• .12% - Assessment (Transactions less than $1,000) The assessment applies to gross MasterCard transaction volume. Update: In January 2015, MasterCard increased its assessment by 0.01% on all signature debit and credit transactions with an amount of $1,000 or less from 0.11% t0 0.12%.

  • .14% - Acquirer Brand Volume Fee (Transactions greater than $1,000) This assessment applies to consumer and business credit volume on transactions of $1,000 or greater. This assessment does not apply to signature debt transactions regardless of size.

  • .01% - Digital Enablement Fee - Effective January 2015, MasterCard will begin charging a Digital Enablement Fee. This fee will be assessed on MasterCard card-not-present sales volume involving signature debit, consumer credit and commercial credit transactions.

  • $0.0195 - Network Access and Brand Usage Fee (NABU) Update: Effective January 8, 2012 the NABU fee will apply to U.S.-based authorization transactions regardless of whether the transaction is settled. Prior to January 8, 2012 the Network Access and Brand Usage Fee applies to all U.S.-based settled transactions. Update: Effective June 30, 2013 the NABU fee will be increased to $0.0195, and it will apply to both authorization and refund transactions.

  • $15 / $3 - Merchant Location Fee The Merchant Location Fee is billed annually at a rate of $15 per location. Payment facilitators will incur a Merchant Location Fee of $3 per merchant location. More information about this fee can be found here: MasterCard Merchant Location Fee.

  • $0.0044 - Kilobyte (KB) Access Fee MasterCard's kilobyte fee is charged on each authorization transaction submitted to MasterCard's network for settlement.

  • .0045% - Acquirer License Fee (ALF) Effective April 2012, MasterCard will begin charging 0.0045% as an Acquirer License Fee assessed on gross MasterCard processing volume. This fee is also referred to by several processors as a License Volume Fee.

  • .60% - Cross Border Assessment Fee (Domestic) The domestic Cross-Border Assessment Fee applies to U.S. acquired transactions paid for with a card issued outside of the U.S. and settled in USD. Update: On April 18, 2015, MasterCard raised the Cross-Border fee from 0.40% to 0.60%.

  • 1.00% - Cross-Border Assessment Fee (Foreign) The foreign Cross-Border Assessment Fee applies to international transactions settled by U.S.-based merchants in a currency other than USD. Update: On April 18, 2015, MasterCard raised the Cross-Border fee on non-US currency transactions from 0.80% to 1.00%.

  • .85% - Acquirer Program Support Fee (Increased to 0.85% from 0.55% on April 1, 2013) The Acquirer Program Support Fee applies under the same circumstances as the Cross-Border Assessment Fee (Domestic) noted above.

  • $0.01 - AVS Fee (Card-Not-Present) MasterCard charges a fee each time a merchant access the address verification service when processing a transaction. MasterCard's AVS fee is a little higher for card-not-present merchants than it is for card-present merchants. MasterCard's AVS for card-present businesses is listed just below.

  • $0.005 - AVS Fee (Card-Present)

  • $0.0025 - Card Validation Code Fee Effective October 21, 2013, MasterCard will implement a Card Validation Code 2 (CVC2) transaction fee of $0.0025. This fee will be charged on transactions acquired in the United States with the CVC2 (three-digit code on the back of the customer's card) included in the transaction for authorization and the CVC2 response value equals ’M’ (Match) or ’N’ (Invalid/did not match). The fee will not apply to Account Status Inquiry (ASI) requests.

  • $0.025 - Account Status Inquiry Fee The account status inquiry fee is charged for transactions where a merchant does authorize an amount on a cardholder's account, but instead, validates aspects of her account. Account status inquiry transactions may include requests for address verification service (AVS), card validation code (CVC2), or both. MasterCard implemented the account status inquiry service on June, 14 2011 in place of support for AVS-only transactions.

  • $0.055 - Processing Integrity Fee (Card-Present, Card-Not-Present, no reversal) Effective June 14, 2011 MasterCard began charging acquirers a Processing Integrity Fee of $0.045 to encourage merchants to abide by proper transaction authorization standards. MasterCard increased the Processing Integrity Fee by $0.01 to $0.055 on November 1, 2011. The Processing Integrity Fee will apply in the following instances:

    • Card-present: Transactions are not settled, cleared, or reversed within 24 hours of the original authorization transaction/request.
    • Card-not-present: Transactions are not settled, cleared, or reversed within 72 hours of the original authorization transaction/request.
    • No reversal: An authorization transaction cannot be matched to a corresponding settlement record after a period of 120 days.
    • Exempt merchants: Travel and entertainment merchants classified as MCC 3351-3441, 3501-3999, 4411, 7011 and 7512 are exempt from the Processing Integrity Fee.

  • Note: The Cross-Border Assessment Fee (Domestic) and the Acquirer Program Support Fee often both apply to the same transaction bringing the total charge to 1.25%.

  • $500.00 - Yearly Registration Fee (online e-cigarettes/vaping business) Effective January 15, 2017, MasterCard will impose a $500 yearly registration fee on ecommerce businesses in the e-cigarettes/vaping industry.