Network Fees
Card Type
Fee Name Short
Fee Name Long
Rate
Description
AMEX
AXP NETWORK ASSESSMENT FEE
American Express Network Assessment Fee
0.1650%
Applies to all American Express OptBlue sale transactions. This fee does not apply to American Express TPSP sale transactions.
AMEX
AXP PROGRAM CONTINUATION FEE
American Express Program Continuation Fee
0.0300%
Applies to American Express OptBlue sales volume processed by merchants in the B2B/ Wholesale, Emerging Markets, Other, Restaurants, Retail, Services and Professional Services, or Travel and Entertainment price programs who have processed more than $3 million in a rolling 12-month period.
AMEX
AMEX NON-COMPLIANCE FEE
American Express Technical Specification Non-Compliance Fee
0.7500%
Determined solely by American Express and is applicable, but not limited to, an electronic authorization that is not obtained at the time of sale or when using a non-compliant point-of-sale device.
AMEX
AXP ACQUIRER TRANS FEE
American Express Acquirer Transaction Fee
$0.0200
Applies to all American Express OptBlue consumer credit, commercial credit and prepaid sale transactions submitted for all industries. This fee does not apply to American Express TPSP sale transactions.
DISCOVER
DISCOVER DUES/ASSESSMENT FEE
Discover Assessments
0.1400%
Applies to all Discover sale transactions.
DISCOVER
DIGITAL INVESTMENT FEE
Discover Digital Investment Fee
0.0100%
Applies to Discover card-not-present sale transactions processed as manual key entered, electronic commerce, mobile commerce or voice response unit (VRU).
DISCOVER
DISCOVER INTL SERVICE FEE
Discover International Service Fee
0.8000%
Applies to the dollar amount of card sales (excluding cash over) where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
DISCOVER
DISCOVER DATA USAGE FEE
Discover Data Usage Fee
$0.0025
Applies to all Discover sale transactions.
DISCOVER
NETWORK AUTHORIZATION FEE
Discover Network Authorization Fee
$0.0190
Applies to all Discover purchase authorizations.
DISCOVER
ACCNT VERIFICATION SERVICE FEE
Discover Account Verification Fee
$0.0200
Applies to all Discover authorization requests submitted for account verification through the Discover Account Verification Service.
DISCOVER
ADDRS VERIFICATION SERVICE FEE
Discover Address Verification Fee
$0.0050
Applies to all address verification requests that return a full match, partial match or no match result.
DISCOVER
BASE SUB LEVEL PGRM CARD SALES
Discover Program Integrity Fee – Base Submission Level
$0.0500
Applies to all consumer card transactions directly qualified for or downgraded to the U.S. Base Submission Level interchange program.
DISCOVER
COMM BASE SUB LEVEL PGRM CRD SLS
Discover Program Integrity Fee – Commercial Base Submission Level
$0.0500
Applies to all commercial card transactions directly qualified for or downgraded to the U.S. Commercial Base Submission Level interchange programs.
DISCOVER
NW TICKET RTR REQUEST DISC DMS
Discover Ticket Retrieval Fee
$1.0000
Applies to all Discover ticket retrieval requests.
MASTERCARD
NW DISPUTE EXCSSIVE PGE MC DMS
Mastercard Chargeback Excessive Page Fee
$1.0000
Applies to chargeback response documentation that contain 20 or more pages. The fee is a per page fee that will apply to all pages submitted beyond the first 19 pages. The fee will not apply to response documentation that contain 19 pages or less.
MASTERCARD
MC TECHNICAL VIOLATION FEE
Mastercard Technical Violation Fee
$100.0000
Applies to arbitration and compliance items processed on the MasterCom Case Filing Application where it was found that the original transaction violated a Mastercard compliance rule.
MASTERCARD
MASTERCARD ASSESSMENT FEE
Mastercard Acquirer Brand Volume (Assessments)
0.1375%
Applies to all Mastercard sale transactions. This fee is comprised of the Mastercard Acquirer Brand Volume Fee of 0.13% and the Mastercard Annual Acquirer License Fee of 0.0075%.
MASTERCARD
MC ASSESSMNT TRAN AMT >=$1K
Mastercard Acquirer Brand Volume (Assessments) – Consumer Credit and Commercial transactions greater than or equal to 1,000 USD only
0.0100%
Applies to all Mastercard Consumer Credit and Commercial sales transactions greater than or equal to 1,000 USD.
