In the restaurants, supermarkets, shopping malls, credit card consumption, will receive a POS list, hidden behind a small POS list, you may notice? If the amount is unsuccessful, it is likely to be related to it! ! Related to the MCC code on the POS The key point is the type of business on the POS list. We just look for a purchase order, look at the merchant number, the 8th to the 11th digit (four digits of the red), representing the type of business (English called MCC). The simple 4 numbers hide a lot of hidden rules of consumption, and the simple interpretation is like this: Rate: 1.25% Points Overview: There are points You have to know about the handling rate of swiping cards! ! The fees for meals, general, people's livelihood and public welfare are 1.25%, 0.78%, 0.38% and 0% respectively. For example, 5812 (catering), 5813 (drinking places - bars, night clubs, tea houses, cafes), the standard handling rate of UnionPay is 1.25%, which means that for every 100 yuan spent, such merchants need to pay 1.25 yuan. Handling fee. 5311 (department store), 4722 (travel agency), the rate is 0.78%; 5411 (supermarket), 4511 (ticket), these rates are 0.38%, 5039 (building materials wholesale) rate is 0.78%, but there is a ceiling, 35 yuan cap. What kind of category does the card issuer like most and hate? Card-issuing banks like food and hospitality, and they hate wholesale transactions. Why? This is related to the POS card fee! ! Basically, the credit card processing fee was divided by the credit card issuing bank, UnionPay, and POS machine manufacturers at a ratio of 7:1:2. The issuing bank took the big head. Taking 1.25% of the food and beverage as an example, the issuing bank can divide 0.9%. . The handling rate of wholesale transactions, for example, building materials wholesale 5039, no matter how much money, the handling fee is only 35, the issuing card can only be divided into 24.5. Some card friends brushed two or three thousand, thirty-five thousand, and the bank only divided 20, and the bank funds also have a cost. You said that the bank is not cool. Therefore, if you have been brushing this kind of wholesale type of capping machine for several months, don't mention the amount of money, it is normal to be derated. For the pursuit of high-value card friends, it may be worthwhile to brush the POS machines of such merchants, and many of them are used in the entertainment and general business categories. In addition, even more favorable news, since September 6 this year, the bank card processing fee has been lowered comprehensively, and the policy of “unified rate, separation of loans and loans†has been implemented. At that time, credit cards will be swiped in different merchants and different industries. The impact of the amount will not be so big~~~ GlazeKing Ceramics TechnologyCo.,Ltd. , https://www.glazekingceramics.com
Merchant Category Code: 5812
Category name: dining place and restaurant
Raise the amount of unsuccessful mystery in the POS