted. If Mr. Lin counts the card, he needs to pay 37.5 more. The handling fee of the yuan is very uneconomical. I have no choice but to go to the surrounding banks to withdraw cash. According to the reporter's investigation, there are some merchants who support the card consumption in the store, but they will ask for a certain fee. The reporter consulted UnionPay and learned that UnionPay consumption is a cost incurred between merchants and banks, so it should not be passed on to consumers.
â– Consumers questioned the problem of swiping the card. This morning, Mr. Lin went to Liaoning Road Information City to buy a computer. After switching to multiple stores, he finally found a suitable configuration in a shop on the first floor. After some time. After bargaining, the final price was finalized at 3,750 yuan. Immediately the staff was busy picking up Mr. Lin, and Mr. Lin also came to the front desk to check out. "Sir, try to pay cash. If you swipe the card, we have to charge a 1% fee." The financial staff told Mr. Lin that if you need to swipe your card, you must "deduct". This is the rule of UnionPay. Mr. Lin felt very strange. He went to the big shopping malls on weekdays and never had to charge any fees. He thought that the merchants had to pay a very unreasonable fee.
Immediately, Mr. Lin checked the wallet and found that the cash was not enough. He could only swipe the card, but he carefully calculated it. If the card spent requires more than 37.5 yuan, it would be very uneconomical. So Mr. Lin had to go out and ask the bank to withdraw cash. . This made Mr. Lin feel very inconvenient, and immediately called the newspaper hotline to consult and respond to this question.
■Business dilemma said that the fee for the UnionPay fee is required to deduct the full 1% fee. This is the UnionPay collection. We just help collect the money.†This afternoon, the reporter visited the problem encountered by Mr. Lin. Multiple merchants. In a clothing store on Minjiang Road, the reporter asked about it, as far as possible, cash settlement, if you swipe the card, you need to pay the fee for UnionPay. The reporter visited a number of shops and found that this problem is very common, and most of the requests for fees are for individual shops.
The reporter asked some merchants to understand that when the shop installed the pos machine, it signed a contract with the bank, and the card consumption was deducted from the handling fee, and some agreements were capped with a credit card fee of 30 yuan. These small stores are small and profitable. If the fee for the card is deducted, the profit will be even less. Therefore, consumers are required to pay for the handling fee of their own card. Some merchants also said that this problem of charging credit card fees is also a headache. They are worried that customers are annoying, so they reminded customers before they check out, try to use cash to settle the bills, and deduct the fees. Even so, some consumers do not understand it, so they often talk about the price, but the customer does not buy it because of the card swiping problem at checkout.
UnionPay Tips Fees cannot be "transferred"
In response to this problem, the reporter consulted a number of bank credit card departments in the island city. It is understood that the card charging fee is an agreement between UnionPay, the issuing bank and the merchant. The merchant installs the POS machine in the store, and does not use it once. The merchant has to pay a certain formality fee, and the handling fee is finally distributed among the card issuer, the acquirer and the UnionPay according to relevant regulations. When consumers use bank cards, they do not need to pay any other fees in addition to the normal cost of purchasing the goods.
"According to the rules of UnionPay, when the consumer consumes, the handling fee generated cannot be transferred to the consumer, but should be borne by the merchant." The reporter called the UnionPay customer service phone and learned that according to the regulations of the UnionPay, the citizens are spending on credit card. In the process, there is no need to pay more fees, and the handling fee is the fee between the merchant and the bank, so it should not be paid by the consumer. Therefore, consumers may refuse to pay for the fee when they encounter such problems, and they can also call the bank customer service phone to reflect.
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