Category: Credit Card Processing


Credit Card Processing

Comdata Review – Is It Worth the Cost?

Ben Dwyer
by Ben Dwyer

It also offers accounts payable, expense tracking, prepaid gift cards, and virtual cards for vendor payments and employee payroll. Comdata develops technology, issues credit cards, processes transactions, manages data and reporting, and has its own payment network. This makes it a full-service company that has products in a variety of categories we cover. We’ll review […]

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Comdata offers a plethora of financial services for businesses of every size in a wide range of industries. It started in the trucking industry, however, and many of its offerings (such as its POS products and fleet cards) are aimed at that sector.

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Credit Card Processing

Visa’s Base II System File Transmission Fee

Ben Dwyer
by Ben Dwyer

The System File Transmission Fee applies every time you take a Visa card. Transactions can (and often do) incur more than one assessment fee. For example, you may frequently see the System File Transmission Fee along with the Acquirer Processing Fee. Visa’s Assessments Base II Transmission Fee Locating the System File Transmission Fee Visa’s Assessments […]

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The Visa System File Transmission Fee, also called the Base II Transmission Fee or Base II System Fee, is an assessment fee that Visa charges.

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Credit Card Processing

Visa’s Misuse of Authorization Fee

Ben Dwyer
by Ben Dwyer

Sometimes called “ghost authorizations,” misused authorizations are transactions that are neither settled nor reversed properly. The fee attempts to cut down on such authorizations. Therefore, if you don’t follow a Visa authorization with a matching clearing transaction, you’ll incur the Misuse of Authorization Fee. You could also incur the fee in the case of a […]

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The Misuse of Authorization Fee is an assessment charge that Visa imposes on transactions that don’t follow proper authorization procedures.

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Credit Card Processing

Visa’s Base II Credit Voucher Fee

Ben Dwyer
by Ben Dwyer

Technically, there are two of these fees: the credit voucher fee and the Base II Credit Voucher Fee. The difference is that the Base II Credit Voucher Fee applies to US-based transactions. From there, the fee is split into Credit Voucher Fee (Debit), Credit Voucher Fee (Credit), Base II Credit Voucher Fee (Debit), and Base […]

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Visa’s Base II Credit Voucher Fee is an assessment fee that Visa charges when your business refunds a customer’s money.  There are separate fees for credit and debit.

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Credit Card Processing

Mastercard Acquirer Program Support Fee

Ben Dwyer
by Ben Dwyer

Essentially, it applies under the same circumstances as the Cross Border Fee (domestic). One or both fees can apply to the same transaction. Mastercard currently sets the APSF at 0.85%. Assessment Fees Acquirer Program Support Fee Locating the Fee on Processing Statements Finding the Lowest Cost Credit Card Processor Assessment Fees A non-negotiable component of […]

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Mastercard’s Acquirer Program Support Fee is an assessment fee for accepting Mastercards that were issued outside of the United States.

Mastercard Location Fee

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Credit Card Processing

Switch: Automatic Card Updating for Businesses

Ben Dwyer
by Ben Dwyer

If consumers don’t update their details, it becomes very difficult for businesses to collect payment. This is especially true of online businesses and subscription services, where the card is not present. Without valid card details, requests for payment will be denied and chasing down consumers can be time-consuming and expensive. If you’ve already granted access […]

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Every time a new card is issued, the information and security credentials change slightly. Whether it’s the card number, expiration date, or the card security code, these differences matter.

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Credit Card Processing

What is PIN on Glass for Debit Card Processing?

Ben Dwyer
by Ben Dwyer

Let’s look at the pros and cons of PIN on glass and what you need to know if you’re considering using for PIN debit card acceptance at your business. What is PIN on glass? Pros and Cons Saving Money with PIN Debit Who is PIN on glass good for? Alternatives to PIN on Glass What […]

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There’s a solution for businesses that accept debit cards but don’t have a PIN pad for customers to enter PINs: PIN on glass. The technology allows for secure PIN entry without a PIN pad.

PIN on Glass

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Credit Card Processing

Mastercard Acquirer License Fee

Ben Dwyer
by Ben Dwyer

Assessment Fees Acquirer License Fee (ALF) Locating the Acquirer License Fee on Statements Lowering Credit Card Processing Costs Assessment Fees As part of credit card processing costs, the credit card company sets the pricing themselves. Assessment fees apply to all business types and your credit card processor passes those charges to you. The Acquirer License […]

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The “Acquirer License Fee” (ALF) is a Mastercard assessment fee that gets passed to businesses as part of the cost of credit card processing. The fee varies, but is often listed explicitly on processing statements. Let’s take a closer look at the fee and when it will be charged.

Mastercard Location Fee

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