In an effort to be as transparent as possible, we are providing the network fees charged directly by the card brands: VISA, MasterCard, Discover and American Express.

These are fixed fees and apply to ALL merchant processing companies. No merchant processor can give you a "lower rate" or "better deal" on these. They are also non-negotiable.

VISA Network Fees:

  • Assessment Fee - 0.14% on volume
  • APF (Acquirer Processing Fee) - $0.02 per transaction
  • Address Verification Fee (MOTO/card-not-present) - $0.001 per transaction
  • Integrity Fee (applies to non-PIN debit cards and some prepaid cards) - $0.10 per transaction
  • VS Commercial Solutions (applies to all Visa Business Solutions products) - 0.01% on volume
  • Infrastructure Fee - 0.01% on volume
  • FANF Fee (RETAIL/card-present) - $2.00 per month, billed in arrears
  • FANF Fee (MOTO/card-not-present) - depends on processing volume, billed in arrears

MasterCard Network Fees:

  • Assessment Fee - 0.15% on volume
  • NABU (Network Access Brand Usage) Fee - $0.0295 per transaction
  • Digital Enablement Fee (MOTO/card-not-present transactions under $1,000) - 0.02% on volume
  • Digital Enablement Fee (MOTO/card-not-present transactions $1,000+) - $0.40 per transaction
  • MOTO Fee (MOTO/card-not-present) - 0.015% on volume
  • Infrastructure Fee - 0.01% on volume
  • Location Fee - $2.50 per month
  • Cyber Security Fee - $3.00 per month

Discover Network Fees:

  • Assessment Fee - 0.14% on volume
  • DUF (Data Usage Fee) - $0.02 per transaction
  • Address Verification Fee (MOTO/card-not-present) - $0.005 per transaction
  • Account Verification Fee - $0.02 per transaction
  • Digital Investment Fee - 0.01% on volume

American Express Network Fees:

  • Assessment Fee - 0.15% on volume
  • Non-Swiped CNP fee (applies to card-not-present transactions) - 0.30% on volume, billed in arrears

Misc. Network Fees:

  • Zero Floor Limit Fee - $0.20 per transaction, billed in arrears
  • Monthly Clearing Fee - 0.20% on volume, billed in arrears