Complete fee schedule (Card Program Terms)

Summary: fees fall into five groups — transaction processing, declines, disputes, account maintenance, and funding. Most are charged automatically against the Card Account balance and deducted from the available funds at the time they're incurred.

Applies regardless of decline cause — insufficient funds, prohibited MCC, or the 95% balance policy all count.

The chargeback fee is non-refundable and applies whether the dispute is accepted, rejected, or withdrawn — including 3DS-authenticated transactions that get auto-declined as a dispute outcome. The decline abuse fee is a separate risk-monitoring trigger: low balance combined with a high decline rate on a single card can result in the card being terminated as well as fee assessment.

Maintenance fees are deducted automatically if balance allows; if available balance is below the fee amount, only the remaining balance is deducted — this never creates a negative balance or extends credit. A card sitting at zero balance for 21 continuous days may be permanently closed.

Modeling cost for a specific use case?

We can help you estimate fee exposure based on your expected transaction mix.