What is the charging standard of CCB's mobile payment code?

The handling fee of CCB payment code depends on what kind of payment code the user has opened, and different payment codes have different handling fee rules.

If it is an individual merchant (Longshang), the default merchant handling fee rate is 0.5%, and the transaction limit of small and micro merchants of individual merchant (Longshang) is a single 500 yuan, and the daily accumulated amount is 1 1,000 yuan; Individual merchants (dragon merchants) who are not small and micro merchants are not limited. It should be noted that different bank limits and rate standards are different, depending on the actual situation of local banks.

If it is a summary of the handling fee of the collection code, you want to inquire through the merchant service platform or directly consult the account manager of the handling bank. If you choose the personal payment receipt code, there is no handling fee. At present, banks that use the dragon payment service will not charge users any personal fees.

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What are the requirements for handling the bank receipt code?

Under normal circumstances, a bank's personal collection code only needs to have a bank account, and registered mobile banking can directly apply for a personal collection code on the mobile banking app.

If the merchant's payment code is also to open a financial institution settlement account in a financial institution, he can apply for registration through the counter or mobile banking. However, the materials to be presented include ID photo, bank card account information, hand-held ID photo, store door photo, cashier photo and business license information. After the data is submitted, it will be reviewed, and the payment code can be obtained after the review is passed.

The bank payment code rate is different according to the user's payment method, and the corresponding handling fee rate is also different. Among them, the rate paid by WeChat and Alipay is 0.38%. When using a debit card to pay, the merchant's handling fee is 0.5%, and the maximum is not more than 20 yuan; When paying by credit card, the merchant's handling fee rate is 0.5%.

The following are the specific charges for the bank QR code:

1, the collection rate of CCB QR code: as low as 0.25%;

2. Agricultural Bank QR code collection rate: as low as 0.20%;

3. Ping An Bank QR code collection rate: 0.35%;

4. ICBC QR code collection rate: merchant debit card 0.3%, bank card seal * 13 yuan, and credit card rate 0.5%;

5. Bank of Communications two-dimensional code collection rate: there is no handling fee for collection and payment, and fund transactions between individuals can be received in real time using two-dimensional code.

Generally, QR code collection is received in real time. Moreover, the funds will be automatically cleared to the bank card on T+ 1 after arrival, and merchants do not need to manually withdraw cash.

"From March 1 2022, it is forbidden to use personal payment code for business services" and "It is forbidden to use personal static payment bar code for remote non-face-to-face payment"

In the daily life of consumers, payment methods such as scanning code payment are common, and such behaviors will be included in supervision.

202 1, 10, official website, the central bank issued the Notice of the People's Bank of China on Strengthening the Management of Payment Acceptance Terminals and Related Services (Yinfa [2021] No.259), which proposed bill acquiring institutions and clearing structures from three aspects: payment acceptance terminal business management, special merchant management and bill acquiring business monitoring.

At the same time, bar code payment has also been included in the supervision, and specific provisions have been made on the use of personal collection bar codes, which will be implemented on March 1 2022.