Tag: rates and fees


Credit Card Processing

Mastercard Processing Integrity Fee

Ben Dwyer
by Ben Dwyer

The amount and criteria for the fee vary depending on specific circumstances, which we’ll explain in detail below. Processing Integrity Fee Summary Mastercard Assessment Fees Processing Integrity Fee in Detail Pre-Authorization Final Authorization Undefined Authorization Other Rules Locating the Processing Integrity Fee on Statements Lowering Your Mastercard Acceptance Costs Processing Integrity Fees Summary Currently, the […]

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The Mastercard Processing Integrity Fee is an “assessment fee” Mastercard charges to encourage businesses to adhere to correct authorization standards for transactions.

Mastercard Location Fee

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Credit Card Processing

Assessments: Discover International Processing Fee and International Service Fee

Ben Dwyer
by Ben Dwyer

If you take a Discover card that was issued outside the US, you’ll be subject to international processing fees. Discover Assessments Discover International Fees Identifying International Processing Fees Lowering Your Costs Discover Assessments Assessment fees are a non-negotiable component of credit card processing costs. Assessments are set by the card brands and are the same […]

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Discover imposes two assessment fees specifically for international transactions: The International Processing Fee and the International Service Fee. Both fees can apply to one transaction.

Discover Information Security and Compliance Program

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Credit Card Processing

American Express International Assessment

Ben Dwyer
by Ben Dwyer

As of 2018, the International Assessment carries a rate of 0.40% of the total transaction volume. Let’s break that down further and take a look at when this fee is charged. OptBlue Pricing Model American Express Assessments When is the International Assessment charged? Lowering Your Amex Acceptance Costs OptBlue Pricing Model Firstly, the International Assessment […]

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The International Assessment is a credit card processing charge that a business on an OptBlue pricing model incurs when accepting an American Express card that was issued outside of the United States.

American Express Data Security Operating Policy

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Credit Card Processing

American Express Card Not Present Surcharge

Ben Dwyer
by Ben Dwyer

Let’s break that down a little further. Defining Card Not Present What is OptBlue? Card Not Present Surcharge Do all processors impose the Card-Not-Present Surcharge? Defining Card Not Present The term “card not present” can be a little tricky. It covers any transaction where you don’t run the card through a credit card machine using […]

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American Express’ Card Not Present Surcharge is a fee charged to businesses on the OptBlue pricing model that take credit cards through non-swiped methods, such as online or by keying in card details.

American Express Data Security Operating Policy

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Credit Card Processing

Discover Data Usage Fee

Ben Dwyer
by Ben Dwyer

However, processors may or may not charge it, and may or may not list it as the “data usage fee.” What are assessment fees? Data Usage Fee Paying the Data Usage Fee Interchange Plus Pricing Flat Rate Pricing Can I lower or avoid the Data Usage Fee? What are assessment fees? Assessment fees are a […]

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The “Data Usage Fee” is an assessment charge Discover imposes when you accept Discover cards at your business.

Discover Information Security and Compliance Program

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Credit Card Processing, ecommerce

Mastercard Digital Enablement Fee

Ben Dwyer
by Ben Dwyer

Let’s take a look at when you’ll be charged, how much, and how to locate the fee. What is the Digital Enablement Fee? Credit Card Assessments Where to Find the Digital Enablement Fee The Digital Enablement Fee on Interchange Plus and Tiered Statements The Digital Enablement Fee on Flat Rate Statements Can I get the […]

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Wondering about the “digital enablement fee” on your credit card processing statement? Mastercard’s Digital Enablement Fee is a charge to businesses that accept card-not-present transactions, such as  those made on ecommerce websites.

Mastercard Location Fee

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B2B, Credit Card Processing

What is First Data’s Comm Card I/C Savings Adj?

Ben Dwyer
by Ben Dwyer

First Data and its sales channel Ignite Payments announced a new service. It’s called the Commercial Card Interchange Service, and the goal is to help you reduce interchange fees on certain transactions made with a commercial credit card. In exchange for helping you save money on commercial transactions, First Data/Ignite takes 50% of the reduction […]

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If you’re seeing a line on your processing statement labeled “COMM CARD I/C SAVINGS ADJ” or “COMM CARD INTCHG SERVICE,” you’re probably wondering what that is.

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Credit Card Processing

Staged Digital Wallet Fees

Ben Dwyer
by Ben Dwyer

However, that is often no longer the case. In March of 2017, Visa announced a staged digital wallet fee that will take effect in April of 2017. This comes well after Mastercard imposed a similar fee in 2013. Visa’s fee can result in higher interchange costs for small businesses. Which wallets does this affect, and […]

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In the past, a business accepting a digital wallet payment was charged the same rates as they would be for accepting a physical credit card.

Staged-Digital-Wallet-Fees

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