A card scheme fee transaction may include any number of charges, including variable fees or fixed fees not related to the transaction. Fees vary depending on the type of card, acceptance method and geographical location. Fixed fees depend on the card scheme service used and volume processing.

Roughly, the card scheme fee is one percent of the value of each transaction (approximately 0.02% for Visa and 0.04% for MasterCard).

Card scheme fee is different from interchange fee. An exchange fee is a transaction fee acquired by the issuer through a bank account (merchant’s account) whenever the customer uses a card to pay for a transaction. An exchange fee includes a handling fee and about 300 individual charges that are usually changed once a year.