Network Fee Codes
Last updated: January 6, 2026
Code | Description | Rate | Detailed Descriptions |
VCA | Visa credit assessment | 0.14% | Charged on all settled Visa Purchases using a credit card |
VDA | Visa debit assessment | 0.13% | Charged on all settled Visa Purchases using a debit card |
VDBA | Visa debit assessment | 0.13% | Charged on all settled Visa Purchases using a debit card |
VDCF | Visa Digital Commerce Services Fee | 0.01% | Charged on all settled Visa Purchases using a debit card (minimum of $0.0075) |
VDF | Visa domestic disbursement fee | 0.10% | 0.10% BAI=FD/PD. 0.025% BAI=PP/AA w/ $0.25 cap per Disbursement |
VDIS | Visa domestic disbursement fee | 0.10% | 0.10% BAI=FD/PD. 0.025% BAI=PP/AA w/ $0.25 cap per Disbursement |
VNAPFC | Visa authorization Fee - Credit | $0.020 | Charged on all Visa authorizations using a US credit card |
VNAPFCI | Visa authorization Fee - Credit International | $0.040 | Charged on all Visa authorizations using a non-US credit card |
VNAPF | Visa authorization Fee - Debit | $0.016 | Charged on all Visa authorizations using a US debit card |
VNAPFD | Visa authorization Fee - Debit | $0.016 | Charged on all Visa authorizations using a US debit card |
VNAPFDI | Visa authorization Fee - Debit International | $0.036 | Charged on all Visa authorizations using a non-US debit card |
VXBF | Visa Intl service fee + Int Acq. Fee | 1.45% | Charged on all settled Visa Purchases using a non-US card |
VAVSC | Visa AVS credit | $0.040 | Charged on all standalone account verification requests with a Visa credit card |
VAVSD | Visa AVS debit | $0.030 | Charged on all standalone account verification requests with a Visa debit card |
VANI | Visa ANI fee | $0.100 | Charged when match is performed. |
VAVSI | Visa AVS - Int card | $0.070 | Charged on all standalone account verification requests with a non-US card |
VEXS | Visa Excessive Retry | $0.100 | Merchant attempts to authorize a transaction that had previously received a Category 1 decline |
VEXS | Visa Excessive Retry – International | $0.150 | Merchant attempts to authorize a transaction that had previously received a Category 1 decline |
VPAVS | Visa AVS Service Fee | $0.000 | Charged on all CNP auth requests and 0 amount account verifications where AVS is not requested |
VTIF | Visa Integrity Fee | $0.100 | Charged on all Visa ecommerce and MOTO transactions without use of address/zip |
VDTR | Visa Decline Transaction Resubmission | $0.100 | Charged on the 16th+ consecutive cat 2-4 error or 2nd+ cat 1 error within 30 days on US card |
VDTRX | Visa Decline Transaction Resubmission - non-US issuer | $0.150 | Charged on the 16th+ consecutive cat 2-4 error or 2nd+ cat 1 error within 30 days on non-US card |
VBII | Visa Report Line Fee | $0.002 | Charged on all authorized Visa transactions - Purchases, Reversals, Disbursements, Chargebacks, Representments |
VSNAF | Visa Report Line Fee | $0.002 | Charged on all authorized Visa transactions - Purchases, Reversals, Disbursements, Chargebacks, Representments |
VGWY | Visa gateway fee for non-Visa networks | $0.030 | Charged on all authorizations sent through Visa to a non-Visa card |
VFANF | Visa Fixed acquirer network fee | Varies | Charged monthly on settled Visa Purchase $s |
VKBF | Visa File Transmission Fee | $0.00 | Charged on all settled Visa transactions |
VUPDT | Visa Account Updater | $0.12 | Visa Account Updater - fee per account matched |
VHIRF | Visa High Integrity Risk Fees | $0.10/Txn + 0.10% | Fee for each CNP transaction processed for telemarketing, dating services, and gambling (betting, lottery tickets, casino gaming chips). |
