A Complete Guide to Visa Assessment and Passthrough Fees

Visa Assessment and Passthrough Fees for US Merchants

Debit Assessment

This is also referred to as Visa US Acquirer Service Fee – Debit 

This is a volume fee assessed on all Visa debit transactions.  The fee is a percentage of all debit transactions processed.  This is a passthrough fee and not a markup charged by a processor.

0.13%

Credit Assessment

Also called Visa US Acquirer Service Fee – Credit 

This is a volume fee assessed on all Visa credit transactions.  The fee is a percentage of all credit transactions processed.  This assessment increased from 0.13% to 0.14% on January 1, 2019.  This is a passthrough fee and not a markup charged by a processor.

0.14%

Acquirer Processing Fee (APF) – Credit

This is also referred to as Visa Authorization Processing Fee – Variable Credit 

The Acquirer Processing Fee (APF) Credit is charged on all US-based authorizations on credit card transactions. The acquirer processing fee applies to all Visa credit card authorizations for businesses based in the US, regardless of where the card is issued.

$0.0195

Acquirer Processing Fee (APF) – Debit

This is also referred to as Visa Authorization Processing Fee – Variable Debit 

The Acquirer Processing Fee (APF) Debit is charged on all Visa non-PIN debit authorizations processed in the U.S.

$0.0155

Credit Voucher Fee – Credit

The Credit Voucher Fee (Credit) is charged on all refund transactions processed on a credit card.

$0.0195

Credit Voucher Fee – Debit

The Credit Voucher Fee (Debit) is charged on all refund transactions processed on a debit card.

$0.0155

Base II Credit Voucher Fee (Credit)

The Base II Credit Voucher Fee (Credit) is charged on all refund transactions processed on credit cards in the US.

$0.0195

Base II Credit Voucher Fee (Debit)

The Base II Credit Voucher Fee (Debit) is charged on all refund transactions processed on debit cards in the US.

$0.0155

System File Transmission Fee

Also referred to as Visa Base II System File Transmission Fee  

The System File Transmission Fee is charged on all Visa transactions and is applied in addition to other assessments, such as the APF.

$0.0018

Transaction Integrity Fee (TIF) 

Also referred to as the Visa Debit Integrity Fee

The Transaction Integrity Fee is charged on transactions processed on Visa non-PIN debit and prepaid cards that do not meet Interchange CPS requirements.

 $0.10

Fixed Acquirer Network Fee (FANF)

FANF is a fee charged monthly that varies based on keyed vs. card present, number of merchant locations,  and processing volume.

Varies

Kilobyte (KB) Access Fee

Visa’s kilobyte fee is a network fee that applies to each authorization submitted to be settled on the Visa network.

$0.0047

Misuse of Authorization Fee

The Misuse of Authorization Fee is charged on Visa authorizations not followed by a matching settled transaction (or for authorizations are not properly reversed when they are timed out or cancelled).

$0.09

Zero Floor Limit Fee

The Zero Floor Limit is charged on settled transactions that don’t have a corresponding previously approved or partially-approved authorization. This fee is charged for settlement of transactions submitted that do not have a proper authorization.

$0.20

Zero Dollar Verification Fee

The Zero Dollar Verification fee is charged on Zero Dollar Verification messages (approved and declined), such as the verification of the card account number, address verification (using AVS), Card Verification Value 2 (CVV2) and Single Message System (SMS) processed Account Verification authorizations. The Misuse of Authorization Fee is not charged on these requests. The fee is paid to verify cardholder information without submitted a transaction to be settled.

$0.025

International Service Assessment Fee (ISA)

The International Service Assessment Fee is charged on U.S. based transactions processed on a card issued outside of the U.S.

1.00%

International Acquirer Fee

The International Acquirer Fee is also charged when the International Service Assessment Fee applies. The International Service Assessment Fee and International Acquirer Fee usually simultaneously apply to the same transactions which makes the total international fee on these transactions 0.85%.

0.45%