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 additional interchange information

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

Purchases

Visa Network Fees

LabelDescriptionRateApplication
VCAVisa credit assessment0.140%Charged on all settled Visa Purchases using a credit card
VDA / VDBAVisa debit assessment0.130%Charged on all settled Visa Purchases using a debit card
VNAPFCVisa authorization Fee - Credit$0.0195Charged on all Visa authorizations using a US credit card
VNAPFCIVisa authorization Fee - Credit International$0.0395Charged on all Visa authorizations using a non-US credit card
VNAPFDVisa authorization Fee - Debit$0.0155Charged on all Visa authorizations using a US debit card
VNAPFDIVisa authorization Fee - Debit International$0.0355Charged on all Visa authorizations using a non-US debit card
VXBFVisa Intl service fee + Int Acq. Fee1.450%Charged on all settled Visa Purchases using a non-US card
VAVSCVisa AVS credit$0.0350Charged on all standalone address verification requests with a Visa credit card
VAVSDVisa AVS debit$0.0300Charged on all standalone address verification requests with a Visa debit card
VAVSIVisa AVS - Int card$0.0700Charged on all standalone address verification requests with a non-US card
VEXSVisa Excessive Retry $0.1000Merchant attempts to authorize a transaction that had previously received a Category 1 decline
VEXSVisa Excessive Retry – International $0.1500Merchant attempts to authorize a transaction that had previously received a Category 1 decline
VPAVSVisa AVS Service Fee$0.0010 Charged on all cnp auth requests and 0 amount account verifications where AVS in not requested
VTIFVisa Integrity Fee$0.1000Charged on all Visa ecommerce and MOTO transactions without use of address/zip
VDTRVisa Decline Transaction Resubmission$0.1000Charged on the 16th+ consecutive cat 2-4 error or 2nd+ cat 1 error within 30 days on US card
VDTRXVisa Decline Transaction Resubmission - non-US issuer$0.1500Charged on the 16th+ consecutive cat 2-4 error or 2nd+ cat 1 error within 30 days on non-US card
VBII / VSNAFVisa Report Line Fee$0.002Charged on all authorized Visa transactions - Purchases, Reversals, Disbursements, Chargebacks, Representments
VGWYVisa gateway fee for non-Visa networks$0.0300Charged on all authorizations sent through Visa to a non-Visa card
VFANFVisa Fixed acquirer network feeVaries - Chart BelowCharged monthly on settled Visa Purchase $s
VKBFVisa File Transmission Fee$0.0025Charged on all settled Visa transactions
VAUVisa Account Updater$0.10

📘

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 feeMonthly 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

LabelDescriptionRateApplication
MASASMastercard Assessment0.1300%Charged on all settled Mastercard Debit and Credit Purchases
MASAS1kMastercard Assessment >=$1k0.0100%Additional amount charged on all settled Mastercard Purchases >= $1,000 USD
MCDEFMastercard Digital Enablement >=$1000.0200%Charged on all settled Mastercard Purchase authorizations, success or failure, except response code 51 (NSF). Capped at $0.20.
MCDEFMastercard Digital Enablement$0.02Charged on all settled Mastercard Purchase authorizations, success or failure, except response code 51 (NSF).
MNABUMastercard Net Access Brand Usage$0.0195Charged on all Mastercard Authorizations
MALFMastercard acq license fee0.0100%Charged on all settled Mastercard Purchases
MPAVSMastercard AVS authorization$0.0100Charged for each non-$0 authorization where the cardholder's address and/or zip is used
MARFMastercard reversal fee$0.005Charged on all Purchase reversals
MCXBFMastercard cross border fee1.4500%Charged on all settled Purchases where the card is issued outside the US
MEXSMastercard Excessive Retries$0.1000Charged after receiving 20 declines on the same card within a 24-hour period
MEXSMastercard Decline Reason $0.0200Charged on cnp auth requests decline with a response text or merchant advice code
MCAVSIMastercard AVS - Intl card$0.0300Charged on all standalone AVS requests on a non-US card
MCEXCMastercard excessive authorizations$0.1000Charged on the 21st failed Purchase attempt in a 24-hour period
MC3DSMastercard 3DS 2.0 attempts0.0100%Charged on all MC authorized amounts using 3ds 2.0 - $0.10 cap
MCLOCMastercard Location fee$1.2500Charged on all merchant locations and URLs
MKBFMastercard KB Access Fee$0.0035Charged on all Mastercard Authorizations
MAUMastercard Account Updater$0.125

Discover Network Fees

LabelDescriptionRateApplication
DASDiscover Assessments0.1400%Charged on all settled Discover Purchases
DUFDiscover Usage Fee$0.0025Charged on all settled Discover Purchases
DNAFDiscover Network Auth Fee$0.0190Charged on all Discover Authorizations
DAVSAddress Verification Fee$0.0050On all auth requests where AVS required
DAVSAccount Verification Service Fee$0.0200On all account verification (zero-dollar auth requests)
Digital Investment Fee0.0100%On all key entered sales
DISFDiscover International Service Fee0.8000%Charged on all settled Discover Purchases with a non-US card or cardholder

Accel, STAR, NYCE, PULSE Network Fees

LabelDescriptionRateApplication
ASWIAccel switch fee$0.0400Accel switch fee for a PINLess Authorization
SSWIDSTAR switch fee - PINless debit0.10% + $0.015STAR switch fee for a PINless debit settled Purchases
SSWIASTAR switch fee - PINless debit failure$0.0325STAR switch fee for a PINless debit failed Authorizations
SSWIRSTAR switch fee - PINless refund$0.0500STAR switch fee for a PINless refund Authorizations
SSWICSTAR switch fee - PINless credit$0.0500STAR switch fee for a PINless credit Authorizations
NSWINYCE switch fee$0.0400NYCE switch fee charged on all Authorizations
PSWIPULSE switch fee0.10% + $0.03PULSE switch fee charged on all Authorizations.
Note: The fixed $0.03 is charged on all authorizations, but the 0.10% is only on successful transactions.

