What does the merchant acquiring fee for vending and coffee machines depend on?

The acquiring fee is determined based on several factors: the company's turnover, the number of retail outlets, and the business sector.

The total fee consists of:

• interbank fee (IRF);
• payment system fees for card use;
• processing services;
• equipment maintenance costs;
• other expenses.

The main part of the acquiring fee is the interbank fee (IRF). The acquiring bank transfers it to the bank that issued the card. The amount of the fee depends on several parameters:

• card type: the higher the card tier, the higher the fee.
• business sector (MCC): different rates apply to different types of business;
• payment method: magnetic stripe transactions are more expensive than contactless payments.