Does Jining Bank pay customers the handling fee for using E-code credit card to deduct merchants?

E-code of Jining Bank pays customers to use credit cards to deduct merchant handling fees. The reason for this is the following：

1. Bank service fee: Banks provide credit card payment technology and services, including payment network, payment interface, transaction processing and risk management. Banks will charge a fee for maintaining and providing these services.

2. Risk management fee: Credit card payment involves certain risks, such as payment security and fraud risk. Banks need to invest some resources to manage and reduce these risks, and the cost will be reflected in the handling fees of merchants.

3. Settlement fee: Credit card payment requires fund settlement and liquidation, involving fund circulation and the participation of settlement institutions. The settlement process needs to pay a certain fee.