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\u8868\u9762\u9988\u8d60\uff1a\u6d88\u8d39\u8005\u89c6\u89d2\u4e0b\u7684\u201c\u798f\u5229\u201d<\/strong><\/h4>\n<p>\u5bf9\u4e8e\u666e\u901a\u6301\u5361\u4eba\u800c\u8a00\uff0c\u201c\u8fd4\u73b0\u201d\u548c\u201c\u79ef\u5206\u201d\u662f\u6e05\u6670\u660e\u4e86\u7684\u5956\u52b1\u3002<\/p>\n<ul>\n<li><strong>\u8fd4\u73b0<\/strong>\uff1a\u7b80\u5355\u76f4\u63a5\uff0c\u901a\u5e38\u4ee5\u6d88\u8d39\u91d1\u989d\u7684\u767e\u5206\u6bd4\uff08\u59821% &#8211; 6%\uff09\u8fd4\u8fd8\u73b0\u91d1\u3002\u8fd9\u79cd\u5f62\u5f0f\u95e8\u69db\u4f4e\u3001\u6613\u4e8e\u7406\u89e3\uff0c\u6df1\u53d7\u8ffd\u6c42\u5b9e\u5728\u4ef7\u503c\u7684\u7528\u6237\u559c\u7231\u3002<\/li>\n<li><strong>\u79ef\u5206<\/strong>\uff1a\u66f4\u5177\u7075\u6d3b\u6027\u548c\u60f3\u8c61\u7a7a\u95f4\u3002\u79ef\u5206\u53ef\u4ee5\u5151\u6362\u822a\u7a7a\u91cc\u7a0b\u3001\u9152\u5e97\u4f4f\u5bbf\u3001\u793c\u54c1\u5361\u4e43\u81f3\u5546\u54c1\u3002\u9ad8\u7aef\u65c5\u884c\u4fe1\u7528\u5361\u5e38\u4ee5\u6b64\u4e3a\u6838\u5fc3\u5356\u70b9\uff0c\u4e3a\u9891\u7e41\u51fa\u5dee\u7684\u5546\u52a1\u4eba\u58eb\u6216\u65c5\u884c\u7231\u597d\u8005\u521b\u9020\u5de8\u5927\u4ef7\u503c\u3002<\/li>\n<\/ul>\n<p>\u8fd9\u4e24\u79cd\u6a21\u5f0f\u5171\u540c\u6784\u6210\u4e86\u5438\u5f15\u7528\u6237\u529e\u5361\u3001\u5f00\u5361\u6d88\u8d39\u5e76\u4fdd\u6301\u5fe0\u8bda\u5ea6\u7684\u5f3a\u5927\u78c1\u77f3\u3002\u7136\u800c\uff0c\u8fd9\u4ec5\u4ec5\u662f\u51b0\u5c71\u4e00\u89d2\u3002<\/p>\n<h4><strong>\u4e8c\u3001 \u6838\u5fc3\u5f15\u64ce\uff1a\u53d1\u5361\u884c\u7684\u6536\u5165\u6765\u6e90<\/strong><\/h4>\n<p>\u53d1\u5361\u94f6\u884c\uff08\u5982Chase, American Express, Citi\u7b49\uff09\u7edd\u975e\u6148\u5584\u673a\u6784\u3002\u201c\u6177\u6168\u201d\u5956\u52b1\u7684\u80cc\u540e\uff0c\u662f\u5176\u591a\u5143\u5316\u4e14\u7a33\u5b9a\u7684\u6536\u5165\u6d41\u652f\u6491\u3002<\/p>\n<ol>\n<li>\n<p><strong>\u4ea4\u6362\u8d39\u2014\u2014\u652f\u4ed8\u7684\u57fa\u77f3<\/strong><br \/>\n\u8fd9\u662f\u6574\u4e2a\u751f\u6001\u7cfb\u7edf\u7684\u751f\u547d\u7ebf\u3002\u5f53\u6d88\u8d39\u8005\u4f7f\u7528\u4fe1\u7528\u5361\u4ed8\u6b3e\u65f6\uff0c\u5546\u6237\u9700\u8981\u5411\u6536\u5355\u673a\u6784\uff08Acquirer\uff09\u652f\u4ed8\u4e00\u7b14\u624b\u7eed\u8d39\uff08\u901a\u5e38\u57281.5% &#8211; 3.5%\u4e4b\u95f4\uff09\uff0c\u8fd9\u7b14\u8d39\u7528\u4e2d\u7684\u5927\u90e8\u5206\u4f1a\u901a\u8fc7\u652f\u4ed8\u7f51\u7edc\uff08Visa, Mastercard\u7b49\uff09\u8f6c\u7ed9\u53d1\u5361\u884c\uff0c\u8fd9\u5c31\u662f\u201c\u4ea4\u6362\u8d39\u201d\u3002\u4f5c\u4e3a\u56fd\u9645\u652f\u4ed8\u7f51\u5173\u4e13\u5bb6\u6211\u4eec\u770b\u5230\u7684\u662f\uff1a<strong>\u94f6\u884c\u63d0\u4f9b\u7684\u6bcf\u7b14\u5956\u52b1\uff08\u4f8b\u59821.5%\u7684\u8fd4\u73b0\uff09\uff0c\u5176\u6210\u672c\u5f88\u5927\u7a0b\u5ea6\u4e0a\u5df2\u88ab\u4ea4\u6362\u8d39\u6240\u8986\u76d6<\/strong>\u3002\u94f6\u884c\u626e\u6f14\u4e86\u4e00\u4e2a\u8d44\u91d1\u548c\u4ef7\u503c\u7684\u518d\u5206\u914d\u89d2\u8272\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5faa\u73af\u5229\u606f\u2014\u2014\u5229\u6da6\u7684\u6838\u5fc3<\/strong><br \/>\n\u8fd9\u662f\u53d1\u5361\u884c\u6700\u4e30\u539a\u7684\u5229\u6da6\u6765\u6e90\u3002\u7f8e\u56fd\u6d88\u8d39\u8005\u666e\u904d\u6709\u900f\u652f\u6d88\u8d39\u7684\u4e60\u60ef\u3002\u5982\u679c\u7528\u6237\u672a\u80fd\u5168\u989d\u8fd8\u6b3e\uff0c\u5269\u4f59\u90e8\u5206\u5c06\u4ea7\u751f\u9ad8\u6602\u7684\u5e74\u5316\u5229\u7387\uff08APR\uff09\uff0c\u53ef\u9ad8\u8fbe15%\u81f325%\u751a\u81f3\u66f4\u9ad8\u3002\u201c\u8fd4\u73b0\u201d\u548c\u201c\u79ef\u5206\u201d\u7b56\u7565\u5de7\u5999\u5730\u6fc0\u52b1\u4e86\u66f4\u591a\u6d88\u8d39\u884c\u4e3a\u65e0\u5f62\u4e2d\u589e\u52a0\u4e86\u7528\u6237\u4ea7\u751f\u5faa\u73af\u5229\u606f\u7684\u6982\u7387\u5bf9\u94f6\u884c\u800c\u8a00\u7528\u5c11\u91cf\u5956\u52b1\u64ac\u52a8\u5de8\u989d\u5229\u606f\u6536\u5165\u662f\u4e00\u7b14\u6781\u5176\u5212\u7b97\u7684\u751f\u610f<\/p>\n<\/li>\n<li>\n<p><strong>\u5e74\u8d39\u4e0e\u5176\u4ed6\u8d39\u7528<\/strong><br \/>\n\u63d0\u4f9b\u9ad8\u989d\u56de\u62a5\u7684\u9876\u7ea7\u5361\u7247\u901a\u5e38\u6536\u53d6\u4e0d\u83f2\u7684\u5e74\u8d39\uff08\u5982<x-equation>95 &#8211; <\/x-equation>695\uff09\u3002\u8fd9\u90e8\u5206\u662f\u94f6\u884c\u7684\u7eaf\u5229\u6da6\u524d\u63d0\u662f\u5361\u7247\u63d0\u4f9b\u7684\u6743\u76ca\u8db3\u4ee5\u8ba9\u7528\u6237\u89c9\u5f97\u7269\u6709\u6240\u503c\u6b64\u5916\u903e\u671f\u7f5a\u6b3e\u5883\u5916\u4ea4\u6613\u8d39\u7b49\u4e5f\u662f\u91cd\u8981\u7684\u8865\u5145\u6536\u5165<\/p>\n<\/li>\n<\/ol>\n<h4><strong>\u4e09\u3001 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interchange fee\u6536\u5165\u548c\u4ea4\u53c9\u9500\u552e\u673a\u4f1a\u8fdc\u9ad8\u4e8e\u524d\u8005<\/li>\n<li><strong>\u98ce\u9669\u5b9a\u4ef7<\/strong>\uff1a\u201c\u7f8a\u6bdb\u51fa\u5728\u7f8a\u8eab\u4e0a\u201d\u3002\u94f6\u884c\u901a\u8fc7\u590d\u6742\u7684\u4fe1\u7528\u8bc4\u5206\u6a21\u578b\u8bc4\u4f30\u7528\u6237\u7684\u8fdd\u7ea6\u98ce\u9669\u4e3a\u9ad8\u98ce\u9669\u7528\u6237\u63d0\u4f9b\u8f83\u4f4e\u989d\u5ea6\u6216\u65e0\u5956\u52b1\u7684\u5361\u7247\u4ee5\u786e\u4fdd\u6574\u4f53\u4e1a\u52a1\u7684\u76c8\u5229\u80fd\u529b<\/li>\n<\/ul>\n<h4><em><strong>4<\/strong><\/em> , \u0438 <em><strong>\u751f\u6001\u5171\u8d62<\/strong><\/em> ::<em><strong>\u5408\u4f5c\u5546\u6237\u4e0e\u652f\u4ed8\u7f51\u7edc\u7684\u89d2\u8272<\/strong><\/em><\/h4>\n<p>\u8fd9\u4e2a\u751f\u6001\u7cfb\u7edf\u79bb\u4e0d\u5f00\u5176\u4ed6\u5173\u952e\u53c2\u4e0e\u8005<\/p>\n<ul>\n<li><em><strong>\u5408\u4f5c\u5546\u6237<\/strong><\/em> \uff1a\u94f6\u884c\u4e3a\u7279\u5b9a\u5546\u6237\u7c7b\u522b\u63d0\u4f9b\u9ad8\u989d\u8fd4\u73b0\u5c06\u5ba2\u6d41\u5bfc\u5411\u8fd9\u4e9b\u5408\u4f5c\u4f19\u4f34\u5546\u6237\u867d\u7136\u4ed8\u51fa\u4e86\u66f4\u9ad8\u7684 interchange fee\u4f46\u83b7\u5f97\u4e86\u7cbe\u51c6\u8425\u9500\u548c\u9500\u552e\u989d\u63d0\u5347\u4f5c\u4e3a\u56de\u62a5\u8fd9\u662f\u4e00\u79cd\u5178\u578b\u7684\u5171\u8d62\u5408\u4f5c\u5e38\u89c1\u4e8e\u822a\u7a7a\u516c\u53f8\u9152\u5e97\u96c6\u56e2\u8054\u540d\u5361<\/li>\n<li><em><strong>\u652f\u4ed8\u7f51\u7edcVisaMastercardAmerican Express<\/strong><\/em> \uff1a\u5b83\u4eec\u6784\u5efa\u4e86\u5168\u7403\u652f\u4ed8\u7684\u5e95\u5c42\u57fa\u7840\u8bbe\u65bd\u5e76\u901a\u8fc7\u8bbe\u5b9a