Unverified60% confidenceFactExact time
The Merchant Discount Rate (MDR) is typically 1.5% to 3.5% of the transaction amount, composed of the interchange fee (approximately 70–80%), the card network service fee (approximately 10%), and the acquirer service fee (approximately 10–20%).
2
Sources
60%
Confidence
Long-term
Relevance
7/24/2026
First Seen
Sources
银行巨头联手收购卡组织，借记卡费率监管面临挑战
hackernewshackernews7/7/2026
Related Claims
UnverifiedStarting October 15, certain high-value payments made via UPI will be subject to a 0.4% merchant discount rate (MDR)69% similarUnverifiedChained discounts mean multiple discounts are applied in sequence to the successively reduced amount rather than adding the percentages together; for example, 10+5 means a 10% discount followed by a 5% discount, for an actual discount rate of 14.5%, lower than the intuitive 15%.64% similarUnverifiedThe pay-as-you-go recharge business model is essentially cost arbitrage, reselling token quotas after bulk-purchasing accounts through low-price channels (costs may be as low as 30%–50% of the official price), leaving a fragile profit margin.62% similarUnverifiedA merchant's Chargeback rate exceeding 1% of total transaction volume typically triggers penalty mechanisms from card networks, including fines and even termination of acquiring eligibility.61% similarUnverifiedMainstream model providers typically charge far less than the standard price for cached-hit tokens, generally 10% to 25% of the original price.61% similar
Cite This Claim
Stable URI
https://kongchang.com/claim/608501API
curl https://kongchang.com/api/v1/knowledge/claims/608501MCP
get_claim(id=608501)