MASTERCARD
MC-AUTH DIGITAL ENABLMENT FEE
Mastercard Auth Digital Enablement Fee
0.0200%
Applies to all Mastercard card-not-present authorization requests. Authorization requests that return a decline response code 51 (Financial Declines) are excluded. Applies to authorization amounts greater than 100 USD and less than 1,000 USD.
MASTERCARD
US CROSS BORDER FEE
Mastercard U.S. Cross Border USD
0.6000%
Applies to any transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. and the transaction was settled in USD.
MASTERCARD
US CROSS BORDER FEE, NON USD
Mastercard U.S. Cross Border non-USD
1.0000%
Applies to any transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. and the transaction was not settled in USD.
MASTERCARD
MC GLOBAL ACQ FEE
Mastercard Global Acquirer Fee (GAF)
0.8500%
Applies to any Mastercard sale transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
MASTERCARD
MC INSTLMNT PROG FEE PUR-INSA
MC Installment Program Fee Purchase – INSA
1.3000%
Applies to all sale transactions where the Mastercard card product is Mastercard installment payments (ETA, ETB, ETC, ETD, ETE, ETF, ETG, SPP, SPS). INSA eligible merchants include merchant categories that are not covered by the Mastercard Installment Program Fee Purchase – INSB and the Mastercard Installment Program Fee Purchase – INSC.
MASTERCARD
MC INSTLMNT PROG FEE PUR-INSB
MC Installment Program Fee Purchase – INSB
0.1000%
Applies to all sale transactions where the Mastercard card product is Mastercard installment payments (ETA, ETB, ETC, ETD, ETE, ETF, ETG, SPP, SPS). INSB eligible merchants include Transportation – Suburban and Local Commuter Passenger, including Ferries (MCC 4111), Taxicabs & Limousines (MCC 4121), Cable & Telecommunication (MCC 4814, 4899), Wholesale Clubs (MCC 5300), Discount Stores (MCC 5310), Variety Stores (MCC 5331), Supermarkets (MCC 5411), Misc. Food Stores (MCC 5499), Service Stations (MCC 5541), Fuel Dispensers, Automated (MCC 5542), Electric Vehicle Charging (MCC 5552), Bars (MCC 5813), Fast Food Restaurants (MCC 5814), Drug Stores, Pharmacies (MCC 5912), Insurance – Direct Marketing (MCC 5960), Insurance Sales, Underwriting and Premiums (MCC 6300), Real Estate Agents and Managers – Rentals (MCC 6513), Parking Lots (MCC 7523), Government-Owned Lotteries (U.S. Region Only) (MCC 7800), Internet Gambling (U.S. Region Only) (MCC 7801), Government Licensed Horse/Dog Racing (U.S. Region Only) (MCC 7802), Motion Picture and Video Tape Production and Distribution (MCC 7829), Video Rental (MCC 7841), Video Game Arcades/ Establishments (MCC 7994), Gambling Transactions (MCC 7995), Courts (MCC 9211), Fines (MCC 9222), Bail Bonds (MCC 9223), Taxes (MCC 9311), Government not elsewhere classified (MCC 9399), and Postal Services – Government only (MCC 9402).
MASTERCARD
MC INSTLMNT PROG FEE REF-INSA
MC Installment Program Fee Refund – INSA
-1.1500%
Applies to all refund transactions where the Mastercard card product is Mastercard installment payments (ETA, ETB, ETC, ETD, ETE, ETF, ETG, SPP, SPS). INSA eligible merchants include merchant categories that are not covered by the Mastercard Installment Program Fee Purchase – INSB and the Mastercard Installment Program Fee Purchase – INSC.
