.13% - Debit Assessment - This assessment applies to gross Visa debit transaction volume. Update: In July 2016, Visa raised its assessment on debit volume from 0.11% to 0.13%.
.13% - Credit Assessment - This assessment applies to gross Visa credit transaction volume. Update: In January 2015, Visa raised its assessment on credit volume from 0.11% to 0.13%. The debit volume assessment did not change from 0.11%.
$0.0195 - Acquirer Processing Fee (APF) - Credit The Acquirer Processing Fee applies to all U.S.-based credit card authorizations acquired in the U.S. regardless of where the issuer/cardholder is located. If your business is based in the U.S., the acquirer processing fee will apply to all Visa credit card authorizations.
$0.0155 - Acquirer Processing Fee (APF) - Debit On April 1, 2012, Visa began charging a separate lower APF of $0.0155 for transactions involving a debit card.
$0.0195 - Credit Voucher Fee - Credit In April 2016, Visa began charging a transaction fee for refund transactions involving a credit card. As noted below, a fee also applies to debit refund transactions, but this fee is slightly lower at $0.0155.
$0.0155 - Credit Voucher Fee - Debit In April 2016, Visa began charging a transaction fee for refund transactions involving a debit card. As noted above, a fee also applies to credit refund transactions, but this fee is slightly higher at $0.0195.
$0.0195 -Base II Credit Voucher Fee (Credit) The Base II Credit Voucher Fee applies to all U.S.-based refund transactions involving a credit card.
$0.0155 - Base II Credit Voucher Fee (Debit) The Base II Credit Voucher Fee applies to all U.S.-based refund transactions involving a debit card.
$0.0018 - System File Transmission Fee System File Transmission Fee applies to all Visa transactions and is charged in addition to other transaction-based assessments, such as the Acquirer Processing Fee.
Transaction Integrity Fee (TIF) Effective April 13, 2012, Visa will begin charging a Transaction Integrity Fee (TIF) of $0.10 on transactions involving Visa debit and prepaid cards that do not meet CPS requirements.
Variable - Fixed Acquirer Network Fee (FANF) Effective April 1, 2012, the FANF is a monthly fee that varies based on processing method, number of locations and volume.
$0.0025 - Settlement Network Access Fee -- Also called a Visa Base II Fee Applies to all U.S.-based settlement transactions. If your business is based in the U.S., the settlement network access fee will apply to all Visa settlement transactions.
Note:The Settlement Network Access Fee (Visa Base II Fee) and Acquirer Processing Fee will both apply to the clear majority of credit card transactions for U.S.-based businesses bringing the total fee to $0.022
$0.0047 - Kilobyte (KB) Access Fee Visa's kilobyte fee is charged on each authorization transaction submitted to Visa's network for settlement.
$0.09 - Misuse of Authorization Fee The Misuse of Authorization Fee applies to Visa authorizations that are not followed by a matching clearing transaction (or in the case of a cancelled or timed out authorization, not properly reversed). On January 1, 2017, Visa raised the Misuse of Authorization fee from $0.045 to $0.09.
$0.20 - Zero Floor Limit Fee Visa's Zero Floor Limit applies to cleared transactions that can't be matched to a previously approved or partially-approved authorization. In short, it applies to settlement transactions submitted without a proper authorization. On January 1, 2017, Visa raised the Zero Floor Limit fee from $0.10 to $0.20.
$0.025 - Zero Dollar Verification Fee The Zero Dollar Verification fee applies to Zero Dollar Verification messages (approved and declined). Zero Dollar Verification messages include the verification of the card account number, address verification (through AVS), Card Verification Value 2 (CVV2) and Single Message System (SMS) acquired Account Verification authorizations. The Visa Misuse of Authorization Fee does not apply to these requests. The fee applies when you want to verify a cardholder's information without authorizing an amount of their card.
.80% - International Service Assessment Fee The International Service Assessment Fee applies to U.S. acquired transactions paid for with a card issued outside of the U.S. Update: On April 18, 2015, Visa raised the International Service Assessment from 0.40% to 0.80% on transactions settled in U.S. dollars, and to 1.20% on transactions settled in currencies other than U.S. dollars.
.45% - International Acquirer Fee
The International Acquirer Fee applies under the same circumstances as the International Service Assessment Fee noted above.
Note: The International Service Assessment Fee and International Acquirer Fee often both apply to the same transaction bringing the total charge to 0.85%.