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 - 0.07% on volume, billed in arrears
- 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 - 0.07% on volume, billed in arrears
- 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