Understanding Network Fees and Reconciliation

Network fees are an essential part of digital payment processing, often hidden in the background but crucial to the cost and accuracy of transactions. Whether you're operating an e-commerce platform, a fintech product, or a marketplace, understanding how network fees work—and how to reconcile them accurately—is vital for financial control, transparency, and profitability. Inaccurate or missed network fee reconciliation can distort revenue recognition, inflate costs, and make audits more difficult.

What Are Network Fees in Payment Processing?

Network fees, also known as interchange fees or card network charges, are transaction costs imposed by card networks like Visa, Mastercard, RuPay, or American Express. Each time a card transaction occurs, these charges—typically comprising interchange, assessment, and processor markups—are applied by the card networks. While payment gateways may aggregate these charges and deduct them before settlement, they often remain invisible in daily accounting unless specifically broken out during reconciliation.

These fees are dynamic and vary based on factors such as card type (credit, debit, prepaid), issuer bank, transaction size, and geography. For high-volume businesses, even small percentage differences in network fees can significantly impact margins. Therefore, consistently tracking and reconciling these fees is essential to maintain financial accuracy and control.

Why Network Fee Reconciliation Is Crucial

Accurate reconciliation of network fees ensures that your internal financial systems align with what was actually charged by the payment processors. This process helps detect overcharges, prevents revenue leakage, and offers a clear breakdown of costs for each transaction. Without reconciliation, finance teams often operate with assumptions or approximations—leading to reporting discrepancies and inaccurate P&L accounting.

In addition, reconciling network fees is crucial for ensuring compliance and preparing for audits. Tax calculations, merchant payout reporting, and profitability analysis all depend on correctly accounting for fees. Failure to reconcile these accurately can also cause issues with sub-merchant settlements or partner revenue sharing agreements.

How Network Fees Impact Settlement Amounts

Most businesses notice the impact of network fees in the form of net settlements. After a customer pays ₹1,000 for an order, the actual amount settled to your bank may be ₹970 or less after all fees are deducted, it includes both the payment gateway charges and card network fees. If these deductions aren't reconciled line-by-line, it becomes difficult to match internal sales data with bank credits.

In marketplaces and PayFac models, this challenge multiplies. Businesses must not only account for their own platform fees and taxes but also accurately deduct and report network fees from sub-merchant settlements. This makes automated reconciliation tools increasingly important.

Challenges in Manual Network Fee Reconciliation

Manually reconciling network fees is time-consuming and error-prone. Fee components are often embedded in bulk settlement summaries without transparency into individual transactions. With multiple card types and fee slabs, it's difficult to validate whether the correct rate was applied. Businesses working with multiple payment gateways face additional complexity as each gateway may report fee structures differently and follow distinct settlement timelines.

The lack of standardized fee breakdowns and variable naming conventions in gateway reports adds further friction. This often leaves finance teams reconciling based on assumptions or generalized rates—leading to inaccuracies in gross vs. net revenue reporting.

Automated Network Fee Tracking and Reconciliation with Optimus

Platforms like Optimus Fintech bring transparency and control to network fee reconciliation. By integrating with your payment gateways, bank feeds, and order management systems, Optimus automatically fetches transaction data and maps it against expected fee structures. Businesses can view fee breakdowns by card type, gateway, or transaction, identify mismatches, and generate audit-ready reports—all from a unified dashboard.

Automated alerts notify teams when fee variances exceed thresholds, helping them take proactive action. With intelligent reconciliation rules and real-time insights, Optimus helps businesses reduce financial risk, save manual hours, and improve cost forecasting.

Best Practices for Managing Network Fee Reconciliation

To ensure clean reconciliation, businesses should:

Enable detailed fee breakdowns from their payment providers
Reconciliation happens daily or weekly depending upon transaction volumes
Apply smart matching rules to accurately align fee slab differences.
Track fee patterns across card networks and transaction categories.
Leverage automation to minimize manual errors in reconciliation.

Conclusion

Network fee reconciliation is no longer a back-office task—it’s a strategic necessity in modern digital commerce. By understanding and accurately reconciling network fees, businesses gain control over their payment costs, ensure financial accuracy, and improve profitability. With a solution like Optimus Fintech, payment reconciliation becomes seamless, intelligent, and scalable—allowing finance teams to focus on insights, not spreadsheets.

Card Type	Fee Name	Rate	Description
AMEX	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	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	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	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 Assessments	0.1400%	Applies to all Discover sale transactions.
DISCOVER	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 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	$0.0025	Applies to all Discover sale transactions.
DISCOVER	Discover Network Authorization Fee	$0.0190	Applies to all Discover purchase authorizations.
DISCOVER	Discover Account Verification Fee	$0.0200	Applies to all Discover authorization requests submitted for account verification through the Discover Account Verification Service.
DISCOVER	Discover Address Verification Fee	$0.0050	Applies to all address verification requests that return a full match, partial match or no match result.
DISCOVER	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	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	Discover Ticket Retrieval Fee	$1.0000	Applies to all Discover ticket retrieval requests.
MASTERCARD	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	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 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	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	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	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	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	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 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 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 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	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	Mastercard Global Freight Program Fee	0.5000%	Applies to all sale transactions where the Mastercard card product is Mastercard Enterprise Solutions (MES).
MASTERCARD	Mastercard Chargeback Transaction Value Fee	0.5500%	Applies to all Mastercard chargeback amounts sent and received.
MASTERCARD	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	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	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	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	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	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	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	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	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	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	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	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	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	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 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	Mastercard 3-D Secure 1.0 Transaction Fee	$0.0500	Applies to all Mastercard 3-D Secure 1.0 (3DS1) verification attempts.
MASTERCARD	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	$1.3500	Applies to each incoming dispute claim initiated by Mastercard or the card issuer.
MASTERCARD	Dispute Image Fee MC DMS	$0.2000	Applies to each dispute when supporting documents or images are electronically delivered to Mastercard.
MASTERCARD	Mastercard Pre-Arbitration Acceptance Fee	$15.0000	Applies to all incoming pre-arbitration disputes where a merchant has accepted responsibility.
MASTERCARD	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	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	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	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 U.S. Acquirer Service Fee (Assessments) Credit	0.1400%	Applies to all Visa credit sale transactions.
VISA	Visa U.S. Acquirer Service Fee (Assessments) Debit and Prepaid	0.1300%	Applies to all Visa debit and prepaid sale transactions.
VISA	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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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	$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	$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 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 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 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 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	$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 High Fallback Transaction Fee	$0.1000	Applies each fallback transaction occurring at merchant locations with a fallback rate of 10% or above.
VISA	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 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 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 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 Transmission Fee	$0.0018	Applies to all Visa transactions, including sales, returns, reversals, chargebacks, and reversed chargebacks.
VISA	Dispute Image Fee Visa DMS	$1.0000	Applies to each dispute when supporting documents or images are electronically delivered to Visa.
VISA	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	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	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	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	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	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	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	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	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	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	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	No Acceptance Interlink SMS for PIN Debit	$0.7500	Applies when you do not respond to a dispute claim within 31 calendar days.
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	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	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.”