interchange fee\u6807\u51c6\u4ece\u6bcf\u7b14\u4ea4\u6613\u4e2d\u5206\u5f97\u4e00\u676f\u7fb9\u5b83\u4eec\u4e5f\u6295\u5165\u5de8\u8d44\u8fdb\u884c\u54c1\u724c\u8425\u9500\u548c\u7ef4\u62a4\u7f51\u7edc\u5b89\u5168\u786e\u4fdd\u6574\u4e2a\u7cfb\u7edf\u7684\u987a\u7545\u8fd0\u884c<\/li>\n<\/ul>\n<h4><strong><strong>5<\/strong><\/strong> , \u0438 <strong><strong>\u5bf9\u4e2d\u56fd\u5e02\u573a\u7684\u542f\u793a<\/strong><\/strong><\/h4>\n<p>\u7f8e\u56fd\u7684\u4fe1\u7528\u5361\u6587\u5316\u662f\u5176\u9ad8\u5ea6\u53d1\u8fbe\u7684\u91d1\u878d\u5e02\u573a\u548c\u5b8c\u5584\u7684\u4e2a\u4eba\u5f81\u4fe1\u4f53\u7cfb\u7684\u4ea7\u7269\u5bf9\u4e8e\u6b63\u5728\u84ec\u52c3\u53d1\u5c55\u7684\u4e2d\u56fd\u79fb\u52a8\u652f\u4ed8\u548c\u4fe1\u7528\u5361\u5e02\u573a\u6709\u4ee5\u4e0b\u542f\u793a<\/p>\n<ol>\n<li><strong><strong>\u7cbe\u7ec6\u5316\u8fd0\u8425\u662f\u5173\u952e<\/strong><\/strong> \uff1a\u7c97\u653e\u5f0f\u7684\u8865\u8d34\u96be\u4ee5\u6301\u7eed\u672a\u6765\u7684\u7ade\u4e89\u5c06\u8f6c\u5411\u57fa\u4e8e\u5927\u6570\u636e\u5206\u6790\u7684\u4e2a\u6027\u5316\u7cbe\u51c6\u8425\u9500\u4e3a\u7528\u6237\u91cf\u8eab\u5b9a\u5236\u5956\u52b1\u65b9\u6848<\/li>\n<li><strong><strong>\u6784\u5efa\u751f\u6001\u95ed\u73af<\/strong><\/strong> \uff1a\u5c06\u652f\u4ed8\u5de5\u5177\u4e0e\u7535\u5546\u65c5\u884c\u751f\u6d3b\u670d\u52a1\u7b49\u573a\u666f\u6df1\u5ea6\u7ed1\u5b9a\u63d0\u5347\u7528\u6237\u7c98\u6027\u5e76\u4ece\u6574\u4e2a\u751f\u6001\u4e2d\u6316\u6398\u4ef7\u503c\u800c\u975e\u4ec5\u4ec5\u4f9d\u8d56\u606f\u5dee\u6536\u5165<\/li>\n<li><strong><strong>\u98ce\u9669\u7ba1\u7406\u662f\u57fa\u77f3<\/strong><\/strong><\/li>\n<\/ol>\n<p>\u597d\u7684\uff0c\u6211\u4eec\u63a5\u7740\u4e0a\u6587\uff0c\u7ee7\u7eed\u6df1\u5165\u63a2\u8ba8\u8fd9\u4e00\u5546\u4e1a\u903b\u8f91\u5bf9\u4e2d\u56fd\u5e02\u573a\u53ca\u672a\u6765\u8d8b\u52bf\u7684\u542f\u793a\u4e0e\u5f71\u54cd\u3002<\/p>\n<h4><strong>\u4e94\u3001\u5bf9\u4e2d\u56fd\u5e02\u573a\u7684\u542f\u793a\u4e0e\u5dee\u5f02\u5316\u5206\u6790<\/strong><\/h