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Fees Listed On Agreement Form - US

If you look through your agreement you will see some other fees that may have not been mentioned during your sales call or mentioned on the website. These fees are mostly per occurrence or one-time fees and are generally quite rare. For more information pertaining to each of these charges, please continue reading:

Debit Fee: We do not charge this fee.

Monthly Service Fee: This is one of the only monthly fees you will see. This fee covers the following:

  • Certified Merchant Account
  • PCI Compliance Program
  • 24/7 Telephone Tech Support
  • Online Reporting
  • 2 Day Bank Deposits
  • Complimentary Virtual Terminal
  • Complimentary Mobile App

Chargeback Fee: A chargeback (or retrieval) fee applies when a cardholder or issuing bank disputes a transaction. You are provided the opportunity to address the dispute with a written response and documentation. The merchant account provider mediates the dispute with the issuing bank and charges this fee to do so.


Dial Communication: This fee is charged when the terminal is operating through a phone line instead of ethernet.


Account Maintenance Fee: This fee is charged when you want to change the banking information (Direct Deposit Account – DDA) attached to your merchant account, or the doing-business-as (DBA) name as it appears on your receipts.


Voice Touch Authorization Fee: Voice authorization is a type of authorization system set by payment processors wherein a touch tone system authorizes a payments transaction. In the event a merchant’s POS machine is unable to verify the credentials electronically, a merchant can call into their provider’s voice authorization center. This can happen when a transaction is too large, for example.  The number is on the back of each terminal.


Monthly Association Compliance Fee: We do not charge this fee.


NSF Fee: This fee is billed when funds are not available in the direct deposit account (DDA) account. It can occur for a chargeback or for end of the month billing.


Wireless Monthly Fee: This another monthly fee that you may see – this fee only incurs if you are using a wireless terminal that requires a SIM and data package.


Pin Debit Monthly Fee: We do not charge this fee.


Voice Authorization with AVS: This is a good tool to use if the merchant suspects a fraudulent card is being used. The Address Verification System (AVS) is a system used to verify the address of a person claiming to own a credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company.


Voice Operator Assisted: This will only be charged if the issuing bank has a problem with the transaction, they may request additional information, or they make want you to destroy the card (fraudulent transaction/code 10). This is a very rare occurrence. The message on your terminal would be “call for auth”.


Voice Referral: This fee would incur if the issuing bank wants to talk directly with the customer at the time of the transaction. A referral is a prompted by the issuing bank. The customer must call voice authorizations who will then connect the customer and card holder to the issuing bank. This message is driven by the issuing bank, and not Elavon. This is a very rare occurrence.


PCI Program Fee: We do not charge this fee.


You may notice some fees listed above that do not appear on your agreement form. Some of the fees vary per business type (e.g. e-commerce, retail or MOTO).