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Statement Fees Defined

With so many different types of fees associated with payment processing, how do you know what you’re really being charged for? Below is a list of common fees charged by the Payment Brands (Visa, MasterCard, Discover) that you may see on the Charges & Fees section of your statement. Click the icon next to any of the Payment Brands to reveal the definitions.

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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.