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Frequently Asked Questions > Fee Structure

In addition to the fees disclosed in the BankCard USA Merchant BankCard Services Application and Agreement, the following fees apply to all merchant accounts. Outlined below is each fee as it appears on the monthly processing statement (if applicable) its description, and the applicable charge.
 

     
VOICE-LOC Per-inquiry fee for live voice-authorization requests $1.00 per call
HELP DESK/
ASSISTANCE
SERVICE
Charge for each inquiry to the FDR Help Desk. To avoid this fee, please first contact our Merchant Services Department at (800) 589-8200 for possible assistance. Most inquiries can be handled directly with Merchant Services at no additional cost. $4.00 per call
DDA CHANGE FEE
Demand-Deposit Account
(merchant checking account)
This fee will be assessed prior to the change of merchant bank account information and will not appear on the monthly processing statement. $25.00 per request
12B LETTER Processing fee for receipt of each retrieval request $5.00 per retrieval request
AVS Address Verification Service (AVS) inquiry fee. An AVS inquiry must be performed on all non-face-to-face
transactions to qualify for the lowest possible discount rate.
$.10 per inquiry
CHARGEBACKS Processing fee for receipt of each chargeback received against the merchant
account
$25.00 per
chargeback*
DOCUMENTATION
REQUEST FEE
This fee will not appear on the monthly processing statement. Fee for request of documentation previously provided at no cost (for example, monthly processing statements). The greater of $2.00
per page OR
$25.00 per hour
ACH REJECT /
RETURNED ITEM
FEE
This fee will not appear on the monthly processing statement. Fee for the return of an automatic debit
to the DDA linked to the merchant processing account.
$25.00 per reject
SECURITY/LOSS PREVENTION FEE Fee for security and loss prevention work
associated with transactions held in a
batch.
$35.00 per batch
Batch Header Fee This fee applies to settling a terminal at the end of the business day. Merchant sends their completed transactions for the day to their acquiring bank for payment. $.25 per batch out

     

ACQUIRER PROGRAM SUPPORT FEE (MC)

Assessed on International Interchange categories. Merchants accepting International cards may notice a slight increase in the effective costs of Interchange of 0.15% (15 basis points).

Pass Through

NETWORK AREA BRAND USAGE (NABU) (MC)

Billed at a pass through cost of $0.0185 per item

Pass Through

CROSS BORDER (MC)

Assessment for each transaction acquired in the US for non-US issued cards processed. This card type / charge type accommodates transactions where the acquirer settles the transaction using the merchant’s currency code.

Pass Through

ACQUIRER INTERNATIONAL SERVICE ASSESMENT (ISA) (VISA)

This is the fee on U.S. acquired transactions when the issuer country is foreign for both international purchase and cash advance transactions except on a U.S. military base, embassy or consulate.

Pass Through

ACQUIRER PROCESSING FEE (APF) (VISA)

The APF, in the amount of $0.0195, will be applied on all Visa branded authorizations.

Pass Through

INTERNATIONAL ACQUIRER FEE (IAF) (VISA)

Only Visa International transactions will be assessed the 0.45% IAF fee.

Pass Through

ZERO FLOOR LIMIT FEE (VISA)

There will be a fee assessed for transactions in which a settled transaction can not be matched to an approved authorization. Ie; A merchant settles a transaction without a valid approval code (makes up an approval code), Visa will assess a $0.10 per occurrence. 

Pass Through

MISUSE OF AUTHORIZATION (VISA)

These fees are assessed on approved or partially-approved authorization transactions that cannot be matched to a clearing (settled) transaction or an authorization reversal.  Clearing must occur within 10 days of authorization for all merchant categories, with the exception of T&E segments, which must clear transactions within 20 days of authorization, regardless of the transaction date. Visa implemented this penalty fee to reduce the occurrence of "ghost authorizations" (authorizations that are approved but never cleared), as these can adversely impact a cardholder's open-to-buy, leading to increased declines and confusion at the point of sale. (Pass Through)

Pass Through

* If chargebacks exceed one percent (1.0%) of the sales transactions processed in any given month (calculated by dividing the number of chargebacks in any month by the number of sales during that month), you will pay an additional per-item charge established by us for processing such excessive chargebacks.

 
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BankCard USA Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA. Walnut Creek, CA. and U.S. Bankcorp, Minneapolis, MN.
American Express may require separate approval.

Maverick BankCard, Inc. under its trade name of Bankcard USA Merchant Services is a registered Service Provider for BMO Harris Bank N.A., Chicago, IL. FDIC Insured.

Copyright 2000-2011 Maverick BankCard Incorporated. All Rights Reserved.