CVV2F | Card Verification Value 2 Fee | $0.002825 per Match/No Match result | Card Verification Value 2 (CVV2) fee when it yields a match/no match. |
VISA+ | All card types for VISA+ | $0.1 + 0.025 | Charged on all successful Visa+ transactions, capped at $0.25. |
VCOM | Visa Commercial Fee | 0.01% | Charged on all settled Visa Purchases using a commercial card |
MAS | Mastercard Assessment | 0.13% | Charged on all settled Mastercard Debit and Credit Purchases |
MASAS | Mastercard Assessment | 0.14% | Charged on all settled Mastercard Debit and Credit Purchases |
MAS1k | Mastercard Assessment >=$1k | 0.15% | Additional amount charged on all settled Mastercard Purchases >= $1,000 USD |
MASAS1k | Mastercard Assessment >=$1k | 0.15% | Additional amount charged on all settled Mastercard Purchases >= $1,000 USD |
MDEF | Mastercard digital enablement fee | 0.02% | 0.02% of Purchase w/ floor of $0.02 and cap of $0.20 |
MCDEF | Mastercard Digital Enablement >=$100 | 0.02% | Charged on all settled Mastercard Purchase authorizations, success or failure, except response code 51 (NSF). Capped at $0.40 ≥$1k |
MCDEF | Mastercard Digital Enablement | $0.02 | Charged on all settled Mastercard Purchase authorizations, success or failure, except response code 51 (NSF). |
MPOS | Mastercard Maestro Fee | $0.03 | Charged on all settled Mastercard transaction routed through Maestro |
MNABU | Mastercard Net Access Brand Usage | $0.02 | Charged on all Mastercard Authorizations. Non-domestic US are $0.0295 |
MALF | Mastercard acq license fee | 0.01% | Charged on all settled Mastercard Purchases |
MPAVS | Mastercard AVS authorization | $0.01 | Charged for each non-$0 authorization where the cardholder's address and/or zip is used |
MARF | Mastercard reversal fee | $0.01 | Charged on all Purchase reversals |
MCXBF | Mastercard cross border fee | 1.45% | Charged on all settled Purchases where the card is issued outside the US |
MEXS | Mastercard Excessive Retries | $0.30 | Charged after receiving 35 declines on the same card within a 30 day period or 10 declines in a 24 hour period. Will be $0.50 in 2025. |
MEXS | Mastercard Decline Reason | $0.02 | Charged on cnp auth requests decline with a response text or merchant advice code |
MCAVSI | Mastercard AVS - Intl card | $0.03 | Charged on all standalone AVS requests on a non-US card |
MCEXC | Mastercard excessive authorizations | $0.10 | Charged on the 21st failed Purchase attempt in a 24-hour period |
MC3DS | Mastercard 3DS 2.0 attempts | 0.01% | Charged on all MC authorized amounts using 3ds 2.0 - $0.10 cap |
MCLOC | Mastercard Location fee | $1.25 | Charged on all merchant locations and URLs |
MKBF | Mastercard KB Access Fee | $0.00 | Charged on all Mastercard Authorizations |
MUPDT | Mastercard Account Updater | $0.13 | Mastercard Account Updater - per/Updated account |
MEXS | Excessive Auth Integrity Fee | $0.15 | Charged on retries beyond 35 times in a 30 day period. Fee will increase to $0.30 on 1/1/2024 and $0.50 on 1/1/2025 |
MASI | Mastercard ASI Fee | $0.03 | Charged on all settled Mastercard Account Status Inquiries |
MMNF | MoneySend disbursement (domestic) fee 0.15%+$0.10 w/ $0.35 cap per Disbursement. xb is 70 bps capped at $3.20+$0.55 | 0.15%+$0.10 | 0.15%+$0.10 w/ $0.35 cap per Disbursement. xb is 70 bps capped at $3.20+$0.55 |
MMNF | Disbursement Fee | $0.15 | Charged on all settled Mastercard Disbursements (MoneySend) to a Cad card |
MDF | Disbursement Fee | $0.15 | Charged on all settled Mastercard Disbursements (MoneySend) to a Cad card |
MMNFI | XB Disbursement Fee | $0.55 + 70bps | Charged on all settled Mastercard Disbursements (MoneySend) to a non-Cad card. Capped at $3.75 |
MKBF | Mastercard KB Access Fee | $0.00 | Charged on all Mastercard Authorizations |