MASTERCARD
MC GLOBAL WHOLESALE TRAVEL B2B FEE
Mastercard Global Wholesale Travel Transaction Program B2B Acquirer Fee
1.5700%
Applies to all sale transactions where the Mastercard card product is Mastercard B2B (MBS). Eligible merchants include Lodging – Hotels, Motels and Resorts (MCC 3501-4010, 7011), Passenger Railways (MCC 4112), Car Rentals (MCC 3351-3500, 7512, 7513, 7519), Airlines (MCC 3000-3350, 4511), Steamship and Cruise Lines (MCC 4411), Bus Lines (MCC 4131), Airports (MCC 4582), Travel Agencies and Tour Operators (MCC 4722), Direct Marketing – Travel Related Arrangement Services (MCC 5962), Real Estate Agents and Managers – Rentals (MCC 6513), Sporting and Recreational Camps (MCC 7032), Trailer Parks and Campgrounds (MCC 7033), Timeshares (MCC 7012), Health and Beauty Spas (MCC 7298), Tourist Attractions and Exhibits (MCC 7991), Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses (MCC 7997), and Recreational Services (Not Elsewhere Classified) (MCC 7999). Transactions assessed this fee will not be assessed the following fees: Mastercard U.S. Cross Border USD, Mastercard U.S. Cross Border non-USD, and Mastercard Network Access Brand Usage.
MASTERCARD
MC FREIGHT PRGM FEE
Mastercard Global Freight Program Fee
0.5000%
Applies to all sale transactions where the Mastercard card product is Mastercard Enterprise Solutions (MES).
MASTERCARD
MC DOCU TRANSACTION VALUE FEE
Mastercard Chargeback Transaction Value Fee
0.5500%
Applies to all Mastercard chargeback amounts sent and received.
MASTERCARD
MC PROC INT FINAL AUTH MC PROC INT FINAL AUTH MIN
Mastercard Transaction Processing Excellence Fee – Final Authorization
0.2500%
$0.04 minimum. Applies to 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.
MASTERCARD
MC-AUTH DIGITAL ENABLMENT MIN
Mastercard Auth Digital Enablement Minimum
$0.0200
Applies to all Mastercard card-not-present authorization requests. Authorization requests that return a decline response code 51 (Financial Declines) are excluded. Applies to authorization amounts less than 100 USD. (Minimum)
MASTERCARD
MC-AUTH DIGITAL ENABLMENT MAX
Mastercard Auth Digital Enablement Maximum
$0.2000
Applies to all Mastercard card-not-present authorization requests. Authorization requests that return a decline response code 51 (Financial Declines) are excluded. Applies to authorization amounts greater than 1,000 USD. (Maximum)
MASTERCARD
MC NETWORK ACCESS AUTH FEE
Mastercard Network Access Brand Usage (NABU) – Authorization
$0.0195
Applies to each authorization record where the merchant and card issuer or cardholder are located within the U.S.
MASTERCARD
MC NTWRK ACCESS SETTLEMENT FEE
Mastercard Network Access Brand Usage (NABU) – Settlement
$0.0195
Applies to each collection-only and return/credit transaction where the merchant and card issuer or cardholder are located within the U.S.
MASTERCARD
MC ACCT STATUS INQ SVC INTRARE
Mastercard Account Status Inquiry Service Fee – Intraregional
$0.0250
Applies to all card-present account status inquiry service requests (including AVS, CVC2 or both) where the merchant and the card issuer or cardholder are located within the U.S.
MASTERCARD
MC ACCT STATUS INQ SVC INTERRE
Mastercard Account Status Inquiry Service Fee – Interregional
$0.0300
Applies to all card-present account status inquiry service requests (including AVS, CVC2 or both) where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
MASTERCARD
MC PROC INT PRE AUTH
Mastercard Transaction Processing Excellence Fee – Pre Authorization
$0.0450
Applies to pre-authorizations that are not fully reversed or cleared within 30 calendar days of the authorization date.
MASTERCARD
MC PROC INT UNDEF AUTH
Mastercard Transaction Processing Excellence Fee – Undefined Authorization
$0.0450
Applies to undefined authorizations that are not fully reversed or cleared within 7 calendar days of the authorization date.
MASTERCARD
MC TPE EXCESSIVE AUTH US
Mastercard Transaction Processing Excellence Fee – Excessive Authorizations
$0.1500
Applies to authorization attempts after 10 previous issuer-declined attempts on the same account number within a 24-hour period.
MASTERCARD
MC TPE NOMINAL AUTH US
Mastercard Transaction Processing Excellence Fee – Nominal Authorizations
$0.0450
Applies to approved nominal amount authorization with a subsequent reversal for transactions under 1 full unit of currency or the equivalent of USD 1. This will apply to card-not-present transactions only.
