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To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. When combined with the interchange fee, merchants refer to the total as a swipe fee. This fee is based on monthly sales, not per transaction. Assessment FeesĪssessment fees are fees paid directly to the credit card network so that the merchant can use certain credit cards. This is how a processor makes its money since it gets none of the interchange fees. Merchant services fees include monthly fees, per-transaction fees, equipment lease fees and statement fees. The merchant services processor, also called a payment processor, can also charge a fee to facilitate the transaction. For example, credit card companies may charge higher interchange fees for online purchases since fraud is a bigger problem with these types of transactions. Fees may vary based on the type of card being used, the amount of the transaction and the industry the business is in. The interchange fee is a payment made directly to the card issuer for the swiped transaction.

There are multiple types of fees associated with each transaction, and fees can vary depending on the type of credit card accepted.

Credit card processing fees are the fees that a business must pay every time it accepts a credit card payment.