Guides
Guides to scheme fees
Plain explanations of what Visa and Mastercard charge card issuers, and how to check it yourself.
How to read a Mastercard scheme fee invoice
Where to find the invoice, what billing events, service codes and ICAs mean, and a routine to check every line.
How to read a Visa scheme fee invoice
How Visa bills by Business ID, what a billing line carries, and how to check the charges and your incentive credits.
Scheme fees, interchange and processing fees: what a card issuer pays
The three fee flows on every card transaction, seen from the issuer: who pays, who receives, who sets the price.
Optional scheme services that keep billing, and how to stop them
How reports, tools and subscriptions stay on your Visa and Mastercard invoices, and how to cancel the ones you no longer use.
Dormant BINs and ICAs: why they still cost money and how to retire them
Why card ranges with no traffic keep billing scheme fees, how to find them, and a checklist to retire one safely.
Written by our experts in payments and scheme fees, from how scheme billing commonly works. In the US, scheme fees are called network fees: these guides cover both.
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