Many processors separate international fees from your normal interchange fees on your statement, but if they don’t you can estimate that any international transaction will cost you between 2-3% plus whatever your payment processor normally charges per transaction. ISA fees are charged when an international transaction occurs, regardless of the circumstances. This isn’t based on a per-country rate, per transaction rate, or per business rate. Visa and other cardmember associations/issuing banks set the rates, and they are the same for everyone. While interchange rates are always charged on international transactions and range between 1-2%, international service fees are additional fees on top of the interchange rates. MasterCard, Discover, and American Express have similar international fees. ![]() What is an ISA fee?Īn International service assessment (ISA) fee is a processing fee charged by Visa to merchants whenever a customer chooses to use a credit or debit card issued by a bank outside of the United States. Ranging between under half a percent to over a percent, these fees can really add up - especially when stacked on top of other interchange and processing fees. These fees are also known as international fees or international transaction fees, and the name and rate attached to these fees change according to the card issuer. One of the best things you can do as a business owner is to understand why processing fees are charged and when, and a common fee that often comes as a surprise is what Visa calls an international assessment fee or ISA fee. ![]() Where are all these annoying fees coming from? Why are they so high this month compared to last month? What can you do about it? You open up your processing statement for the month, only to find it is much higher than you thought it would be.
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