What fees are on my merchant statement?
Your merchant statement typically includes three kinds of fees: payment network and association fees, interchange and payment solutions fees, and equipment and service fees.
On this page
What fees are on my statement?
| Fee type | Who charges it and what it covers |
|---|---|
| Payment Network and Association Fees | Charged by the payment networks, such as Visa, Mastercard, American Express or Discover. |
| Interchange and Payment Solutions Fees | Interchange fees are charged by the issuing bank (the bank that gave your customer their card). Payment solutions fees are charged by the processor for processing your transactions. |
| Equipment and Service Fees | Fees for equipment and services, such as the monthly statement fee, PCI fee (for card data security compliance), and terminal or gateway monthly fee. |
Where can I learn more?
- Learn more about credit card processing pricing structures
- Learn about the difference between net deposits (daily discount) and gross deposits
Updated November 2, 2026
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