Acquiring
Nätverksavgift
Avgifter som tas ut av Visa och Mastercard (eller ett annat nätverk) till inlösare och utfärdare för varje transaktion.
Scheme fees represent the service charges levied by card networks such as Visa and Mastercard to facilitate transaction processing and maintain the network infrastructure. Unlike interchange, which is paid to the issuing bank, scheme fees are collected by the card associations to cover operational costs, brand development, and technical maintenance. These fees are structured through complex rate tables and may include fixed per-transaction components alongside ad-valorem percentages based on transaction volume. Common components include processing fees, cross-border surcharges, and integrity fees triggered by certain technical behaviours like excessive authorisation requests or failing to use 3D Secure where required. For merchants on an Interchange Plus Plus (IC++) pricing model, these costs are passed through transparently, whereas blended pricing models aggregate them into a single rate. Regulators like the European Commission often monitor these fees to ensure they do not circumvent interchange fee caps, though scheme fees themselves are generally not subject to the same statutory limits as interchange.
Vanligt förekommande
How do scheme fees differ from interchange fees?
Interchange fees are paid by the acquirer to the cardholder's issuing bank to cover the costs of credit risk and card issuance. In contrast, scheme fees are paid directly to the network provider, such as Visa or Mastercard, for the use of their proprietary payment rails and brand services.
Why might scheme fees fluctuate for the same transaction volume?
Scheme fees are influenced by several variables including the geographic location of the issuer, the card type used, and specific technical compliance. Networks frequently update their fee schedules in April and October, potentially introducing new costs for specific transaction characteristics like lack of SCA or cross-border processing.
Relaterade termer
Avgiften som inlösaren betalar till utfärdaren för varje korttransaktion, fastställd av nätverken.
Transparent prissättningsmodell för inlösare som vidarebefordrar interchange- och nätverksavgifter till självkostnadspris med ett fast påslag från processorn.
En enda fast avgift (t.ex. 2,9 % + 30¢) som tas ut på alla korttransaktioner oavsett underliggande interchange.
Redo för fart?
Berätta om ditt företag. Vi matchar dig med rätt inlösenpartners och rätt rutt, vanligtvis inom en vecka.