Besides Interchange fees, card brands levy a certain percentage of sales amount as NABU (network Access Brand Usage) fees, aka Visa Acquirer Processing Fee (APF) or MasterCard Network Access fee in US. These fees are Not marked-up, at least, by us and goes directly to card associations. Again, just like interchange fees, they are not negotiable! Visa Assessments Visa FeePass-Through cost Credit Assessments0.13% of credit card volume and $0.0195/transaction. For a $100 credit sale, Visa takes about 15 cents. Debit Assessments0.11% of debit card volume and $0.0155/transaction. For a $20 debit sale, Visa takes about 4.1 cents. FANFFixed Acquirer Network Fee – Visa charges this flat fee based on how much volume you process per month. Read more here. International Service Assessment FeeAny card you accept from outside the US will be subject to a 0.80% international surcharge from Visa. International Acquirer FeeThis fee applies under identical circumstances as above – there is an additional 0.45% surcharge from Visa. Transaction Integrity Fee (TIF)This $0.10/transaction fee is assessed when a settled debit/prepaid card doesn’t meet CPS requirements – such as submitting AVS info on keyed sales and settling every 24 hours. Zero Floor Limit FeeThis $0.10/transaction fee is assessed when a settled transaction can’t be linked to a proper authorization. Zero Dollar Verification FeeThis rarely applied fee of $0.025/transaction applies when cardholder information (AVS, CCV) is verified without authorizing the sale. Misuse of Authorization FeeThis $0.045/transaction fee applies to all authorized transactions that do not have a matching settled sale. Kilobyte Access FeeThis $0.0047/transaction fee is charged for each authorized transaction submitted for settlement. Settlement Network Access FeeThis $0.0025/transaction fee is charged for all US-based settled transactions. MasterCard Assessments MasterCard FeePass-Through cost Credit/Debit Assessments0.12% of card volume and $0.0195/transaction for sales under $1,000. For a $100 sale, MasterCard takes about 14 cents. Credit/Debit Assessments0.13% of card volume and $0.0195/transaction for sales over $1,000. For a $2,000 sale, MasterCard takes about $2.62. Digital Enablement FeeThis fee is 0.01% of volume, and applies on Card-Not-Present sales for commercial cards, consumer credit cards, and signature debit cards. Cross Border Assessment Fee (Domestic)Any card you accept from outside the US will be subject to a 0.60% international surcharge from MasterCard. Cross Border Assessment Fee (Foreign)Any card you accept from outside the US that is settled in non-US dollars will be subject to a 1.00% international surcharge from MasterCard. Acquirer Program Support FeeThis 0.85% fee applies to any cards you accept from outside the US, just like the Cross Border Assessment Fee (domestic). AVS Fee (Card-Present)MasterCard assesses a $0.005/transaction fee for using Address Verification Services in a Card-Present environment. AVS Fee (Card-Not-Present)MasterCard assesses a $0.0075/transaction fee for using Address Verification Services in a Card-Not-Present environment. Card Validation Code FeeThere is a $0.0025/transaction fee for all transactions that are submitted with the Card Validation Code (also known as Card Code Verification or CCV). Kilobyte Access FeeThis $0.00444/transaction fee is charged for each authorized transaction submitted for settlement. Acquirer License FeeThis 0.0045% fee is assessed on all processing volume. Processing Integrity FeeThis $0.055/transaction fee is charged when transactions are not settled within 24 hours for Card-Present sales, or 72 hours for Card-Not-Present sales. Account Status Inquiry FeeThis rarely applied fee of $0.025/transaction applies when cardholder information (AVS, CCV) is verified without authorizing the sale. Discover Assessments Discover FeePass-Through cost Credit/Debit Assessments0.105% of card volume and $0.0185/transaction for all sales. For a $100 sale, Discover takes about 12 cents. International Processing FeeAny card you accept from outside the US will be subject to a 0.40% international surcharge from Discover. International Service FeeThis 0.55% fee applies to any cards you accept from outside the US, just like the International Processing Fee. Network Authorization FeeThis $0.025/transaction fee is charged for each authorized transaction submitted for settlement. American Express Assessments AMEX FeePass-Through cost Credit/Debit Assessments0.15% of card volume is paid directly to American Express. On a $100 sale, this works out to 15 cents. Card-Not-Present SurchargeAmerican Express will charge 0.30% of all Card-Not-Present volume International AssessementThis 0.40% fee applies to any cards you accept from outside the US.