Often on merchant services or credit card processing statements, you will see a slew of mysterious and cryptic fees. These are known as Card Brand Fees or Card Association Fees. These are the fees that are paid back to Visa, MasterCard, Discover, or American Express. Depending on your merchant services statement, they can appear as different things, but are often labeled NABU fees (Network Access and Brand Usage Fees).
Interchange fees are split up between some of the money going to the card-issuing bank – like Chase or Bank of America – while the rest of the fees go to the card brand. Like all interchange fees, the card brand fees are not charged by Gravity Payments or any credit card processing company, but by the banks and card brands themselves. The credit card processor only collects the fees and passes them through to the card brand and bank.
0.13% of credit card volume and $0.0195/transaction. For a $100 credit sale, Visa takes about 15 cents.