MASTERCARD
MC TPE ACQ MERCH ADVICE CODE
Mastercard Transaction Processing Excellence Fee – Merchant Advice Codes
$0.0300
Applies to any Card-Not-Present (CNP) authorization which is ultimately declined with a merchant advice code (MAC) value of 03 (closed account or fraudulent) or 21 (cardholder cancelled agreement), where in the past 30 days a transaction on the same card, at the same merchant, and with the same transaction amount, was declined with MAC code value of 03 or 21.
MASTERCARD
MC PIF DETAIL REPORT
Mastercard Transaction Processing Excellence Fee – Detail Reporting
$0.0200
Applies to any authorization that generates a transaction processing excellence fee for pre-authorizations, final authorizations, undefined authorizations, excessive authorizations, nominal authorizations, or merchant advice code.
MASTERCARD
MC CREDENTIAL CONTINUITY FEE
Mastercard Credential Continuity Fee
$0.0300
Applies to each recurring payment transaction made with an outdated credential at least 10 calendar days after an issuer reported an account update for the credential to the Automatic Billing Updater (ABU) issuer account change database.
MASTERCARD
MC-DECLINE REASON CODE SVC FEE
MC Decline Reason Code Service Fee
$0.0200
Applies to any Card-Not-Present (CNP) authorization which is ultimately declined with a decline response code value of 79 (Lifecycle), 82 (Policy), or 83 (Security) and a merchant advice code (MAC) value of 01 (Updated/additional information needed) or 03 (Closed account or fraudulent).
MASTERCARD
SECURECODE FOR MC TRANS
Mastercard 3-D Secure 1.0 Transaction Fee
$0.0500
Applies to all Mastercard 3-D Secure 1.0 (3DS1) verification attempts.
MASTERCARD
MC MERCH MONTHLY LOCATION
Mastercard Merchant Location Fee
$1.2500
Applies to each merchant location that accepts Mastercard card transactions. The fee does not apply to merchant locations with less than $200.00 in Mastercard gross monthly volume, Charitable and Social Service Organizations (MCC 8398), or Religious Organizations (MCC 8661).
MASTERCARD
DISPUTE CASE FEE MC DMS
Dispute Case Fee MC DMS
$1.3500
Applies to each incoming dispute claim initiated by Mastercard or the card issuer.
MASTERCARD
DISPUTE IMAGE FEE MC DMS
Dispute Image Fee MC DMS
$0.2000
Applies to each dispute when supporting documents or images are electronically delivered to Mastercard.
MASTERCARD
NW MC PRE ARBITRATION ACPT FEE
Mastercard Pre-Arbitration Acceptance Fee
$15.0000
Applies to all incoming pre-arbitration disputes where a merchant has accepted responsibility.
MASTERCARD
NW CASE RULING FEE MC DMS
Mastercard Dispute Case Ruling Fee
$420.0000
Applies to any filed arbitration case or filed compliance case where Mastercard has ruled in favor of the issuing bank. The fee is comprised of the Mastercard Filing Fee ($150.00) and the Mastercard Administrative Fee ($250.00) and the Mastercard Arbitration, Compliance or Pre-Compliance fee ($20.00).
MASTERCARD
NW CASE RULING FEE MAESTRO SMS
Maestro Dispute Case Ruling Fee
$420.0000
Applies to any filed arbitration case or filed compliance case where Maestro has ruled in favor of the issuing bank. The fee is comprised of the Maestro Filing Fee ($150.00) and the Maestro Administrative Fee ($250.00) and the Mastercard Arbitration, Compliance or Pre-Compliance fee ($20.00).
MASTERCARD
NW CASE FILING WD MC DMS
Mastercard Case Filing Withdrawal Fee
$320.0000
Applies to any arbitration and compliance case withdrawal and case acceptance before Mastercard has issued a ruling. The fee is comprised of the Mastercard Filing Fee ($150.00), the Mastercard Case Withdrawal and Acceptance Fee ($150.00) and the Mastercard Arbitration, Compliance or Pre-Compliance fee ($20.00).
MASTERCARD
NW CASE FILING WD MAESTRO SMS
Maestro Case Filing Withdrawal Fee
$320.0000
Applies to any arbitration and compliance case withdrawal and case acceptance before Maestro has issued a ruling. The fee is comprised of the Maestro Filing Fee ($150.00), the Maestro Case Withdrawal and Acceptance Fee ($150.00) and the Maestro Arbitration, Compliance or Pre-Compliance fee ($20.00).