4>\n<p>\u4e2d\u56fd\u7684\u652f\u4ed8\u5e02\u573a\u4ee5\u652f\u4ed8\u5b9d\u548c\u5fae\u4fe1\u652f\u4ed8\u7b49\u79fb\u52a8\u652f\u4ed8\u7684\u7edd\u5bf9\u4e3b\u5bfc\u4e3a\u7279\u5f81\uff0c\u4fe1\u7528\u5361\u6587\u5316\u7684\u53d1\u5c55\u8def\u5f84\u4e0e\u7f8e\u56fd\u6709\u663e\u8457\u4e0d\u540c\u3002\u7136\u800c\uff0c\u7f8e\u56fd\u6a21\u5f0f\u7684\u7cbe\u9ad3\u2014\u2014<strong>\u751f\u6001\u6784\u5efa\u4e0e\u7cbe\u7ec6\u5316\u8fd0\u8425<\/strong>\u2014\u2014\u6781\u5177\u53c2\u8003\u4ef7\u503c\u3002<\/p>\n<ol>\n<li>\n<p><strong>\u4ece\u201c\u652f\u4ed8\u5de5\u5177\u201d\u5230\u201c\u751f\u6d3b\u65b9\u5f0f\u5165\u53e3\u201d\u7684\u8dc3\u8fc1<\/strong><\/p>\n<ul>\n<li><strong>\u7f8e\u56fd\u8def\u5f84<\/strong>\uff1a\u4fe1\u7528\u5361\uff08\u7269\u7406\u5361\uff09\u662f\u6838\u5fc3\u8f7d\u4f53\uff0c\u901a\u8fc7\u79ef\u5206\/\u8fd4\u73b0\u4f53\u7cfb\u8fde\u63a5\u5404\u7c7b\u5546\u6237\u3002<\/li>\n<li><strong>\u4e2d\u56fd\u73b0\u72b6<\/strong>\uff1a\u8d85\u7ea7App\uff08\u5982\u652f\u4ed8\u5b9d\u3001\u5fae\u4fe1\uff09\u672c\u8eab\u5c31\u662f\u5f3a\u5927\u7684\u751f\u6d3b\u65b9\u5f0f\u5165\u53e3\uff0c\u5185\u5d4c\u4e86\u4fe1\u7528\u5361\u8fd8\u6b3e\u3001\u6d88\u8d39\u4fe1\u8d37\uff08\u82b1\u5457\u3001\u5fae\u7c92\u8d37\uff09\u3001\u7406\u8d22\u3001\u751f\u6d3b\u670d\u52a1\u7b49\u529f\u80fd\u3002\u4e2d\u56fd\u7684\u7ade\u4e89\u65e9\u5df2\u8d85\u8d8a\u4e86\u5361\u7247\u672c\u8eab\uff0c\u800c\u662f\u5e73\u53f0\u7ea7\u751f\u6001\u7684\u7ade\u4e89\u3002<\/li>\n<li><strong>\u542f\u793a<\/strong>\uff1a\u5bf9\u4e8e\u4e2d\u56fd\u7684\u94f6\u884c\u548c\u91d1\u878d\u673a\u6784\u800c\u8a00\uff0c\u53d1\u5361\u53ea\u662f\u7b2c\u4e00\u6b65\u3002\u5173\u952e\u5728\u4e8e\u5982\u4f55\u5c06\u4fe1\u7528\u5361\u4e1a\u52a1\u6df1\u5ea6\u6574\u5408\u5230\u8fd9\u4e9b\u5df2\u6709\u7684\u6570\u5b57\u751f\u6001\u4e2d\uff0c\u6216\u6253\u9020\u81ea\u8eab\u6709\u5438\u5f15\u529b\u7684\u5782\u76f4\u573a\u666fApp\uff08\u5982\u62db\u5546\u94f6\u884c\u7684\u201c\u638c\u4e0a\u751f\u6d3b\u201d\uff09\uff0c\u5b9e\u73b0\u4ece\u201c\u652f\u4ed8-\u79ef\u5206-\u6743\u76ca\u5151\u6362-\u4