Are Scheme Fees Really Non-Negotiable?

Many merchants view the scheme fee component of their Merchant Service Charge as a ‘pass-through’ cost – an inevitable byproduct of accepting card payments that is consistent across merchants and acquirers.

But the reality is far more complicated; differences in system capabilities, FX calculations, tiering and more can introduce significant variation in the final invoices merchants pay. In this infographic, we lift the lid on why your scheme fee costs might look nothing like a competitor’s – and what you can do about it.