VISA
VISA ASSESSMENT FEE CREDIT
Visa U.S. Acquirer Service Fee (Assessments) Credit
0.1400%
Applies to all Visa credit sale transactions.
VISA
VISA ASSESSMENT FEE DB
Visa U.S. Acquirer Service Fee (Assessments) Debit and Prepaid
0.1300%
Applies to all Visa debit and prepaid sale transactions.
VISA
VISA INTL SERVICE FEE – BASE
Visa International Service Fee – Base
1.0000%
Applies to any transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. and the transaction was settled in USD.
VISA
VISA INTL SERVICE FEE – ENH
Visa International Service Fee – Enhanced
1.4000%
Applies to any transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. the transaction was not settled in USD.
VISA
VISA INTL ACQ FEE
Visa International Acquirer Fee (IAF)
0.4500%
Applies to any Visa sale transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
VISA
VISA INTL ACQ FEE HIGH RISK
Visa International Acquirer Fee (IAF) – High Risk MCCs
0.4500%
Applies to any Visa sale transaction where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. This fee will only apply to merchants classified as Direct Marketing – Travel Related Arrangement Services (MCC 5962), Direct Marketing – Outbound Telemarketing Merchants (MCC 5966) and Direct Marketing – Inbound Telemarketing Merchants (MCC 5967).
VISA
VISA ACQ B2B VIRTUAL SVC FEE DOM
Visa Acquirer B2B Virtual Payments Service Fee – Domestic
0.6000%
Applies to all Visa B2B Virtual Payment program sale transactions where the merchant and cardholder s located within the U.S.
VISA
VISA ACQ B2B VIRTUAL SVC FEE INTL
Visa Acquirer B2B Virtual Payments Service Fee – International
1.5500%
Applies to all Visa B2B Virtual Payment program sale transactions where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
VISA
VISA NTWK ACQ PROC FEE US CR
Visa Authorization Processing Fee (APF) Variable Credit – U.S.
$0.0195
Applies to all Visa credit authorizations or authorization reversals where the merchant and the card issuer or cardholder are located within the U.S. This fee will not apply to Zero Dollar Verification messages.
VISA
VISA NTWK ACQ PROC FEE INTL CR
Visa Authorization Processing Fee (APF) Variable Credit – International
$0.0395
Applies to all Visa credit authorizations or authorization reversals where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. This fee will not apply to Zero Dollar Verification messages.
VISA
VISA NTWK ACQ RPOC FEE US DB/PP
Visa Authorization Processing Fee (APF) Variable Debit – U.S.
$0.0155
Applies to all Visa debit and prepaid authorizations or authorization reversals where the merchant and the card issuer or cardholder are located within the U.S. This fee will not apply to Zero Dollar Verification messages.
VISA
VISA NTWK ACQ PROC FEE INTL D/P
Visa Authorization Processing Fee (APF) Variable Debit – International
$0.0355
Applies to all Visa debit and prepaid authorizations or authorization reversals where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. This fee will not apply to Zero Dollar Verification messages.
VISA
VISA BASE CR VOUCHER FEE CR
Visa Credit Voucher Data Processing Fee – Credit – U.S.
$0.0195
Applies to all Visa credit return transactions where the merchant and the card issuer or cardholder are located within the U.S.
VISA
VISA BASE II CR VCHER FEE INTL CR
Visa Credit Voucher Data Processing Fee – Credit – International
$0.0395
Applies to all Visa credit return transactions where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
VISA
VISA BASE CR VOUCHER FEE DB/PP
Visa Credit Voucher Data Processing Fee – Debit/Prepaid – U.S.
$0.0155
Applies to all Visa debit and prepaid return transactions where the merchant and card issuer or cardholder are located within the U.S.
VISA
VISA BASE II CR VCHER FEE INTL D/P
Visa Credit Voucher Data Processing Fee – Debit/Prepaid – International
$0.0355
Applies to all Visa debit and prepaid return transactions where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
VISA
VISA ZERO ACCT VER CR FEE
Visa Zero Dollar Verification – U.S. Credit
$0.0350
Applies to approved and declined Visa credit card Zero Dollar Verification messages which include the verification of the card account number, address verification (through the Address Verification Service), Card Verification Value 2 (CVV2), Account Name information, and Single Message System (SMS) acquired Account Verification authorizations.
