Scheme Fee Analyzer

Break down Visa and Mastercard scheme fees for acquirers and large merchants — assessment fees, FANF (Fixed Acquirer Network Fee), cross-border fees, NABU/NAPF — so finance teams can model and benchmark their total scheme cost.

Scheme fee schedules are based on published Visa/Mastercard US interchange and fee documentation (effective 2025–2026). Actual fees depend on your processor contract, programme type, and regulatory jurisdiction. Always verify with your scheme and acquirer.

Card Economics Visa · Mastercard Zero PII Client-Side

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Volume & Geography

Monthly Card Volume (USD)

Geography / Regulatory Basis

Acquirer Tier

Card Network Mix = 100%

Visa %

60%

Mastercard %

40%

Card Type Mix = 100%

Credit %

55%

Debit %

35%

Commercial / Corporate %

10%

Domestic vs Cross-border Mix = 100%

Domestic %

75%

Intra-EU / Regional %

10%

International %

15%

Total Monthly Scheme Fees

—

— bps of volume

Annual Estimate

—

×12 monthly run-rate

% of Monthly Volume

—

Industry benchmark: 0.10–0.18%

Visa vs Mastercard — Total Monthly Fees ($)

Fee Category Breakdown

Fee Line-Item Breakdown

Fee Type	Network	$ / Month	Basis	Bps

Industry Benchmarks

Typical scheme fee range for acquirers/large merchants (US basis, 2025–2026 published rates). Midpoint ~0.14%.

Your rate

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          0.00%Low 0.10%Mid 0.14%High 0.18%0.25%
        

Sources: Visa 2025 US Fee Guide; Mastercard 2025 US Acquiring Fee Schedule. Benchmark range from published industry analysis (2025). Actual fees vary by programme, processor contract, and volume tier.