What does the merchant acquiring fee depend on?

The rate is determined based on the company's turnover, the number of retail outlets, and the business sector.

The fee includes:

• interbank fee (IRF);
• payment system fee;
• processing services;
• POS terminal maintenance;
• additional expenses.

The main share is made up of the interbank fee. The acquiring bank transfers it to the bank that issued the customer's card. The rate is affected by:

• Card type. The higher the class of the payment instrument, the higher the fee.
• Business category (MCC code). Each industry has its own tariffs.
• Payment method. Magnetic stripe transactions are more expensive than chip payments or contactless transactions.