VISA
VISA ZERO ACCT VER DB FEE
Visa Zero Dollar Verification – U.S. Debit
$0.0300
Applies to approved and declined Visa debit and prepaid card Zero Dollar Verification messages which include the verification of the card account number, address verification (through the Address Verification Service), Card Verification Value 2 (CVV2), Account Name information, and Single Message System (SMS) acquired Account Verification authorizations.
VISA
VISA ZERO ACCT VER INTL FEE
Visa Zero Dollar Verification – International
$0.0700
Applies to all approved and declined Visa Zero Dollar Verification messages which include the verification of the card account number, address verification (through the Address Verification Service), Card Verification Value 2 (CVV2), Account Name information, and Single Message System (SMS) acquired Account Verification authorizations where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
VISA
VISA ADDRESS VER SVC FEE
Visa Address Verification Service (AVS)
$0.0010
Applies to all address verification requests that return a full match, partial match or no match result. The AVS fee will not apply when the address is not attempted for verification, an error occurred preventing the result from being returned, or when the transaction is an account verification message, an account funding transaction (AFT), or an original credit transaction (OCT).
VISA
VISA MISUSE OF AUTH FEE
Visa Misuse of Authorization
$0.0900
Applies to approved or partially approved electronic estimated authorizations that cannot be matched to settled purchase transactions or purchase return transactions within 10 calendar days, or electronically reversed within 7 calendar days, for the following merchant types: Local/Suburban Commuter Passenger Transportation, including Ferries (MCC 4111), Passenger Railways (MCC 4112), Bus Lines (MCC 4131), Boat Rentals and Leasing (MCC 4457), Trailer Parks and Campgrounds (MCC 7033), Equipment-Tool, Furniture and Appliance Rental and Leasing (MCC 7394), Motor Home and Recreational Vehicle Rentals (MCC 7519), and Recreational Services (Not Elsewhere Classified) (MCC 7999). Visa Zero Dollar Verification requests do not apply.
VISA
VISA ZERO FLOOR LIMIT FEE
Visa Zero Floor Limit
$0.2000
Applies to Visa settled purchase transactions and purchase return transactions that cannot be matched to previously approved or partially-approved electronic authorizations.
VISA
VISA – TRANSACTION INTEGRITY FEE
Visa Transaction Integrity Fee
$0.1000
Applies to Visa card transactions that either do not request Custom Payment Service (CPS) or fail CPS qualification where the merchant and the card issuer or cardholder are located within the U.S.
VISA
VISA DECLINE TRAN RESUB FEE
Visa Decline Transaction Resubmission Fee – U.S.
$0.1000
"Applies to the 16th and subsequent reattempted transactions after receiving a Category 2 – 4 decline response within a 30-day period. Applies to transactions where the merchant and the card issuer or cardholder are located within the U.S.
Category 2 Decline Response Codes: 03 (Invalid merchant), 19 (Re-enter transaction), 51 (Insufficient funds), 59 (Suspected fraud), 61 (Exceeds withdrawal amount limits), 62 (Restricted card), 65 (Exceeds withdrawal frequency), 75 (Allowable number of PIN-entry tries exceeded), 86 (Cannot verify PIN), 91 (Issuer or switch is inoperative), 93 (Transaction cannot be completed, violation of law), 96 (System malfunction), N3 (Cash service not available), N4 (Cash request exceeds issuer limit).
Category 3 Decline Response Codes: 14 (Invalid account number), 54 (Expired card), 55 (Incorrect PIN), 82 (Negative online CAM, dCVV, iCVV, or CVV results), N7 (Decline for CVV2 failure).
Category 4 Decline Response Codes: Any decline response code not listed in Category 1 – 3. "
VISA
VISA DECLINE TRAN RESUB FEE XBOR
Visa Decline Transaction Resubmission Fee – Cross Border
$0.1500
Applies to the 16th and subsequent reattempted transactions after receiving a Category 2 – 4 decline response within a 30-day period. Applies to transactions where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S.
