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What is NPF?

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The Visa Network Participation Fee / Fixed Acquirer Network Fee applies to all settled (batched out) U.S issued Visa credit card and Visa debit card transactions processed by a U.S. based merchant.
The fee will be billed on one line item and one amount on the merchant’s month end statement with a descriptor of “Visa NPF” for TSYS merchants.
The fee amount will vary from merchant to merchant and is calculated by Visa based on a number of factors including:

  • Number of Tax ID’s
  • Card Present vs. Card Not Present
  • Merchant Category Codes (MCC)
  • Number of Locations
  • Visa Gross Monthly Sales Volume


If a merchant does not process any Visa cards during the month, a minimum fee of $3.00 is still charged to the merchant.

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