Statement Fee Descriptions

The Fees section of a Statement lists items assessed by category. This section in combination with the Payment Type Summary demonstrates the total amount deducted for a specified billing period. See the tables below for descriptions and definitions of card brand fees:

American Express Fees

Fee DescriptionDefinition
AM - Inbound FeeApplies to non-US American Express issued card sales amount.
AM- Non-Swiped TrApplies to sales amount when a card number is key-entered, card-not-present, and e-commerce volume.
Amex - Network / Sponsorship
Applies to American Express sales amount and includes:
1. Amex Network Fee of 0.15%
2. Acquiring Sponsorship of 0.15%


Discover Fees

Fee DescriptionDefinition
DS Assessment / Sponsorship
Applies to Discover (DS) sales amount and includes:
1. DS Assessment of 0.13%
2. Acquiring Sponsorship of 0.02%
DS Data Transmission Fee
Applies to Discover settled sales items.
DS Data Usage / Auth Request Fee
Applies to Discover authorization requests to the Discover Network  and includes:
1. Data Usage of $0.0195
2. Authorization requests of $0.0025


Visa Fees

Fee DescriptionDefinition
VS - NAPF Debit
Applies to Visa authorization requests that are card type of consumer debit or prepaid.
VS - NAPF Credit
Applies to Visa authorization requests that neither consumer debit or prepaid.
VS - IAF
Applies to non-US issued card sales amount and is known as the International Acquiring Fee.
VS - ISA
Applies to non-US issued card sales amount and is known as the International Service Assessment.
VS - ISA multicurrency
Applies to non-US issued card sales amount and the sales amount is settled in a target currency other than USD.
VS - VSCRVCHRFEECR
Applies to all credit or refund items that are not processed with a consumer debit or prepaid cards.
VS - VSCRVCHRFEEDB
Applies to all credit or refund items that are processed with consumer debit or prepaid cards.
VS - Verification Requests
Applies to all Visa US issued card verification requests, also known as zero dollar inquiries.
VS - Base II Fee
Applies to all Visa settled transactions.
VS - Misuse of Auth Fee
Applies to Visa approved or partially approved authorizations that can not be matched to a settled transaction within 10 days.
VS - Zero Floor Limit Fee
Applies to Visa settled transactions that cannot be matched to a previously approved authorization.
VS - FANFSee Visa Schedule(s).
VS - Assessment/Sponsorship DB
Applies to Visa sales amount processed on consumer debit or prepaid cards and includes:
1. Visa Assessment of 0.13%
2. Acquiring Sponsorship of 0.02%
VS - Assessment/Sponsorship CR
Applies to Visa sales amount processed on non-consumer debit or prepaid cards and includes:
1. Visa Assessment of 0.14%
2. Acquiring Sponsorship of 0.02%
VS - TIF Assessment
Applies to all Visa settled items when card-not-present interchange requirements were not met.


MasterCard Fees

Fee DescriptionDefinition
MC - Assessment/Sponsorship
Applies to MasterCard sales amount processed and includes:
1. Visa Assessment of 0.13%
2. Acquiring Sponsorship of 0.02%
MC - Large Ticket Assessment
Applies to MasterCard sales amount where an individual transaction is equal to or greater than $1,000.00 USD.
MC - Digital Enablement Fee
Applies to all MasterCard card-not-present sales amount processed.
MC - Acquirer License Fee
Applies to all MasterCard sales amount processed.
MC - NABU Fee
Applies to MasterCard authorization requests.
MC - NABU Returns
Applies to all MasterCard credit or refund items.
MC - Kilobyte Settlement Fee
Applies to all MasterCard settled transactions.
MC - CRBDR - Domestic
Applies to MasterCard non-US issued card sales amount is settled in USD.
MC - CRBDR - Multicurrency
Applies to MasterCard non-US issued card sales amount which is settled in a target currency other than USD.  
MC - ACQ Program Support
Applies to MasterCard non-US issued card sales amount processed.
MC - Account Status Inquiry
Applies to all MasterCard US issued card verification requests, also known as zero dollar inquiries.  
MC - Account Status Inquiry Foreign
Applies to all MasterCard non-US issued card verification requests, also known as zero dollar inquiries.  
MC - Processing Integrity Fee (PIF)
A MasterCard Processing Integrity Fee (PIF) is an “assessment fee” to encourage businesses to adhere to correct authorization standards for transactions and require that outstanding authorizations are reversed.
MC - PIF Pre-Auth
A MasterCard Processing Integrity Fee (PIF) is an “assessment fee” to encourage businesses to adhere to correct authorization standards for transactions and require that outstanding pre-authorizations are reversed.
MC - PIF Undefined Authorization
A MasterCard Processing Integrity Fee (PIF) is an  “assessment fee” to encourage businesses to adhere to correct authorization standards for transactions and require that outstanding undefined-authorizations are reversed.
MC - PIF Final Auth
A MasterCard Processing Integrity Fee (PIF) is an“assessment fee” to encourage businesses to adhere to correct authorization standards for transactions and require that outstanding final-authorizations are reversed.
MC - PIF Detail Reporting
Applies to all MasterCard Processing Integrity Fee (PIF) items.
MC - CVC2 Fee
Apples to all MasterCard authorization requests with a Card Verification Value.
MC - Merchant Location Fee
Applies to MasterCard transactions within a billing month, where a merchant processed greater than $200 in sales volume.
MC - Secure Code Fee
Applies to all MasterCard 3D Secure Code authorization requests.