Do you know that there is a handling fee for buying things with a credit card on Taobao? How much is the handling fee for opening a credit card in Taobao? Are buyers and sellers the same? How much is the express payment fee for opening a credit card? Is it more cost-effective to open Taobao sellers or not to open them? Let me calculate an account for you.
Testing and evaluation
Which is better, Guangfa True Love Card or Guangfa Taobao Card?
1. If you are a Taobao seller.
If you open the "credit card payment" service, then the buyer pays by credit card, and you need to pay 1% of the transaction amount (including freight) as the transaction fee. 1% handling fee is only charged for the amount paid by credit card, and will be automatically deducted from the money you receive after the transaction is successful. Payment of Alipay account balance, red envelopes, points (Taobao Mall) and shopping vouchers are not subject to handling fees.
Using the computer port for fast payment of credit cards requires a handling fee, which is 1% of the sum of the transaction amount plus the freight. The handling fee of 1% is the handling fee ratio of commercial consumption stipulated by UnionPay. Citizens spend their money by swiping their cards in general shopping malls, and the mall operators have to deduct this handling fee. There is no capped amount, and it will be charged according to the actual situation.
If you don't open the "credit card payment" service, buyers don't need to deduct your handling fee when paying by credit card. At the same time, not only do you need to pay a "handling fee" for credit card payment, but Alipay also begins to charge a "handling fee" for credit card repayment, water and electricity payment and other service functions.
2. If you are a Taobao buyer.
If the buyer is unwilling to pay the handling fee, he can pay by debit card or other means, or re-select the merchant who has already opened the payment, free of service charge. For goods with the same price, buyers can give priority to sellers who support credit card payment; In case of exclusive payment and the seller does not support credit card payment, consumers can choose Alipay and online banking to pay.
To sum up for you: Taobao buyers are more cost-effective to use other payment methods for sellers who have not opened credit card payment. For Taobao sellers, if they don't open fast credit card payment, they are likely to lose a lot of business. A handling fee of 1% will be charged when the credit card is opened, to see which is more cost-effective for the seller ~
How much handling fee will be charged to the merchant when paying by credit card in Taobao?
When shopping on Taobao, the buyer pays by credit card, and the handling fee charged is 1%, but the handling fee is not necessarily borne by the seller, but may also be borne by the buyer.
For credit card payment, the agreement on the payer is as follows:
If the seller has enabled the credit card payment function and paid by credit card, the handling fee of 1% will be deducted from the money received by the seller Alipay when confirming the receipt.
If the seller does not open the credit card payment function, the buyer can pay by credit card and enjoy 500 yuan # 47 every month; Free amount in the card, free consumption within the free amount, free of charge. If you spend more than the free amount, if you don't have a replaceable credit card, you will be charged a handling fee of 1%.
Therefore, if you run out of free credit card payment, please choose Alipay or savings card to avoid handling fees.
Extended data:
credit card
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
Do Taobao buyers pay by credit card, and do they charge the seller a handling fee of 1%?
The handling fee mainly depends on whether the seller has opened the credit card payment function, which is mainly divided into two situations:
The seller has opened the credit card payment function: the buyer uses the credit card on Taobao, and the buyer pays with the credit card when shopping. The seller needs to pay the Taobao platform: the total amount of credit card orders 1%.
The seller has not opened the credit card payment service: then when the buyer uses the credit card to shop on Taobao, the buyer will bear the handling fee of 1%.
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Frequently asked questions about credit card payment function service:
Seller's access qualification:
When the seller opens a shop and the Alipay account is bound to the mobile phone, please pay attention to the rules and regulations of Taobao platform, and the illegal shop may lose the qualification to use the credit card payment service; Abnormal transactions, false transactions and high-risk transactions judged by the system will not be able to use credit card payment services.
Temporarily closed category:
Mobile/Unicom/Telecom Recharge Center; Except mobile phone number/package/value-added service contract machine and wireless network card; Fuel card direct charging, Tencent QQ area, online game point card.
Service fee refund after refund:
If the credit card transaction is refunded, because the credit card service is settled in real time after the buyer confirms the receipt, the service fee will not be deducted before the buyer confirms the receipt; Refund after confirmation of receipt, service fee is not refundable.