Statement Fees Defined

MasterCard Fees

MasterCard Assessment

Charged by MasterCard on all settled sales transactions

 

Network Access and Brand Usage (NABU)

Charged by MasterCard on domestic authorizations and refunds when the card used by the customer is issued within the U.S. (all U.S. domestic issued cards); the NABU does not apply to reversals, chargebacks, or manual cash advances

 

MC AVS Auth Access (Card Present)

Charged by MasterCard when you use the address verification service to validate a cardholder’s address where the card is present at the time of purchase and swiped through the terminal

 

MC AVS Auth Access (Card Not Present)

Charged by MasterCard when you use the address verification service to validate a cardholder’s address where the card is not present at the time of purchase or the card number is keyed into the terminal

 

MC Account Status

Charged by MasterCard when you initiate a request to validate the cardholder account status, address verification (AVS), card validation code 2 (CVC 2), or any combination thereof

 

MC Processing Integrity

Charged by MasterCard when an authorization is not utilized for a transaction in a timely manner or is not reversed based on MasterCard standards; if an authorization will not be used for a transaction, card present merchants must complete an authorization reversal within 24 hours; card not present merchants must complete a reversal within 72 hours

 

MC Cross-Border Assessment

Charged by MasterCard on any transaction on a MasterCard branded credit or debit card in which the cardholder country code differs from the country code of the merchant

 

Visa Fees

Visa Assessment

Charged by Visa on all settled sales transactions

 

Visa Network Acquirer Processing Fee (NAPF)

Charged by Visa on all U.S. acquired authorizations on all Visa branded cards; the fee applies to all authorizations even if it is not used for a subsequent transaction

 

Visa Misuse of Authorization

Charged by Visa when an authorization is not utilized in a timely manner or is not reversed based on Visa standards; if an authorization will not be used for a transaction, card present merchants must complete an authorization reversal within 24 hours; card not present merchants must complete a reversal within 72 hours

 

Visa Zero Floor Limit

Charged by Visa when a clearing record cannot be matched to an approved or partially approved authorization

 

Visa Transaction Integrity

Charged by Visa on all U.S. domestic Visa signature debit card transactions or Visa prepaid card transactions that do not meet the qualification criteria of the Custom Payment Service program

 

Visa Zero $ Account Verification

Charged by Visa when you initiate a request to validate the cardholder’s account status

 

Visa Partial Auth Non-Participation

Charged by Visa to Petroleum Automated Fuel Dispenser merchants (MCC 5542) that do not support partial authorization

 

Visa Inter-regional Acquiring Fee (IAF)

A Visa U.S. fee that applies to all U.S. acquired purchase transactions on non-U.S. issued cards

 

Visa International Service Assessment

An inter-regional fee applied to transactions that occur with a card issued outside the merchant’s acquiring region

 

Visa Fixed Acquirer Network Fee (FANF)

The FANF is a variable fee, calculated based on acceptance method (i.e., card present or card not present), merchant category code (MCC), taxpayer ID, and number of locations or sales volume

 

Discover Fees

Discover Assessment

Charged by Discover on all settled sales transactions

 

Discover Data Usage

Charged by Discover on all Discover sales transactions

 

Discover International Service Fee (ISF)

Charged by Discover on Discover, JCB, or China Union Pay U.S. transactions for which the card issuer is located in a country other than the U.S.

 

Discover International Processing Fee (IPF)

Charged by Discover on Discover, JCB, or China Union Pay transactions for which the card issuer is located in a different country than the merchant

 

There may be additional fees on your statement not explained on this list. The applicability of the fees outlined herein may vary by Payment Brand, product, or region. If you have any questions about your fees, please contact 1-800-934-7717.