Amex OptBlue

OptBlue rates: 0.165% (16.5 bps) assessments, $0.02 transaction fee, and interchange (listed below).

Card Not Present transactions may have an additional 0.30% fee (Non-Swiped Transaction Fee).

OptBlue Interchange

DescriptionTransaction SizeRate
AMEX RETAIL< $751.60 % + 10¢
AMEX RETAIL< $1,0001.95 % + 10¢
AMEX RETAIL> $1,0002.40 % + 10¢
AMEX SERVICES< $52.00 % + 2¢
AMEX SERVICES< $151.60 % + 4¢
AMEX SERVICES< $2501.70 % + 10¢
AMEX SERVICES< $3,0002.00 % + 10¢
AMEX SERVICES> $3,0002.40 % + 10¢
AMEX RESTAURANT< $52.00 % + 2¢
AMEX RESTAURANT< $151.60 % + 4¢
AMEX RESTAURANT< $301.85 % + 10¢
AMEX RESTAURANT< $1502.50 % + 10¢
AMEX RESTAURANT> $1502.85 % + 10¢
AMEX HEALTHCARE< $1501.55 % + 10¢
AMEX HEALTHCARE< $2,0001.85 % + 10¢
AMEX HEALTHCARE> $2,0002.30 % + 10¢
AMEX B2B/WHOLESALE< $4001.65 % + 10¢
AMEX B2B/WHOLESALE< $7,5001.90 % + 10¢
AMEX B2B/WHOLESALE> $7,5002.35 % + 10¢
AMEX TRAVEL AND ENTERTAINMENT< $1002.25 % + 10¢
AMEX TRAVEL AND ENTERTAINMENT< $1,0002.60 % + 10¢
AMEX TRAVEL AND ENTERTAINMENT> $1,0003.00 % + 10¢
AMEX PREPAID< $751.35 % + 10¢
AMEX PREPAID< $1,0001.70 % + 10¢
AMEX PREPAID> $1,0002.15 % + 10¢
AMEX EDUCATION< $1001.45 % + 10¢
AMEX EDUCATION< $3,0001.80 % + 10¢
AMEX EDUCATION> $3,0002.05 % + 10¢
AMEX EMERGING MARKETS< $1,2001.43 % + 10¢
AMEX EMERGING MARKETS< $4,0002.05 % + 10¢
AMEX EMERGING MARKETS> $4,0002.70 % + 10¢
AMEX GOVERNMENT< $1001.55 % + 10¢
AMEX GOVERNMENT< $3,0001.70 % + 10¢
AMEX GOVERNMENT> $3,0001.90 % + 10¢
AMEX OTHER< $1001.50 % + 10¢
AMEX OTHER< $3,0001.85 % + 10¢
AMEX OTHER> $3,0002.30 % + 10¢

Disbursements

Visa Network Fees

LabelDescriptionRateApplication
VNAPFCVisa authorization Fee - Credit$0.0195Charged on all Visa authorizations using a US credit card
VNAPFCIVisa authorization Fee - Credit International$0.0395Charged on all Visa authorizations using a non-US credit card
VNAPFDVisa authorization Fee - Debit$0.0155Charged on all Visa authorizations using a US debit card
VNAPFDIVisa authorization Fee - Debit International$0.0355Charged on all Visa authorizations using a non-US debit card
VBII / VSNAFVisa Base II system file fee$0.0018Charged on all settled Visa transactions - Purchases, Reversals, Disbursements, Chargebacks, Representments
VDF / VDISVisa Disbursement Fee0.1000%Charged on all settled Visa Disbursements capped at $0.25
VDFIVisa Disbursement Intl0.5000%Charged on all settled Visa Disbursements to non-US cards. Capped at $1.80
VGWYVisa gateway fee$0.0300Charged on all non-Visa card Authorizations using the Visa gateway

Mastercard Network Fees

LabelDescriptionRateApplication
MMNF / MDFMastercard MoneySend fee0.15% + $0.10Charged on all settled Mastercard Disbursements (MoneySend) to a US card. Capped at $0.35
MMNFIMastercard MoneySend fee - Intl0.70% + $0.55Charged on all settled Mastercard Disbursements (MoneySend) to a non-US card. Capped at $3.75
MRPPSRPPS Bill Payment$0.055Per payment - success or failure

Accel, STAR, NYCE, PULSE Network Fees

LabelDescriptionRateApplication
ASWIAccel switch fee$0.0400Accel switch fee for a PINLess Authorization*
SSWICSTAR switch fee - PINless credit$0.0500STAR switch fee for a PINless credit Authorizations
NSWINYCE switch fee$0.0500NYCE switch fee charged on all Authorizations
PSWIPULSE switch fee0.10% + $0.03PULSE switch fee charged on all Authorizations. Capped at $0.22 (includes PULSE security fee).
Note: The fixed $0.03 is charged on all authorizations, but the 0.10% is only on successful transactions.