e8c\u6b21\u6d88\u8d39\u201d\u7684\u65e0\u7f1d\u95ed\u73af\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u79ef\u5206\u4f53\u7cfb\u7684\u201c\u7834\u58c1\u201d\u4e0e\u901a\u7528\u6027<\/strong><\/p>\n<ul>\n<li><strong>\u7f8e\u56fd\u4f18\u52bf<\/strong>\uff1a\u822a\u7a7a\u91cc\u7a0b\u3001\u9152\u5e97\u79ef\u5206\u7b49\u7cfb\u7edf\u9ad8\u5ea6\u6210\u719f\u4e14\u4e92\u901a\u6027\u5f3a\uff0c\u5f62\u6210\u4e86\u516c\u8ba4\u7684\u4ef7\u503c\u5c3a\u5ea6\u3002\u4f8b\u5982\uff0c\u201c\u8fd0\u901a\u4f1a\u5458\u5956\u52b1\u201d\u70b9\u6570\u53ef\u4ee5\u7075\u6d3b\u8f6c\u79fb\u5230\u591a\u5bb6\u822a\u7a7a\u6216\u9152\u5e97\u4f19\u4f34\u3002<\/li>\n<li><strong>\u4e2d\u56fd\u6311\u6218<\/strong>\uff1a\u56fd\u5185\u94f6\u884c\u95f4\u7684\u79ef\u5206\u4f53\u7cfb\u76f8\u5bf9\u5b64\u7acb\uff0c\u201c\u5b64\u5c9b\u6548\u5e94\u201d\u660e\u663e\u3002\u79ef\u5206\u5151\u6362\u95e8\u69db\u9ad8\u3001\u4ef7\u503c\u611f\u5f31\u662f\u666e\u904d\u7528\u6237\u75db\u70b9\u3002<\/li>\n<li><strong>\u673a\u9047<\/strong>\uff1a\u672a\u6765\u6700\u5927\u7684\u7a81\u7834\u70b9\u5728\u4e8e\u5efa\u7acb\u8de8\u5e73\u53f0\u3001\u8de8\u884c\u4e1a\u7684\u901a\u7528\u79ef\u5206\u8054\u76df\u3002\u8ba9\u7528\u6237\u5728\u4e0d\u540c\u94f6\u884c\u3001\u4e0d\u540c\u7535\u5546\u5e73\u53f0\u751a\u81f3\u7ebf\u4e0b\u5546\u6237\u6d88\u8d39\u83b7\u5f97\u7684\u79ef\u5206\u80fd\u591f\u805a\u5408\u5e76\u5151\u6362\u6210\u5177\u6709\u771f\u6b63\u5438\u5f15\u529b\u7684\u6743\u76ca\uff08\u5982\u89c6\u9891\u7f51\u7ad9\u4f1a\u5458\u3001\u6253\u8f66\u5238\u3001\u673a\u573a\u8d35\u5bbe\u5385\u670d\u52a1\uff09\uff0c\u8fd9\u5c06\u6781\u5927\u63d0\u5347\u7528\u6237\u5fe0\u8bda\u5ea6\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u6570\u636e\u9a71\u52a8\u7684\u4e2a\u6027\u5316\u8425\u9500\u53d6\u4ee3\u7c97\u653e\u8865\u8d34<\/strong><\/p>\n<ul>\n<li>\u4e2d\u56fd\u62e5\u6709\u4e16\u754c\u4e0a\u6700\u5e9e\u5927\u7684\u79fb\u52a8\u652f\u4ed8\u7528\u6237\u884c\u4e3a\u548c\u5730\u7406\u4f4d\u7f6e\u6570\u636e\u3002\u8fd9\u4e3a\u7cbe\u51c6\u7684\u7528\u6237\u753b\u50cf\u548c\u98ce\u9669\u5b9a\u4ef7\u63d