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Visa provides its partners with insight into the Visa Rules. Learn about merchant credit card processing fees, interchange rates, and rules for partners.
Certain merchants (for example, government, education) in Canada, Egypt, Russia, and the U.S. are permitted to assess fixed or variable service fees on Visa Card transactions.
Understanding Fees and Rates: Merchants typically pay a "merchant discount" to their acquirer, which is negotiated between the two parties. The cost of processing services provided by the merchant’s acquirer may be included in the merchant discount rate, which is typically a percentage rate per transaction.
Visa uses interchange reimbursement fees as transfer fees between financial institutions to balance and grow the payment system for the benefit of all participants. Merchants do not pay interchange reimbursement fees; merchants pay "merchant discount" to their financial institution.
• A surcharge is an additional fee or charge that a merchant adds to a consumer’s bill for using a particular form of payment. Can merchants add a surcharge to card transactions? • Merchants in most States in the U.S. and U.S. territories may add a surcharge to credit card transactions,
Visa’s Merchant Resources has information on keeping your business safe, dispute resolutions and in-depth information on rates, fees and rules—and more.
Surcharging Credit Cards–Q&A for Merchants Q. What is a payment card surcharge? A payment card surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a consumer's bill when he or she uses a card for payment. Q. Can I add a surcharge to card transactions?
• Merchant are REQUIRED to notify their acquirer 30 day prior to surcharging. When can I surcharge? Credittransactions only • Surcharging applies only to credit transactions in the U.S. and U.S. territories. Debit and prepaid cannot be surcharged. How much can I surcharge? No more than the cost of acceptance
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1.5.2 Merchant Agreements 107 1.5.3 Marks Display 108 ... 1.12.1 Fee Assessment by Visa 150 1.12.2 Non-Compliance Assessments 150 2 Licensing and Numerics Management 157. ... 4.1.2 Visa Credit Card Issuance 185 4.1.3 Visa Charge Card Issuance 188 4.1.4 Debit Card Issuance 189