Network Fee Guide

The purpose of this guide is to create transparency as to how Network fees are calculated and charged to the customer. Per customer contracts, network fees are passed on to the customer based on usage per customer. This guide can be used to calculate how TabaPay calculates the network fees in the invoices sent at month end and debited daily.

TabaPay has integrations with the following networks:
• Visa
• Mastercard
• Discover
• American Express
• Pulse
• Accel
• Star
• NYCE
• CULIANCE

TabaPay is also integrated with The Clearing House’s RTP Network.

Due to the dynamic nature of the payments ecosystem, fees are subject to change over time. As of May 1st, 2022, the most updated network fees are reported in this document.

Bold Indicates April 2022 Fee Change

For any further assistance, please reach out to us:
[email protected] | 415-980-8222, Option 3 | 8am – 5pm PT

Purchases

Visa Network Fees

Label

Description

Rate

Application

VCA

Visa credit assessment

0.140%

Charged on all settled Visa Purchases using a credit card

VDA / VDBA

Visa debit assessment

0.130%

Charged on all settled Visa Purchases using a debit card

VNAPFC

Visa authorization Fee - Credit

$0.0195

Charged on all Visa authorizations using a US credit card

VNAPFCI

Visa authorization Fee - Credit International

$0.0395

Charged on all Visa authorizations using a non-US credit card

VNAPFD

Visa authorization Fee - Debit

$0.0155

Charged on all Visa authorizations using a US debit card

VNAPFDI

Visa authorization Fee - Debit International

$0.0355

Charged on all Visa authorizations using a non-US debit card

VXBF

Visa Intl service fee + Int Acq. Fee

1.450%

Charged on all settled Visa Purchases using a non-US card

VAVSC

Visa AVS credit

$0.0350

Charged on all standalone address verification requests with a Visa credit card

VAVSD

Visa AVS debit

$0.0300

Charged on all standalone address verification requests with a Visa debit card

VAVSI

Visa AVS - Int card

$0.0700

Charged on all standalone address verification requests with a non-US card

VEXS

Visa Excessive Retry

$0.1000

Merchant attempts to authorize a transaction that had previously received a Category 1 decline

VEXS

Visa Excessive Retry – International

$0.1500

Merchant attempts to authorize a transaction that had previously received a Category 1 decline

VPAVS

Visa AVS Service Fee

$0.0010

Charged on all cnp auth requests and 0 amount account verifications where AVS in not requested

VTIF

Visa Integrity Fee

$0.1000

Charged on all Visa ecommerce and MOTO transactions without use of address/zip

VDTR

Visa Decline Transaction Resubmission

$0.1000

Charged on the 16th+ consecutive cat 2-4 error or 2nd+ cat 1 error within 30 days on US card

VDTRX

Visa Decline Transaction Resubmission - non-US issuer

$0.1500

Charged on the 16th+ consecutive cat 2-4 error or 2nd+ cat 1 error within 30 days on non-US card

VBII / VSNAF

Visa Base II system file fee

$0.0018

Charged on all settled Visa transactions - Purchases, Reversals, Disbursements, Chargebacks, Representments

VGWY

Visa gateway fee for non-Visa networks

$0.0300

Charged on all authorizations sent through Visa to a non-Visa card

VFANF

Visa Fixed acquirer network fee

Varies - Chart Below

Charged monthly on settled Visa Purchase $s

📘

Visa Excessive Retry fees effective April 2022

See accompanying guide on Visa Excessive Retry fees effective April 2022

VFANF - Visa Fixed acquirer network fee

Monthly fee

Monthly tier

$0.00

$200.00

0.15%

$1,250.00

$7.00

$4,000.00

$9.00

$8,000.00

$15.00

$40,000.00

$45.00

$200,000.00

$160.00

$800,000.00

$450.00

$2,000,000.00

$1,000.00

$4,000,000.00

$2,000.00

$8,000,000.00

$4,000.00

$20,000,000.00

$8,000.00

$40,000,000.00

$16,000.00

$80,000,000.00

$45,000.00

$400,000,000.00

$70,000.00

$400,000,000.00

Mastercard Network Fees

Label

Description

Rate

Application

MASAS

Mastercard Assessment

0.1300%

Charged on all settled Mastercard Debit and Credit Purchases

MASAS1k

Mastercard Assessment >=$1k

0.0100%

Additional amount charged on all settled Mastercard Purchases >= $1,000 USD

MCDEF

Mastercard Digital Enablement

0.0200%

Charged on all settled Mastercard Purchase authorizations, success or failure, except response code 51 (NSF). $0.02 min, and $0.20 max.

