What Are Non-Transactional Scheme Fees?
Non-transactional scheme fees are not tied to individual transactions but are billed periodically, typically 1–2 months after the relevant activity. Examples include Visa Fixed Acquirer Network Fee and Mastercard Merchant Location Fee.
These fees are often fixed or based on account characteristics such as the number of merchant locations, monthly sales volume, or Merchant Category Codes (MCCs). Merchants benefit from tracking these fees because they are predictable, but can accumulate for multi-location operations. Furthermore, they are reported post-factum as adjustments on the settlement payouts, which might have quite an impact on the financial cash flow.
Understanding these fees helps with budgeting, avoiding unexpected invoice spikes, and ensuring compliance with network rules.
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