VISA
VISA NEVER APPROVE REATTEMPT FEE
Visa Issuer Will Never Approve – U.S.
$0.1000
Applies to any reattempted transaction after receiving a Category 1 decline response. Applies to transactions where the merchant and the card issuer or cardholder are located within the U.S. Category 1 Decline Response Codes: 04 (Pickup card), 07 (Pickup card, special conditions), 12 (Invalid transaction), 14 (Invalid account number), 15 (No such issuer), 41 (Pickup card, lost card), 43 (Pickup card, stolen card), 46 (Closed account), 57 (Transaction not permitted to cardholder), R0 (Stop payment order), R1 (Revocation of authorization order), R3 (Revocation of all authorizations).
VISA
VISA NEVER APPROVE REATT XBORFEE
Visa Issuer Will Never Approve – Cross Border
$0.1500
Applies to any reattempted transaction after receiving a Category 1 decline response. Applies to transactions where the merchant is located within the U.S. and the card issuer or cardholder is located outside of the U.S. Category 1 Decline Response Codes: 04 (Pickup card), 07 (Pickup card, special conditions), 12 (Invalid transaction), 14 (Invalid account number), 15 (No such issuer), 41 (Pickup card, lost card), 43 (Pickup card, stolen card), 46 (Closed account), 57 (Transaction not permitted to cardholder), R0 (Stop payment order), R1 (Revocation of authorization order), R3 (Revocation of all authorizations).
VISA
VISA STOP PAYMENT SERVICE FEE
Visa Stop Payment Service Fee
$1.0000
Applies to declined authorization requests for recurring transactions following three previous authorization attempt declines for the same Visa Stop Payment Service (VSPS) stop instruction. These declined response codes will be identified with one of the following codes (from the list of Category 1: Issuer will never approve): R0 (Stop payment order), R1 (Revocation of authorization order), R3 (Revocation of all authorizations).
VISA
VISA EXCESSIVE CHIP FALLBACK FEE
Visa High Fallback Transaction Fee
$0.1000
Applies each fallback transaction occurring at merchant locations with a fallback rate of 10% or above.
VISA
VISA INTEGRITY FEE DETAIL REPORT
Visa System Integrity Detail Reporting Fee
$0.0020
Applies to any authorization or transaction that generates one of the following Visa System Integrity Fees: Visa Decline Transaction Resubmission Fee – U.S., Visa Decline Transaction Resubmission Fee – Cross Border, Visa Issuer Will Never Approve – U.S., Visa Issuer Will Never Approve – Cross Border, Visa High Fallback Transaction Fee, or Visa Stop Payment Service Fee.
VISA
VISA NETWORK FEE CP
Visa Fixed Acquirer Network Fee (FANF)
Varies
Card-present: A monthly fee that will be assessed at the federal taxpayer identification number (TIN) level and is based on merchant’s number of locations, total monthly Gross Sales Volume (originating from Visa Credit, Visa Non-PIN Debit, and Visa Prepaid cards), Merchant Category Code (MCC), and whether the customer is present. This fee will be billed in the month after it is incurred. Please review the appendix at the end of this document for detailed Visa FANF information.
VISA
VISA NETWORK FEE CNP
Visa Fixed Acquirer Network Fee (FANF)
Varies
Card-not-present/Merchant Aggregators/Fast Food Restaurants: A monthly fee that will be assessed at the federal taxpayer identification number (TIN) level and is based on merchant’s number of locations, total monthly Gross Sales Volume (originating from Visa Credit, Visa Non-PIN Debit, and Visa Prepaid cards), Merchant Category Code (MCC), and whether the customer is present. This fee will be billed in the month after it is incurred. Please review the appendix at the end of this document for detailed Visa FANF information.
VISA
VISA PARTIAL AUTH NP TRANS FEE
Visa Partial Authorization Non-Participation Fee
$0.0100
Applies to Visa and Interlink Automated Fuel Dispenser (MCC 5542) transactions where the Partial Authorization Indicator = 0 (partial authorization not supported) or is missing.
VISA
VISA BASE II SYSTEM FILE FEE
Visa Base II System File Transmission Fee
$0.0018
Applies to all Visa transactions, including sales, returns, reversals, chargebacks, and reversed chargebacks.
