How is the merchant acquiring fee calculated?

The fee amount is determined taking into account business turnover, the number of retail outlets, and the specifics of the business activity.

The fee includes:

• interchange fee (IRF);
• payment system fees;
• processing services;
• equipment maintenance;
• additional expenses.

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

• Card category. The higher the card status, the higher the fee.
• Type of business activity. Different industries have their own tariffs.
• Payment method. Magnetic stripe transactions cost more than contactless payments.