消費税が上がったら、クレジットカードの決済手数料も当然ですがあがります

消費税の増税に合わせて導入するポイント還元が終わると同時にJCBなどのカード決済手数料が上がるみたい。どのくらい先になるのかちょっとわからんけど。

www.nikkei.com

現在3.25%のクレジットカード決済手数料が上がる？いまでもクレジットカード決済導入に迷う小売業者が気になるポイントの一つがこの決済手数料。交渉次第で多少変わったりもしますが、安くても2％台半ばくらい。大抵は3％前後といったところでしょうか。どうでしょう？

www.cardfellow.com

こちらのサイトのレートを見ると、クレジットカード会社のサービスによってさまざまなレートが公開されています。日本の場合のどれがこのリストのどこにあてはまるのかよくわからないところがミソ。

VISAだけでもこんなにたくさん

Visa
Debit AssessmentAlso called Visa US Acquirer Service Fee – Debit This assessment applies to all Visa debit transactions.	0.13%
Credit AssessmentAlso called Visa US Acquirer Service Fee – Credit This assessment applies to all Visa credit transactions. This assessment increased from 0.13% to 0.14% on January 1, 2019.	0.14%
Acquirer Processing Fee (APF) – CreditAlso called Visa Authorization Processing Fee – Variable Credit The Acquirer Processing Fee applies to all U.S.-based credit card authorizations acquired in the U.S. regardless of where the issuer/cardholder is located. If your business is based in the U.S., the acquirer processing fee will apply to all Visa credit card authorizations.	$0.0195
Acquirer Processing Fee (APF) – DebitAlso called Visa Authorization Processing Fee – Variable Debit This fee applies to all Visa non-PIN debit authorizations acquired in the U.S.	$0.0155
Credit Voucher Fee – CreditThis fee applies to refund transactions involving a credit card.	$0.0195
Credit Voucher Fee – DebitThis fee applies to refund transactions involving a debit card.	$0.0155
Base II Credit Voucher Fee (Credit)The Base II Credit Voucher Fee applies to all U.S.-based refund transactions involving a credit card.	$0.0195
Base II Credit Voucher Fee (Debit)The Base II Credit Voucher Fee applies to all U.S.-based refund transactions involving a debit card.	$0.0155
System File Transmission FeeAlso called Visa Base II System File Transmission Fee System File Transmission Fee applies to all Visa transactions and is charged in addition to other transaction-based assessments, such as the Acquirer Processing Fee.	$0.0018
Transaction Integrity Fee (TIF) Also called Visa Debit Integrity Fee This fee applies to transactions involving Visa non-PIN debit and prepaid cards that do not meet CPS requirements.	$0.10
Fixed Acquirer Network Fee (FANF)FANF is a monthly fee that varies based on processing method, number of locations and volume.	Varies
Kilobyte (KB) Access FeeVisa’s kilobyte fee is charged on each authorization transaction submitted to Visa’s network for settlement.	$0.0047
Misuse of Authorization FeeThe Misuse of Authorization Fee applies to Visa authorizations that are not followed by a matching clearing transaction (or in the case of a cancelled or timed out authorization, not properly reversed).	$0.09
Zero Floor Limit FeeVisa’s Zero Floor Limit applies to cleared transactions that can’t be matched to a previously approved or partially-approved authorization. In short, it applies to settlement transactions submitted without a proper authorization.	$0.20
Zero Dollar Verification FeeThe Zero Dollar Verification fee applies to Zero Dollar Verification messages (approved and declined). Zero Dollar Verification messages include the verification of the card account number, address verification (through AVS), Card Verification Value 2 (CVV2) and Single Message System (SMS) acquired Account Verification authorizations. The Visa Misuse of Authorization Fee does not apply to these requests. The fee applies when you want to verify a cardholder’s information without actually authorizing an amount of their card.	$0.025
International Service Assessment Fee (ISA)The International Service Assessment Fee applies to U.S. acquired transactions paid for with a card issued outside of the U.S.	0.80%
International Acquirer FeeThe International Acquirer Fee applies under the same circumstances as the International Service Assessment Fee noted above.Note: The International Service Assessment Fee and International Acquirer Fee often both apply to the same transaction bringing the total charge to 0.85%.	0.45%