Bank Commission! Swipe fees to drop-a bank card, credit card, charge-IT information

IT news today, news on March 18, according to CCTV financial journalists get messages, the national development and Reform Commission, the people′s Bank of China today aimed at improving banking card handling fee pricing released a notice, notification is given a series of preferential measures on banks fees reduced.

Bank card credit card handling fee is mainly charged by acquirers charge service fees, charged by the card issuer issuer services fees and bank card network service charges charged by the clearing house. Concrete measures for the reform include:

1 service fee rates, reduce the issuing bank, debit card rates without super deals 0.35%, credit card rates not exceeding 0.45%;

2, lower network service fee rate, less than the transaction amount 0.065%, by issuing, acquiring agencies assumed the 50% (that is, to the card issuers, acquirers charge rate shall not exceed the amount of transaction 0.0325%);

3, non-profit health care, education, pensions, charities, Hairpin free, network service charges or fees;

4, charge service fees to market-regulated prices, acquirers charge of acquiring services from existing government guidance prices to market-regulated prices from acquirers and business consultations to establish a specific rate.

Official said, the credit card fee policy adjustment, mainly reducing business operating costs, does not involve charges to card consumers. Users sometimes online merchants do not use credit card, because merchants are unwilling to bear the fees, and some online credit card payment needs more money is the reason because the fees. After the implementation of this policy, the situation is expected to improve, competition sufficient to link service charge market-regulated prices, to play the role of market mechanism. The policy can′t help but bring to mind the earlier micro-charge news, can be said to be the Central Bank and payment baoweixin and other third party payment competition out of a large resort.

Next, the national development and Reform Commission, the people′s Bank will also be based on the bank card market and business development needs of various industries, continue to promote the card fee pricing mechanism reform.

央行发改委出大招！刷卡手续费要降了 - 银行卡,刷卡,手续费 - IT资讯

IT资讯讯 3月18日消息  今天，根据央视财经记者获得的消息，国家发展改革委、中国人民银行今日针对完善银行卡刷卡手续费定价机制发布了通知，通知给出了一系列关于发卡行服务费的降低的优惠措施。

银行卡刷卡手续费主要是收单机构收取的收单服务费、发卡机构收取的发卡行服务费和银行卡清算机构收取的网络服务费。本次改革调整的具体措施包括：

1、降低发卡行服务费费率，借记卡费率不超交易金额0.35%，贷记卡费率不超0.45%；

2、降低网络服务费费率，不超交易金额0.065%，由发卡、收单机构各承担50%（即分别向发卡、收单机构计收的费率均不超过交易金额的0.0325%）；

3、对非营利的医疗、教育、养老、慈善机构，发卡行服务费、网络服务费全免；

4、收单服务费改为市场调节价，收单机构收取的收单服务费由现行政府指导价改为实行市场调节价，由收单机构与商户协商确定具体费率。

相关人士表示，此次刷卡手续费政策调整，主要降低了商户经营成本，不涉及向持卡消费者收费。用户有时在线下会遇到商户不爱用刷卡方式的情况，正是因为商户不愿承担手续费，而有些网店信用卡付款需要加钱也是因为手续费的原因。本次政策实施后，这些情况预计将有所改善，竞争较为充分的收单环节服务费实行市场调节价，有利于发挥市场机制作用。本次政策不禁让人联想到此前微信提现收取手续费的消息，可说是央行为和支付宝微信等第三方支付竞争放出的一个大招。

下一步，国家发展改革委、人民银行还将根据银行卡市场和各行业商户发展需要，继续推进刷卡手续费定价机制市场化改革。