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Merchant Fees for Accepting Credit or Debit Cards

Credit card transaction

See a list of fees associated with being a merchant.

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Interchange Rate Fee

The Interchange Rate Fee is a monthly sum paid by merchants to the cardholder’s issuance bank and collected by the university’s merchant processor as a fee for accepting credit/ debit cards. The rate will vary depending on a series of elements: the card brand (MasterCard, Visa, American Express, or Discover), the type of credit/debit card (Rewards, Signature, Corporate, etc.), time between authorization and clearing, processing type (online, swipe terminal, phone order, etc.), a merchant's sales and transaction volume, plus additional criteria. Each transaction is evaluated separately; therefore, various interchange fee rates may apply.  

Service/ Discount Fee

The Service/ Discount Fee is a monthly sum paid by merchants to the university’s merchant processor as a fee for providing services and accepting credit/ debit card payments. Rates will vary depending on a series of elements such as the criteria for the Interchange Rate Fee.  

Equipment Fee

The Equipment Fee applies to merchants who prefer to rent their swipe terminal(s). Currently, a monthly rental fee of $36 is assessed for terminal model FD130 and PIN PAD FD35. Prices may vary depending on the model and quantity. Refer to Equipment Resources for more details. 

PCI DSS Certification/ Validation Fee

The PCI DSS Certification/ Validation Fee is the cost associated with obtaining certification/ validation of compliance. This fee is determined when a merchant is enrolled in the University’s QSA/ASV tracking and attestation tool. Additional cost may apply to merchants who need additional assistance to comply with PCI DSS requirements. All related fees are charged to the merchant’s account.

Refer to the PCI DSS page for details related on compliance requirements.   

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