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Additional fees passed through by credit card companies

In addition to the processing fees charged by AffiniPay to merchants who use Wild Apricot Payments, AffiniPay is required to pass on any additional transaction fees charged by credit card companies – VISA, MasterCard, Discover, and American Express.

These fees differ by credit card and are listed below. For a more detailed description of the fees, click here.

The term cross-border payments refers to payments received from cardholders based outside the seller's country (e.g. a US-based organization receiving payments from a Canadian cardholder, or vice versa).

Visa

  • $2.00/month Fixed Acquirer Network Fee (waived for 501(c)(3) non-profits
  • 0.8% International Sales Assessment Fee (for cross-border payments)
  • 0.45% Visa International Acquirer Fee (for cross-border payments)  
Normal scenario: 2.9% + $0.3/transaction, plus monthly Fixed Acquirer Network Fee (if applicable)
Worst-case scenario:  4.15% + $0.3/transaction involving residents outside the seller's country, plus monthly Fixed Acquirer Network Fee (if applicable)

MasterCard

  • $1.25/month Merchant Location Fee (waived for 501(c)(3) non-profits
  • 0.6% MasterCard Cross Border Fee (for cross-border payments)
  • 0.85% MasterCard Acquirer Program Support Fee (for cross-border payments)
Normal scenario: 2.9% + $0.3/transaction, plus monthly Merchant Location Fee (if applicable)
Worst-case scenario:  4.35% + $0.3/transaction involving residents outside the seller's country, plus monthly Merchant Location Fee (if applicable)

Discover 

  • 0.5% International Processing Fee (for cross-border payments)
  • 0.8% International Service Fee (for cross-border payments)
Normal scenario: 2.9% + $0.3/transaction
Worst-case scenario:  4.2% + $0.3/transaction involving residents outside the seller's country.

American Express

  • 0.15% Network Processing Fee
  • 0.3% Card Not Present Fee (when entering credit card details online)
  • 0.4% International Card Fee (for cross-border payments)
Normal scenario (US cardholders): 3.35% + $0.30/transaction
Worst-case scenario (non-US cardholders): 3.75% + $0.30/transaction for online transactions involving residents outside the seller's country.

AffiniPay vs. Paypal extra fees

  • AffiniPay passed on Visa's Fixed Acquirer Network Fee, but doesn’t charge for transferring money to your bank account. Paypal does the opposite.

  • AffiniPay’s cross-border fees are lower than PayPal’s (1.45% compared to PayPal’s 1.5%)

 


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