Scheme Fees
Key scheme fees to have more control and visibility over your costs.
Transactional Scheme Fees
Charged per transaction and deducted directly from settlement. Examples include authorization fees, processing fees, and cross-border fees.
#transactional
Learn moreNon-Transactional Scheme Fees
They might be or might not be tied to individual transactions. These appear on monthly invoices with a billing delay (1–2 months). Examples include Visa FANF and Mastercard Merchant Location Fee.
#non-transactional
Learn moreVisa FANF (Fixed Acquirer Network Fee)
A monthly fee in the U.S. based on merchant locations, MCC, and sales volume. Ranges from $2 to $100+ per Taxpayer ID.
#visa
Learn moreMastercard Merchant Location Fee
A $1.25 monthly fee per active merchant location in the U.S., with exemptions for nonprofits and low-volume merchants.
#mastercard
Learn moreVisa System Integrity Fee
Includes Excessive Retry and Data Quality Fees. Calculated from transaction history and invoiced with a delay.
#visa
Learn moreMastercard TPE Excessive Authorizations Fee
Charged for excessive authorization attempts on a single card. Typically invoiced with a two-month delay.
#mastercard
Learn moreVisa & Mastercard 3D Secure Fees
Charged for 3D Secure authentication requests in the EU and GB, based on scheme monthly reports.
#3dsecure
Learn moreAcquirer Clearing Fee
Mastercard fee for processing and clearing transactions across its network.
#mastercard
Learn moreMastercard Authorization Optimizer Service Fee
Mastercard fee ($0.02) for declined card-not-present attempts, supporting AI tools for smarter retries.
#mastercard
Learn moreVisa Stop Payment Service Repeat Authorization Decline
Fee for declined authorizations with specific response codes (R0, R1, R3), reported to issuers.
#visa
Learn moreMastercard Token Validation and Lifecycle Services Fee – CPN Inter
Mastercard fee for token validation and lifecycle services in international card-not-present transactions.
#mastercard
Learn moreVisa Account Verification
Optional Visa transaction type to check account status before authorization.
#visa
Learn moreVisa Unmatched Clearing Fee
Non-compliance fee when a clearing transaction cannot be matched to an approved authorization.
#visa
Learn moreVisa Misuse of Authorization Fee
Fee for failing to settle or reverse authorizations in time. From Jan 2025, $0.15 per U.S. transaction.
#visa
Learn moreVisa System Integrity Fee – Never Approve
Fee when merchants retry “Never Approve” declines (invalid, blocked, or closed cards).
#visa
Learn moreMastercard Integrity Fee – Final Authorizations
Mastercard fee when final authorizations are not cleared or reversed in time, or when mismatched to settlement.
#mastercard
Learn moreMastercard Merchant Advice Code Fee
Charged when merchants retry insufficient funds transactions despite receiving a Merchant Advice Code. Fees vary by region.
#mastercard
Learn moreGlobal Wholesale Travel Transaction Fee
A Mastercard fee applied to wholesale travel transactions, often significant (1.57%–3.75%).
#mastercard
Learn moreMonitor Your Scheme Fees Effortlessly
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