>Visa Fixed Acquirer Network Fee
Visa Fixed Acquirer Network Fee 2018-03-07T15:03:11+00:00

Visa Fixed Acquirer Network Fee

The Visa Fixed Acquirer Network Fee (FANF) is based on various factors; for merchants where the customer is present at the merchant’s point of sale the FANF is based on how many locations the merchant has and the MCC (Merchant Category Code) of the merchant. If the merchant accepts transactions where the customer is not present at the merchant’s point of sale, or if the merchant is a fast food restaurant, the Visa FANF is based on the merchant’s aggregated volume.

Nearly six years after the implementation of FANF, Visa has announced that it will be increasing rates for businesses that fall into select table 2 tiers, which are applicable to card-not-present businesses, businesses using self-checkout terminals (excluding auto fuel dispensers) and fast food restaurants. The increases will go into effect on April 1, 2018.

If your business falls into any of the table 2 tiers listed, expect to see an increase in pass-through fees come April 2018. Check your statement to confirm that you’re being charged the amount that Visa announced, as some providers practice unethical billing and will tack on their own markup to various fees.

Table 1a

If you are a high-volume MCC (see below) and the customer is present at the merchant’s point of sale, then the table below shows the Visa FANF per location per month that will be assessed starting in April 2015.

High-Volume MCC Merchants (Customer Present)

Tier Number of Locations As of April 1st, 2015
Price per Location per Month
As of April 1st, 2018
Price per Location per Month
1 1 $2.90 No Change
2 2 $2.90 No Change
3 3 $2.90 No Change
4 4 $4.00 No Change
5 5 $4.00 No Change
6 6 – 10 $4.00 No Change
7 11 – 20 $5.00 No Change
8 21 – 50 $5.00 No Change
9 51 – 100 $8.00 No Change
10 101 – 150 $12.00 No Change
11 151 – 200 $18.00 No Change
12 201 – 250 $25.00 No Change
13 251 – 500 $35.00 No Change
14 501 – 1000 $45.00 No Change
15 1,001 – 1,500 $55.00 No Change
16 1,501 – 2,000 $65.00 No Change
17 2,001 – 4,000 $75.00 No Change
18 >4,000 $85.00
(cap of 4,001 maximum
billable locations)
No Change
19 Less than or equal to $199.99 monthly gross volume (any number of locations) $0.00 No Change
20 Monthly gross sales volume greater than or equal to $200.00 but less than or equal to $1,249.99 (any number of locations) 15 Basis Points (0.15%) No Change
* Listed in the Fixed Acquirer Network Fee Reporting Guide

Table 1b

If the merchant is any other MCC where the customer is present at the merchant’s point of sale, then the Visa FANF is defined in the table below.

All Other MCC Merchants (Customer Present)

Tier Number of Locations As of April 1st, 2015
Price per Location per Month
As of April 1st, 2018
Price per Location per Month
1 1 $2.00 No Change
2 2 $2.00 No Change
3 3 $2.00 No Change
4 4 $2.90 No Change
5 5 $2.90 No Change
6 6 – 10 $2.90 No Change
7 11 – 20 $4.00 No Change
8 21 – 50 $4.00 No Change
9 51 – 100 $6.00 No Change
10 101 – 150 $8.00 No Change
11 151 – 200 $10.00 No Change
12 201 – 250 $14.00 No Change
13 251 – 500 $24.00 No Change
14 501 – 1000 $32.00 No Change
15 1,001 – 1,500 $40.00 No Change
16 1,501 – 2,000 $50.00 No Change
17 2,001 – 4,000 $60.00 No Change
18 >4,000 $65.00
(cap of 4,001 maximum
billable locations)
No Change
19 Less than or equal to $199.99 monthly gross sales volume (any number of locations) $0.00 No Change
20 Monthly gross sales volume greater than or equal to $200.00 but less than or equal to $1,249.99 (any number of locations) 15 basis points (0.15%) No Change

Table 2

If the merchant accepts cards where the customer is not present at the merchant’s point of sale or the merchant is a fast food restaurant or aggregator, the Visa FANF is assessed based on monthly processing volume and the following table defines the Visa FANF that will be applied on a monthly basis.

Customer Not Present, Unattended Terminals and Fast Food Restaurants

Tier Monthly Gross Sales Volume As of April 1st, 2015
Fee per Month
As of April 1st, 2018
Fee per Month
1 Less than or equal to $199.99 $0.00 No Change
2 $200.00-$1,249.99 15 basis points (0.15%) No Change
3 $1,250.00-$3,999.99 $7.00 No Change
4 $4,000.00-$7,999.99 $9.00 No Change
5 $8,000.00-$39,999.99 $15.00 No Change
6 $40,000.00-$199,999.99 $45.00 No Change
7 $200,000.00-$799,999.99 $120.00 $160.00
8 $800,000.00-$1,999,999.99 $350.00 $450.00
9 $2,000,000.00-$3,999,999.99 $700.00 $1,000.00
10 $4,000,000.00-$7,999,999.99 $1,500.00 $2,000.00
11 $8,000,000.00-$19,999,999.99 $3,500.00 $4,000.00
12 $20,000,000.00-$39,999,999.99 $7,000.00 $8,000.00
13 $40,000,000.00-$79,999,999.99 $15,000.00 $16,000.00
14 $80,000,000.00-$399,999,999.99 $30,000.00 $45,000.00
15 Greater than or equal to $400,000,000.00 $40,000.00 $70,000.00


High-volume MCCs:
 For the purposes of the Fixed Acquirer Network Fee, merchants with ≥ 50% of monthly Customer Present Sales Volume in the following MCCs are defined as high-volume merchants:

MCC(s) Description
3000 – 3299, 4511 Airlines
3300 – 3499, 7512 Auto Rental
3500 – 3999, 7011 Lodging
4411 Steamship / Cruise Lines
4829 Wire Transfer Money Order
5200 Home Supply Warehouse Stores
5300 Wholesale Clubs
5309 Duty Free Stores
5310 Discount Stores
5311 Department Stores
5411 Grocery Stores and Supermarkets
5511 Car and Truck Dealers / New / Used
5532 Automotive Tire Stores
5541 Service Stations (With or Without Ancillary Services)
5542 Automated Fuel Dispensers
5651 Family Clothing Stores
5655 Sports / Riding Apparel Stores
5712 Furniture / Equipment Stores
5732 Electronic Stores
5912 Drugstores and Pharmacies
5943 Stationery Stores
7012 Timeshares
7832 Motion Picture Theaters