VISA
DISPUTE IMAGE FEE VISA DMS
Dispute Image Fee Visa DMS
$1.0000
Applies to each dispute when supporting documents or images are electronically delivered to Visa.
VISA
NW MERCH RSP DAY 1-20 VISA DMS
Merchant Response Fee Day 1-20 Visa DMS for Credit/Signature Debit
$1.0500
Applies when you question or challenge a dispute claim within 20 calendar days of the initial dispute date (including initial dispute response, pre-arbitration initiation, or pre-arbitration response).
VISA
NW MERCH RSP DAY 1-20 VISA SMS
Merchant Response Fee Day 1-20 Visa SMS for PIN Debit
$1.0500
Applies when you question or challenge a dispute claim within 20 calendar days of the initial dispute date (including initial dispute response, pre-arbitration initiation, or pre-arbitration response).
VISA
NW MERCH RSP DAY 21-25 VISA DMS
Merchant Response Fee Day 21-25 Visa DMS for Credit/Signature Debit
$1.3500
Applies when you question or challenge a dispute claim within 21 – 25 calendar days of the initial dispute date (including initial dispute response, pre-arbitration initiation, or pre-arbitration response).
VISA
NW MERCH RSP DAY 21-25 VISA SMS
Merchant Response Fee Day 21-25 Visa SMS for PIN Debit
$1.3500
Applies when you question or challenge a dispute claim within 21 – 25 calendar days of the initial dispute date (including initial dispute response, pre-arbitration initiation, or pre-arbitration response).
VISA
NW MERCH RSP DAY 26-30 VISA DMS
Merchant Response Fee Day 26-30 Visa DMS for Credit/Signature Debit
$1.6500
Applies when you question or challenge a dispute claim within 26 – 30 calendar days of the initial dispute date (including initial dispute response, pre-arbitration initiation, or pre-arbitration response).
VISA
NW MERCH RSP DAY 26-30 VISA SMS
Merchant Response Fee Day 26-30 Visa SMS for PIN Debit
$1.6500
Applies when you question or challenge a dispute claim within 26 – 30 calendar days of the initial dispute date (including initial dispute response, pre-arbitration initiation, or pre-arbitration response).
VISA
NW LATE ACPT DAY 21-25 VISA DMS
Visa Late Accept 21-25 Days DMS for Credit/Signature Debit
$0.5000
Applies when you accept a dispute claim as is without a response within 21 – 25 calendar days of the initial dispute date.
VISA
NW LATE ACPT DAY 21-25 VISA SMS
Late Accept Day 21-25 Interlink SMS for PIN Debit
$0.5000
Applies when you accept a dispute claim as is without a response within 21 – 25 calendar days of the initial dispute date.
VISA
NW LATE ACPT DAY 26-30 VISA DMS
Visa Late Accept 26-30 Days DMS for Credit/Signature Debit
$0.7500
Applies when you accept a dispute claim as is without a response within 26 – 30 calendar days of the initial dispute date.
VISA
NW LATE ACPT DAY 26-30 VISA SMS
Late Accept Day 26-30 Interlink SMS for PIN Debit
$0.7500
Applies when you accept a dispute claim as is without a response within 26 – 30 calendar days of the initial dispute date.
VISA
NW NO ACCEPTANCE VISA DMS
Visa No Acceptance DMS for Credit/ Signature Debit
$0.7500
Applies when you do not respond to a dispute claim within 31 calendar days.
VISA
NW NO ACCEPTANCE INTERLINK SMS
No Acceptance Interlink SMS for PIN Debit
$0.7500
Applies when you do not respond to a dispute claim within 31 calendar days.
VISA
LOST FILING DMS VISA
Visa Arbitration Fees DMS for Credit/Signature Debit
$500.0000
Applies to all arbitration cases where Visa has determined that the merchant is financially liable for the dispute.
VISA
LOST FILING SMS
Visa Arbitration Fees SMS for PIN Debit
$500.0000
Applies to all arbitration cases where Visa has determined that the merchant is financially liable for the dispute.
VISA
VISA US CBPS PARTICIPATION FEE
US Consumer Bill Payment Service (CBPS) Participation Fee
$0.2000
Applies to all Visa Consumer Bill Payment Service (CBPS) transactions. The Visa CBPS program requires registration with Visa. All CBPS eligible transactions must include a Business Application Indicator (BAI) value of “CB.”