What does the acquiring fee depend on?

The acquiring fee is calculated individually and depends on the company's turnover, the number of retail outlets, and the type of business activity.

The fee includes:

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

The largest share of the total fee is IRF. This is the amount that the acquiring bank transfers to the bank that issued the card. Its amount depends on:

• card category: the fee for a gold or platinum card is higher than for a standard card;
• type of business activity of the retail outlet (MCC): different rates apply to different sectors;
  
• payment method: magnetic stripe transactions are more expensive than contactless and chip transactions.