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Updates to the Visa Digital Commerce Services Fee (VDCF)

Visa is implementing a pricing restructuring for its Digital Commerce Services Fee (VDCF) for Card-Not-Present (CNP) transactions in two phases, and expanding the application of this fee (which previously only applied to transactions originated in the United States) to Canada-originated transactions.

Updated Pricing Structure – United States

Fee Code

Fee Description

Rate through 31 March 2026 (USD)

Rate effective April 1, 2026 (USD)

Rate effective April 1, 2027 (USD)

VDCF

Visa Digital Commerce Fee

Domestic & International:

  • 0.75 basis points (0.0075%)
  • Minimum USD $0.0075 per transaction

Domestic:

  • 1.5 basis points (0.015%)
  • Minimum USD $0.01 per transaction

International

  • 3.5 basis points (0.035%)
  • Minimum USD $0.01 per transaction

Domestic:

  • 2.25 basis points (0.0225%)
  • Minimum USD $0.0125 per transaction

International

  • 5.25 basis points (0.0525%)
  • Minimum USD $0.0125 per transactions

Updated Pricing Structure – Canada

Fee Code

Fee Description

Rate through 31 May 2026 (USD)

Rate effective June 1, 2026 (USD)

Rate effective April 1, 2027 (USD)

VDCF

Visa Digital Commerce Fee

N/A (New Fee)

Domestic:

  • 1.5 basis points (0.015%)
  • Minimum USD $0.01 per transaction

International

  • 3.5 basis points (0.035%)
  • Minimum USD $0.01 per transaction

Domestic:

  • 2.25 basis points (0.0225%)
  • Minimum USD $0.0125 per transaction

International

  • 5.25 basis points (0.0525%)
  • Minimum USD $0.0125 per transaction

What this means for you

  • Visa network fees on U.S. card-not-present purchase transactions will increase beginning in April 2026, with a further increase in April 2027.
  • Merchants in Canada will begin incurring VDCF fees on purchase transactions starting in June 2026.
  • These fees are network-mandated and will be reflected in standard billing; no action is required.

Frequently Asked Questions (FAQs)

What are the criteria for the Digital Commerce Services Fee (VDCF)?
  • Applies to Card-Not-Present (CNP) transactions using Visa-branded cards.
  • Applies to standard authorization messages (including Account Verifications and Refunds).
  • Excludes Card-Present (CP) transactions.
  • Excludes Account Funding Transactions (AFTs) and Original Credit Transactions (OCTs).
  • Excludes specific decline response codes:
    • 19 (Re-enter Transaction)
    • 63 (Security violation)
    • 92 (Financial institution or intermediate network facility cannot be found for routing)
    • 96 (System malfunction)
What API does the VDCF apply to?

Create Transaction API with type:pull for CNP Visa cards.

If you have any questions regarding this announcement, please contact [email protected].

Updated 18 days ago