MNABU

Mastercard Net Access Brand Usage

$0.0195

Charged on all Mastercard Authorizations

MALF

Mastercard acq license fee

0.0100%

Charged on all settled Mastercard Purchases

MPAVS

Mastercard AVS authorization

$0.0100

Charged for each non-$0 authorization where the cardholder's address and/or zip is used

MARF

Mastercard reversal fee

$0.0005

Charged on all Purchase reversals

MCXBF

Mastercard cross border fee

1.4500%

Charged on all settled Purchases where the card is issued outside the US

MEXS

Mastercard Excessive Retries

$0.1000

Charged after receiving 20 declines on the same card within a 24-hour period

Mastercard Decline Reason

$0.0200

Charged on cnp auth requests decline with a response text or merchant advice code

MCAVSI

Mastercard AVS - Intl card

$0.0300

Charged on all standalone AVS requests on a non-US card

MCEXC

Mastercard excessive authorizations

$0.1000

Charged on the 21st failed Purchase attempt in a 24-hour period

MC3DS

Mastercard 3DS 2.0 attempts

0.0100%

Charged on all MC authorized amounts using 3ds 2.0 - $0.10 cap

MCLOC

Mastercard Location fee

$1.2500

Charged on all merchant locations and URLs

Discover Network Fees

Label

Description

Rate

Application

DAS

Discover Assessments

0.1400%

Charged on all settled Discover Purchases

DUF

Discover Usage Fee

$0.0025

Charged on all settled Discover Purchases

DNAF

Discover Network Auth Fee

$0.0190

Charged on all Discover Authorizations

Address Verification Fee

$0.0050

On all auth requests where AVS required

Account Verification Service Fee

$0.0200

On all account verification (zero-dollar auth requests)

Digital Investment Fee

0.0100%

On all key entered sales

DISF

Discover International Service Fee

0.8000%

Charged on all settled Discover Purchases with a non-US card or cardholder

Amex, Accel, STAR, NYCE, PULSE Network Fees

Label

Description

Rate

Application

AAF

Discount Fee

3.1200%

Amex fee and interchange

ASWI

Accel switch fee

$0.0400

Accel switch fee for a PINLess Authorization

SSWID

STAR switch fee - PINless debit

0.10% + $0.015

STAR switch fee for a PINless debit settled Purchases

SSWIA

STAR switch fee - PINless debit failure

$0.0325

STAR switch fee for a PINless debit failed Authorizations

SSWIR

STAR switch fee - PINless refund

$0.0500

STAR switch fee for a PINless refund Authorizations

SSWIC

STAR switch fee - PINless credit

$0.0500

STAR switch fee for a PINless credit Authorizations

NSWI

NYCE switch fee

$0.0400

NYCE switch fee charged on all Authorizations

PSWI

PULSE switch fee

0.10% + $0.025

PULSE switch fee charged on all Authorizations. Capped at $0.20 (includes PULSE security fee)

Disbursements

Visa Network Fees

Label

Description

Rate

Application

VNAPFC

Visa authorization Fee - Credit

$0.0195

Charged on all Visa authorizations using a US credit card

VNAPFCI

Visa authorization Fee - Credit International

$0.0395

Charged on all Visa authorizations using a non-US credit card

VNAPFD

Visa authorization Fee - Debit

$0.0155

Charged on all Visa authorizations using a US debit card

VNAPFDI

Visa authorization Fee - Debit International

$0.0355

Charged on all Visa authorizations using a non-US debit card

VBII / VSNAF

Visa Base II system file fee

$0.0018

Charged on all settled Visa transactions - Purchases, Reversals, Disbursements, Chargebacks, Representments

VDF

Visa Disbursement Fee

0.1000%

Charged on all settled Visa Disbursements capped at $0.25

VDFI

Visa Disbursement Intl

0.5000%

Charged on all settled Visa Disbursements to non-US cards. Capped at $1.80

VGWY

Visa gateway fee

$0.0300

Charged on all non-Visa card Authorizations using the Visa gateway

Mastercard Network Fees

Label

Description

Rate

Application

MMNF

Mastercard MoneySend fee

0.15% + $0.10

Charged on all settled Mastercard Disbursements (MoneySend) to a US card. Capped at $0.35

MMNFI

Mastercard MoneySend fee - Intl

0.70% + $0.55

Charged on all settled Mastercard Disbursements (MoneySend) to a non-US card. Capped at $3.75

MDF

Mastercard disbursement fee - domestic

0.15% + $0.10

Per successful disbursement - capped at $0.35

MDF

Mastercard disbursement fee – intl

Varies

Per successful disbursement - capped at $2.00 in most cases

MRPPS

RPPS Bill Payment

$0.055

Per payment - success or failure

Amex, Accel, STAR, NYCE, PULSE Network Fees

Label

Description

Rate

Application

ASWI

Accel switch fee

$0.0400

Accel switch fee for a PINLess Authorization*

SSWIC

STAR switch fee - PINless credit

$0.0500

STAR switch fee for a PINless credit Authorizations

NSWI

NYCE switch fee

$0.0400

NYCE switch fee charged on all Authorizations

PSWI

PULSE switch fee

0.10% + $0.025

PULSE switch fee charged on all Authorizations. Capped at $0.20 (includes PULSE security fee)


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