Merchant service charge

The merchant service charge (MSC) is a fee that retailers or merchants who accept Visa cards pay to their acquiring bank.

The MSC is set by negotiation between acquiring banks and merchants, and not by Visa. The fees you pay may reflect factors such as the level of risk in your industry sector and the acquirer's costs associated with handling retail accounts of different sizes.

In return for paying the MSC your acquiring bank will provide you with a range of services. These typically include:

  • Payment guarantee
  • Connectivity to the Visa network
  • Terminal hardware and software
  • Decals and signage
  • Customer support.

More information

For more information about the MSC please contact your acquiring bank.