What does the merchant acquiring fee for sole proprietors depend on?

The acquiring fee depends on several factors: the company’s turnover, the number of points of sale, and the specifics of the business. The fee includes:

• Interchange fee (IRF);
• Payment system fees for card usage;
  
• Processing services;
  
• Equipment maintenance;
  
• Additional expenses.
  

The main part of the fee is the interchange fee (IRF), which the acquiring bank pays to the card-issuing bank. The amount of this fee depends on:

• Card category — the higher the card status (standard, gold, platinum), the higher the fee.
• Type of business activity (MCC) — different rates apply to different business sectors.
  
• Payment method — payment using a magnetic stripe is more expensive than a contactless transaction.