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Visa uses interchange reimbursement fees as transfer fees between acquiring banks and issuing banks for each Visa card transaction. Visa uses these fees to balance and grow the payment system for the benefit of all participants. 

Merchants do not pay interchange reimbursement fees—merchants negotiate and pay a “merchant discount” to their financial institution that is typically calculated as a percentage per transaction. Merchants can receive a variety of processing services from financial institutions that may be included   in their merchant discount rate.

Visa rules + regulations

How we run our business.

Visa core rules and Visa product and service rules applicable to financial institutions participating in the Visa network.

Merchant Credit Surcharging

 

Visa uses interchange reimbursement fees as transfer fees between acquiring banks and issuing banks

Learn more about card surcharge fees.

 

Before you start

Merchants must notify Visa and their acquirer 30 days before they begin surcharging

Surcharge considerations

Factors you should take into account when considering surcharges. 

 

How to disclose surcharging

Get sample signs to help inform customers about surcharging.