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