# Scheme fee adjustments Scheme fee adjustments are fees that are not always associated with specific transactions and are typically charged by the scheme on a monthly basis. These fees can vary depending on your location and monthly volume. You can see the scheme fees you've been charged in your [invoice](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/invoices.md) and [Fee Summary Report](https://www.checkout.com/docs/funds-management/retrieve-financial-reports/fee-summary-report.md). --- ## Visa Fixed Acquirer Network Fee - Adjustment reason – Non-transactional and tiered - Frequency – Monthly - Applicable regions – United States The Visa Fixed Acquirer Network Fee (FANF) is charged based on your total transaction value in USD each month. For example, if your monthly transaction volume is 85 million USD, this falls within the 80,000,000 USD – 399,999,999.99 USD tier, and the FANF is 45,000 USD. | Monthly transaction volume (USD) | Monthly fee (USD) | | --- | --- | | 199.99 or less | 0 | | 200 – 1,249.99 | 0.15 % of transaction volume | | 1,250 – 3,999.99 | 7 | | 4,000 – 7,999.99 | 9 | | 8,000 – 39,999.99 | 15 | | 40,000 – 199,999.99 | 45 | | 200,000 - 799,999.99 | 160 | | 800,000 – 1,999,999.99 | 450 | | 2,000,000 – 3,999,999.99 | 1,000 | | 4,000,000 – 7,999,999.99 | 2,000 | | 8,000,000 – 19,999,999.99 | 4,000 | | 20,000,000 – 39,999,999.99 | 8,000 | | 40,000,000 – 79,999,999.99 | 16,000 | | 80,000,000 – 399,999,999.99 | 45,000 | | 400,000,000 or more | 70,000 | --- ## Visa System Integrity Fee Category 1 - Issuer Will Never Approve - Adjustment reason – Based on transaction history - Frequency – Monthly - Applicable regions – Global Visa charges a System Integrity Fee when you retry an authorization after an authorization request or account verification was declined with a [category 1 response code](https://www.checkout.com/docs/developer-resources/codes/visa-response-codes.md#Category_1:_Issuer_will_never_approve). This response code category means the issuer will never approve the transaction. | Region | Fee per retry (USD) | | --- | --- | | Domestic | 0.10 | | Europe intra-regional | 0.10 | | International | 0.15 | See [recommendations on reducing this fee](https://support.checkout.com/hc/en-us/articles/23371721530258). --- ## Visa System Integrity Fee Category 2 - Excessive Decline Reattempts - Adjustment reason – Based on transaction history - Frequency – Monthly - Applicable regions – Global A [category 2 response code](https://www.checkout.com/docs/developer-resources/codes/visa-response-codes.md#Category_2:_Issuer_cannot_approve_at_this_time) means that the issuer may approve the transaction, but cannot do so at that time. You can retry these transactions 15 times in a 30-day period. If you retry an authorization beyond this limit, Visa charges you a fee for the 16th and each subsequent retry. | Region | Fee per retry (USD) | | --- | --- | | Domestic | 0.10 | | Europe intra-regional | 0.10 | | International | 0.15 | See [recommendations on reducing this fee](https://support.checkout.com/hc/en-us/articles/26059432988050). --- ## Visa System Integrity Fee Category 3 – Data Quality - Adjustment reason – Based on transaction history - Frequency – Monthly - Applicable regions – Global If you have more than 25,000 card-not-present declines with a [category 3 response code](https://www.checkout.com/docs/developer-resources/codes/visa-response-codes.md#Category_3:_Issuer_cannot_approve_based_on_details_provided) within a 30-day period, Visa charges this fee on every subsequent transaction at the Card Acceptor ID level. This response code category means that the issuer cannot approve the transaction with the details you provided. You must implement data quality controls to ensure accurate authorization requests. If you receive a data quality response code, revalidate the data before retrying authorization. | Region | Fee per retry (USD) | | --- | --- | | Domestic | 0.10 | | Europe intra-regional | 0.10 | | International | 0.15 | See [recommendations on reducing this fee](https://support.checkout.com/hc/en-us/articles/26075864162962). --- ## Visa Digital Credential Updater Fee - Adjustment reason – Based on transaction history - Frequency – Monthly - Applicable regions – Global The Visa digital credential updater (VDCU) is an optional service that offers access to token-lifecycle events, such as credential updates (for example, new PAN or expiry date) and token updates (for example, deletion, deactivation, and reactivation). This ensures that cardholders' payment credentials are up to date, leading to better authorization rates. Visa charges this fee the first time you use the token after a credentials update. For example, a new PAN or expiry date. | Region | Fee per retry (USD) | | --- | --- | | Canada | 0.09 | | All other regions | 0.12 | --- ## Mastercard Merchant Advice Code Fee - Adjustment reason – Based on transaction history - Frequency – Monthly - Applicable regions – Asia-Pacific, Canada, Europe, United Arab Emirates, United States To reduce unnecessary authorizations, Mastercard charges a fee when you retry an authorization within 30 days of receiving one of the following [Merchant Advice Code](https://www.checkout.com/docs/developer-resources/codes/recommendation-codes.md#Mastercard_merchant_advice_codes) responses: - `03` – Do not try again (for example, account closed) - `21` – Payment cancellation (for example, customer cancelled a recurring payment) | Region | Fee per retry | | --- | --- | | Asia-Pacific | 0.50 USD | | Canada | 0.50 USD | | Europe | 0.55 EUR | | United Arab Emirates | 0.65 USD | | United States | 0.03 USD | See [recommendations on reducing this fee](https://support.checkout.com/hc/en-us/articles/26080112749202). --- ## Mastercard Excessive Authorization Fee - Adjustment reason – Based on transaction history - Frequency – Monthly - Applicable regions – Asia-Pacific, Canada, Europe, United Arab Emirates, United States Mastercard charges a fee if you retry an authorization after one of the following: - More than 10 previously declined attempts within 24 hours - More than 35 previously declined attempts within a rolling 30-day period | Region | Fee per retry | | --- | --- | | Asia-Pacific | 0.50 USD | | Canada | 0.50 USD | | Europe | 0.55 EUR | | United Arab Emirates | 0.55 USD | | United States | 0.50 USD | See [recommendations on reducing this fee](https://support.checkout.com/hc/en-us/articles/26080553733010).