A small part of your bill goes to the card brands themselves.
The second part of your monthly statement is the compensation to the card brands themselves (Visa, MasterCard, Discover, and American Express). * NOTE: Discover and American Express are paid by interchange AND dues, assessments, and fees, whereas Visa and MasterCard are ONLY paid by dues, assessments, and fees. (Click on card brand logo below to view the fees for that brand.)
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Credit Assessments
0.14% of credit card volume and $0.0195/transaction.
International Acquirer Fee
0.45% surcharge from Visa for non-US issued cards that are processed in the US.
Misuse of Authorization Fee
$0.09/transaction fee on authorized transactions that do not have a matching settled sale.
Debit Assessments
0.13% of debit card volume and $0.0155/transaction.
Transaction Integrity Fee
$0.10/transaction fee is assessed when a settled debit/prepaid card doesn’t meet certain AVS or settling requirements.
Base II System File Fee
$0.0018/transaction fee charged for each authorized transaction submitted for settlement.
FANF
Fixed Acquirer Network Fee: a flat fee based on how much volume you process per month.
Zero Floor Limit Fee
$0.20/transaction fee assessed when a settled transaction can’t be linked to a proper authorization.
International
Service Assessment Fee
0.80% on any card you accept as a US-based merchant, in USD currency, from outside the US .
Zero Dollar Verification Fee
$0.025/transaction fee when cardholder information (AVS, CCV) is verified without authorizing the sale.
Credit/Debit
Assessments <$1000
0.1275% of card volume and $0.0195/transaction for sales under $1,000.
Cross Border Assessment Fee (Non USD)
1.00% on any card from outside the US that is settled in non-US dollars.
Card Validation Code Fee
$0.0025/transaction for transactions submitted with the Card Validation Code (CCV)
Processing Integrity Fee
$0.055/transaction fee when transactions are not settled within 24 hours for Card-Present sales, or 72 hours for Card-Not-Present sales.
Credit/Debit
Assessments >$1000
0.1475% of card volume and $0.0195/transaction for sales over $1,000
Annual Location Fee
$15 annual fee billed at $1.25/mo. Not applied for when processing <$100/mo., nor for some charitable or religious organizations
Pre-Authorization
Integrity Fee
$0.045/transaction for pre-authorizations not fully reversed or cleared within 30 calendar days of the authorization date.
Processing Integrity Fee
Detail Reporting
$0.012/transaction for any authorization that generates a processing integrity fee for pre authorizations, final authorizations or undefined authorizations.
Digital Enablement Fee
0.01% on Card-Not-Present sales for commercial cards, consumer credit cards, and signature debit cards.
AVS Fee
(Card-Present)
$0.005/transaction for using Address Verification Services in a Card-Present environment.
Undefined Authorization
Integrity Fee
$0.045/transaction fee for undefined authorizations that are not fully reversed or cleared within 7 calendar days of the authorization date.
Account Status Inquiry Fee
$0.025/transaction when cardholder information (AVS, CCV) is verified without authorizing the sale.
Cross Border Assessment Fee (Domestic)
0.60% on any card from outside the US
AVS Fee
(Card-Not-Present)
$0.01/transaction for using Address Verification Services in a Card-Not-Present environment.
Final Authorization
Integrity Fee
0.25% volume fee ($0.04 minimum) for final authorizations that are not fully reversed or cleared within 7 calendar days of the authorization date...or when the final authorization amount does not equal the clearing amount...or when the final authorization currency code does not match the clearing currency code.
Credit/Debit
Assessments
0.13% of card volume and $0.0195/transaction
International Processing Fee
0.55% for any card that settle in dollars that differ from the home country
International Service Fee
0.80% for any card you accept from outside the US
Network Authorization Fee
$0.025/transaction fee for each authorized transaction submitted for settlement.
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Credit/Debit
Assessments
0.15% of card volume
Card-Not-Present
Surcharge
0.30% of all Card-Not-Present volume
International Assessment
0.40% for any card you accept from outside the US.
Noncompliance Fee
0.75% when the sale does not settle within 7 days of authorization, or when calling for a voice authoirzation.