0\u4f9b\u4e86\u5f97\u5929\u72ec\u539a\u7684\u57fa\u7840\u3002<\/li>\n<li><strong>\u672a\u6765\u65b9\u5411<\/strong>\uff1a\u544a\u522b\u201c\u4e00\u5200\u5207\u201d\u7684\u8fd4\u73b0\u89c4\u5219\uff0c\u8f6c\u5411\u57fa\u4e8eAI\u7b97\u6cd5\u7684\u52a8\u6001\u5956\u52b1\u3002\u4f8b\u5982\uff0c\u7cfb\u7edf\u8bc6\u522b\u51fa\u67d0\u7528\u6237\u662f\u5496\u5561\u7231\u597d\u8005\u540e\uff0c\u81ea\u52a8\u4e3a\u5176\u5e38\u53bb\u7684\u5496\u5561\u9986\u6d88\u8d39\u63d0\u4f9b5%\u989d\u5916\u5956\u52b1\uff1b\u8bc6\u522b\u51fa\u6709\u80b2\u513f\u9700\u6c42\u7684\u5bb6\u5ead\uff0c\u5219\u5728\u6bcd\u5a74\u7528\u54c1\u5e97\u63d0\u4f9b\u9ad8\u500d\u79ef\u5206\u3002\u8fd9\u79cd\u201c\u61c2\u6211\u6240\u9700\u201d\u7684\u4e2a\u6027\u5316\u4f53\u9a8c\uff0c\u624d\u662f\u7559\u4f4f\u9ad8\u7aef\u7528\u6237\u7684\u738b\u9053\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h4><em><strong>6<\/strong><\/em> , \u0438 <em><strong>\u0431\u0443\u0434\u0443\u0449\u0438\u0435 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438<\/strong><\/em> ::<em><strong>\u6311\u6218\u4e0e\u6f14\u53d8<\/strong><\/em><\/h4>\n<p>\u5373\u4f7f\u5728\u7f8e\u56fd\u8fd9\u4e2a\u6210\u719f\u5e02\u573a\uff0c\u201c\u8fd4\u73b0\u201d\u548c\u201c\u79ef\u5206\u201d\u6587\u5316\u4e5f\u9762\u4e34\u7740\u65b0\u7684\u6311\u6218\u548c\u6f14\u53d8\u3002<\/p>\n<ul>\n<li><em><strong>\u76d1\u7ba1\u4e0e\u6280\u672f\u5e26\u6765\u7684\u6210\u672c\u538b\u529b<\/strong><\/em> \uff1a\u90e8\u5206\u56fd\u5bb6\u548c\u5730\u533a\u6b63\u5728\u7acb\u6cd5\u9650\u5236 interchange fee \u7684\u4e0a\u9650\uff08\u5982\u6b27\u76df\uff09\uff0c\u8fd9\u76f4\u63a5\u538b\u7f29\u4e86\u53d1\u5361\u884c\u63d0\u4f9b\u9ad8\u989d\u5956\u52b1\u7684\u7a7a\u95f4\u3002\u540c\u65f6\uff0c\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u7b49\u65b0\u578b\u652f\u4ed8\u65b9\u5f0f\u7684\u5174\u8d77\u4e5f\u5bf9\u4f20\u7edf\u4fe1\u7528\u5361\u6784\u6210\u4e86\u5206\u6d41\u6311\u6218\u3002<\/li>\n<li><em><strong>\u4ef7\u503c\u56de\u5f52\u4e0e\u7b80\u7ea6\u4e3b\u4e49<\/strong><\/em> 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