Every fee on your merchant statement, decoded
Mid-qualified rate, pass-through fees, effective rate, NABU fee. The exact words printed on your statement, each with its own page explaining what it is, who charges it, and whether you can get rid of it.
Find your fee below, grouped by category. Fees marked Full guide have a complete breakdown with typical cost and negotiation guidance. Everything else is marked Coming soon: the page exists with a plain-language name and alias list, but the full write-up isn't published yet. Looking for a quick one-line definition instead of a full breakdown? Try the A-Z statement fee glossary.
Every processor prints its fees under slightly different names, which is exactly why a fee search so often comes up empty. This hub covers the fee names merchants actually search for, matched to the plain-English concept behind them and, wherever possible, a real breakdown of who charges it and whether it's worth fighting.
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Mid-Qualified Rate
Full guideThe mid-qualified rate (Mid-Qual) is the middle tier in tiered pricing. What triggers it, who sets it, and if you can avoid it.
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Non-Qualified Surcharge
Full guideA non-qualified surcharge (Non-Qual) is the priciest tiered-pricing rate. What triggers it, what it costs, and how to avoid it.
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Processor Markup
Full guideProcessor markup (ISO markup) is the profit added above interchange. Why it's the one processing cost you can negotiate.
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PCI Compliance Fee
Full guideA PCI compliance fee funds the card security program every merchant must follow. What it costs and if it's avoidable.
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PCI Non-Compliance Fee
Full guideA PCI non-compliance fee penalizes an incomplete security questionnaire. How to identify it and get it off your statement.
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IRS TIN Mismatch Fee
Coming soonCharged by Processor or IRS.
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Non-EMV Surcharge
Coming soonCharged by Processor or ISO.
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Monthly Minimum Fee
Full guideA monthly minimum fee (minimum discount fee) bills you when fees fall short. What it is and how to get it waived.
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Statement Fee
Full guideA statement fee is a flat monthly charge just to receive your merchant statement. How to get it waived or removed.
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Annual Fee
Coming soonCharged by Processor or ISO.
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Regulatory Product Fee
Coming soonCharged by Processor or ISO.
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Account on File Fee
Coming soonCharged by Processor or ISO.
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Merchant Club Fee
Coming soonCharged by Processor or ISO.
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Next Day Funding Fee
Coming soonCharged by Processor or ISO.
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Batch Fee
Full guideA batch fee (settlement fee) is charged each time you close out a day's transactions. What it costs and if it's negotiable.
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Address Verification Service Fee
Coming soonCharged by Processor or gateway.
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Voice Authorization Fee
Coming soonCharged by Processor or ISO.
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Assessment Fee
Full guideAn assessment fee is Visa or Mastercard's own cut of every sale. Why it's fixed, non-negotiable, and separate from interchange.
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Interchange Fee
Full guideThe interchange fee (IC fee) goes to the card-issuing bank and is set by the networks, not your processor. Read why it can't be lowered.
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Mastercard NABU Fee
Full guideThe Mastercard NABU fee is a per-transaction network and brand charge fixed by Mastercard. Why it can't be negotiated.
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Visa Acquirer Processing Fee
Full guideThe Visa APF is a small flat fee on most Visa transactions, set by Visa. What it costs and why it's non-negotiable.
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Visa Fixed Acquirer Network Fee
Full guideVisa FANF is a flat monthly charge based on your card-present volume. What sets your tier and how to confirm you're billed right.
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Amex OptBlue Fee
Coming soonCharged by American Express.
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Cross-Border Fee
Coming soonCharged by Card network.
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Debit Network Fee
Coming soonCharged by Debit network.
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Misuse of Authorization Fee
Coming soonCharged by Card network.
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Currency Conversion Fee
Coming soonCharged by Card network.
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Digital Enablement Fee
Coming soonCharged by Card network.
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Discover Data Usage Fee
Coming soonCharged by Discover.
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Early Termination Fee
Full guideAn early termination fee (ETF) penalizes closing a merchant account early. When the charge can be waived or avoided.
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Account Setup Fee
Coming soonCharged by Processor or ISO.
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Payment Gateway Fee
Coming soonCharged by Gateway provider or ISO.
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Kilobyte Access Fee
Coming soonCharged by Processor or ISO.
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Wireless Access Fee
Coming soonCharged by Processor or ISO.
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Chargeback Fee
Coming soonCharged by Processor or ISO.
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Retrieval Request Fee
Coming soonCharged by Processor or ISO.
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Excessive Chargeback Program Fee
Coming soonCharged by Card network.
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Terminal Lease Fee
Coming soonCharged by Leasing company.
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Service Fee (Cash Discount)
Coming soonCharged by Merchant program.
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Effective Rate
Full guideEffective rate (blended rate) is total fees divided by total card sales. How to calculate it and use it to compare processors.
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