Bank Commission to reduce credit card fees: two birds with one stone-bank card, debit card, PayPal, micro-payments, fees, Bank-IT information

This afternoon, the national development and Reform Commission, the people′s Bank of China jointly issued a decision on perfecting the pricing mechanism of bank card fees notice, launched a series of acquirers, card issuer services fees reduce the policy, they chanted "swipe fees to drop, good news! "What′s interesting is, information editing IT in the comments section and Twitter saw many users first reaction was: so I used to swipe all fees? It came out that, where the fees are not charged to the users, but to charge merchants. In this case, is not irrelevant to this policy and consumer?

Good businesses and consumers

Of course not. First of all, we each have a credit card, to the operators would have increased fees, these fees from issuers (banks), to close one (quick money such acquirers) and China UnionPay prorate away, it is understood that this ratio is usually 7:2:1. After the implementation of this policy, issuing banks charge lower rates for debit card transactions do not exceed 0.35% of the transaction amount, credit card transaction does not exceed 0.45%, China Union pay rates level is reduced to no more than the amount of transaction 0.065%, borne by the issuing, acquiring institutions 50%; single receipt in a competitive market, acquirers and business consultations to establish a specific rate. According to preliminary estimates, various types of businesses together can reduce credit card fees each year amounts to around 7.4 billion yuan. This will greatly reduce the pressure of business operations to be borne, such a huge amount of money saved can improve the business environment for the operators, so that you can improve the consumer′s experience, in particular consumer credit card experience.

Lift a example, this times policy in the showed that, catering, industry merchant loan remember card, and debit card trading of issuing line service fee, and network service fee rates total can respectively reduced 53%-63%, obviously to above other industry of reduced range, for this just needed sex industry, policy implementation zhihou, phase more Yu in previous years, catering operators on can make out more of funds on restaurant environment for transformation upgrade, improve food of quality, attract more of consumers, to pull consumption, While consumers to go to a restaurant experience will be more comfortable. Therefore, since September this year, we are change first, may be eating restaurant, restaurant.

This new policy, whether for businesses but also for consumers, is indeed a "good news". However, the policy is a double-edged sword, good side usually will "hurt" the other party. So is it who benefit from this process? Or, who do not want this policy?

To PayPal and micro-letters "clogging"

Do not know if it had met on store credit card business advice you′d better not charge, usually they will say: "you buy XX, can use the PayPal app uses PayPal micro, brush cards, we also have to pay a fee". Yes, this policy, PayPal and micro-letter to the third-party payment mechanism does not want to see, and they, the traditional China UnionPay system′s main rival.

As smart phones and people become closer, mobile payments are increasingly becoming the preferred method of payment, PayPal and micro-payment of third-party payment online penetration is already very high, plus higher swipe fees when businesses initiative "encourages" users to use PayPal or the app, traditional methods of payment status to ourselves. According to the report, though PayPal or micro-payment business operators have to pay fees, third party paying the Agency′s subsidy, rates ranging only 0.4%-0.6%, far below the current bank card rates, plus the baoweixin and businesses often take "first year return" such as subsidies, is attracting businesses recommended the latter. After the credit card fees reduced to the same level, at least, businesses may not "blocked" user credit card, PayPal and the payment of such third-party payment, apparently hit.

Therefore, the information IT believes that the national development and Reform Commission and the Central Bank issued credit card fees reduced to micro-pay the same rates and levels, can be described as a "kill" policies, which can reduce the operation burden businesses, enhance consumers ′ shopping experience, at the business level also PayPal micro payments third party payment mechanism to cause trouble . Next, we might expect that the effective implementation of the policy, as well as debit cards, credit card payments increase in experience.

央行发改委降低刷卡手续费：一箭双雕 - 银行卡,借记卡,支付宝,微信支付,手续费,央行 - IT资讯

今天下午，国家发展改革委、中国人民银行联合印发了一项关于完善银行卡刷卡手续费定价机制的通知，推出了一系列关于收单机构、发卡机构服务费降低的政策，大家纷纷高呼“刷卡手续费要降了，好消息！”有意思的是，IT资讯编辑在评论区和微博看到不少网友的第一反应是：原来我以前刷卡都扣了手续费么？后来才知道，这里的手续费并非向用户收取，而是向商户收取。既然这样，是不是这项政策和消费者就没什么关系了？

利好商户和消费者

当然不是。首先，我们每进行一次刷卡消费，对商户而言都得增摊一笔手续费，最终这些手续费由发卡行（银行）、收单方（快钱这样的收单机构）和银联按比例分配拿走，据了解，这个比例通常为7：2：1。本次政策实施后，发卡银行收取的费率降低为借记卡交易不超过交易金额的0.35%，贷记卡交易不超过0.45%，中国银联费率水平降低为不超过交易金额的0.065%，由发卡、收单机构各承担50%；而在竞争激烈的收单市场上，收单机构与商户协商确定具体费率。根据初步测算，各类商户每年合计可减少刷卡手续费支出约74亿元。这将大大减小商户运营所要承担的压力，如此庞大的资金省下来可供商户改善经营环境，这样就可以提升消费者的消费体验，尤其是刷卡消费体验。

举个例子，本次政策中表明，餐饮等行业商户贷记卡、借记卡交易的发卡行服务费、网络服务费费率合计可分别降低53%—63%，明显要高于其他行业的降低幅度，对于这种刚需性行业，政策实施之后，相较于往年，餐饮业经营者就能够腾出更多的资金对餐馆环境进行改造升级，提高食品的质量，吸引更多的消费者，从而拉动消费，而消费者去餐馆就餐的体验则会更加舒适。因此，今年9月份以后，我们最先感到变化的，可能就是吃饭的餐厅、餐馆。

因此这政策的出台，无论对商户还是对消费者而言，都确实是个“好消息”。但是，政策都是双刃剑，利好一方通常又会“伤害”另一方。那么，有没有谁很难从这个过程中受益呢？或者说，有谁不希望这项政策出台呢？

给支付宝和微信“添堵”

不知大家此前在商店刷卡消费时是否有遇过商家规劝你最好不要刷卡的情况，通常他们会说：“您买的东西才XX元，能用支付宝微信就用支付宝微信吧，刷了卡，我们还得交手续费”。没错，这次的政策，正是支付宝和微信这样的第三方支付机构所不愿看到的，而他们，也就是传统银联系统的主要竞争对手。

随着智能手机和人的关系越来越紧密，手机支付越来越成为人们首选的支付方式，以支付宝和微信支付为主的第三方支付在线下的渗透率已经非常之高，加上此前刷卡手续费较高的时候，商户主动“怂恿”用户使用支付宝或微信，传统的支付方式地位难保。根据报道，虽然支付宝或微信支付商户也要缴纳手续费，在第三方支付机构的补贴下，费率仅为0.4%-0.6%不等，远低于目前银行卡刷卡的费率，加上支付宝微信等对商户经常会采取“首年返还”之类的补贴，更是吸引商户推荐后者。而本次刷卡手续费降到同等水平后，至少商户可能不会“阻拦”用户刷卡了，这对支付宝和微信支付这样的第三方支付而言，显然会形成冲击。

因此，IT资讯认为，这次发改委和央行出台的将刷卡手续费降低到和微信支付宝同等费率的级别，可谓是一个“一箭双雕”的政策，既能减少商户的运营负担，提升消费者的购物体验，在商业层面也能对支付宝微信支付等第三方支付机构造成麻烦。接下来，我们或许可以期望该政策的有效落实，以及借记卡、贷记卡在支付体验方面的提升。