Comments on: MasterCard adds a Network Access and Brand Usage Fee http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/ Merchant card processing or credit card processing tips, for large businesses and non-profits to lower the cost of payment processing. Advanced material for CFO\'s and controllers. Thu, 09 Sep 2010 15:37:59 +0000 http://wordpress.org/?v=2.5.1 By: Greg Patrick http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-431 Greg Patrick Sun, 28 Jun 2009 23:06:01 +0000 http://3dmerchant.com/blog/?p=145#comment-431 Does this apply to Mastercard debit cards used as a pin transaction, that go over the Maestro network? Does this apply to Mastercard debit cards used as a pin transaction, that go over the Maestro network?

]]> By: Amber Coakley http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-415 Amber Coakley Fri, 19 Jun 2009 19:37:04 +0000 http://3dmerchant.com/blog/?p=145#comment-415 Thanks for checking on this. Yes, I think that hard costs that apply to every transaction should be listed somewhere besides the processor's documents. When you get a notice that says Visa or MC has "announced" new fees...it raises an eyebrow when you can't find the announcement! Thanks again! Thanks for checking on this. Yes, I think that hard costs that apply to every transaction should be listed somewhere besides the processor’s documents. When you get a notice that says Visa or MC has “announced” new fees…it raises an eyebrow when you can’t find the announcement!

Thanks again!

]]> By: 3D merchant advisor http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-369 3D merchant advisor Tue, 02 Jun 2009 18:44:35 +0000 http://3dmerchant.com/blog/?p=145#comment-369 It's a great question Amber. It's not an interchange fee. Interchange fees can be managed and vary by card presented plus many other factors. The network fee cannot be managed or avoided. Different processors may have different hard costs. These costs are not published for the world to see. Per MasterCard, interchange rates are posted for merchants to see so that they can negotiate deals. If that's the case shouldn't a hard cost that applies to every transaction for every processor be posted too? The .0925% MasterCard dues and assessments fee does not appear on the interchange document either. Now the new fee is .0925% of dollar volume plus $.0185 per item. A "pass through cost plus" agreement should itemize specific fees that do not appear on the interchange document. All agreements include a clause to pass on Visa & Mastercard Association price changes. I actually looked to see if the fee would appear in some investor relations material before writing this article, but I didn't find a specific reference. It’s a great question Amber. It’s not an interchange fee.
Interchange fees can be managed and vary by card presented plus many other factors.

The network fee cannot be managed or avoided. Different processors may have different hard costs. These costs are not published for the world to see.

Per MasterCard, interchange rates are posted for merchants to see so that they can negotiate deals. If that’s the case shouldn’t a hard cost that applies to every transaction for every processor be posted too?

The .0925% MasterCard dues and assessments fee does not appear on the interchange document either. Now the new fee is .0925% of dollar volume plus $.0185 per item. A “pass through cost plus” agreement should itemize specific fees that do not appear on the interchange document. All agreements include a clause to pass on Visa & Mastercard Association price changes.

I actually looked to see if the fee would appear in some investor relations material before writing this article, but I didn’t find a specific reference.

]]> By: Amber Coakley http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-368 Amber Coakley Tue, 02 Jun 2009 17:45:15 +0000 http://3dmerchant.com/blog/?p=145#comment-368 I can't find the announcement about the NABU fee anywhere on the MC websites - that seems strange. Do you know where I can find this? It does not appear to be on their Interchange Rates document for April, 2009 either...? I can’t find the announcement about the NABU fee anywhere on the MC websites - that seems strange. Do you know where I can find this? It does not appear to be on their Interchange Rates document for April, 2009 either…?

]]> By: new Visa credit card processing fees 2009 | credit card processing http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-356 new Visa credit card processing fees 2009 | credit card processing Tue, 26 May 2009 19:37:36 +0000 http://3dmerchant.com/blog/?p=145#comment-356 [...] of where the issuer/cardholder is located. This fee will be effective July 1, 2009. This follows a MasterCard Network Access and Brand Usage Fee (NABU) of $.0185 for all U.S. issued transactions settled with MasterCard, announced in April [...] [...] of where the issuer/cardholder is located. This fee will be effective July 1, 2009. This follows a MasterCard Network Access and Brand Usage Fee (NABU) of $.0185 for all U.S. issued transactions settled with MasterCard, announced in April [...]

]]> By: 3dmerchant http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-306 3dmerchant Thu, 02 Apr 2009 22:22:13 +0000 http://3dmerchant.com/blog/?p=145#comment-306 This is on top of that. This is on top of that.

]]> By: Fred Jackson http://3dmerchant.com/blog/credit-card-processing-rates/mastercard-adds-a-network-access-and-brand-usage-fee/#comment-305 Fred Jackson Thu, 02 Apr 2009 19:32:35 +0000 http://3dmerchant.com/blog/?p=145#comment-305 Doed this replace the 0.0925% assessment fee or is it on top of this? Doed this replace the 0.0925% assessment fee or is it on top of this?

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