# Fees in your statement

Your statement contains a list of fees associated with your merchant account. There are four types of fees:

- [Interchange fees](https://support.payroc.com/en-US/account-management/statements-and-funding/fees-in-your-statement.md#interchange-fees-0)
- [Card association fees](https://support.payroc.com/en-US/account-management/statements-and-funding/fees-in-your-statement.md#card-association-fees-1)
- [Payroc fees](https://support.payroc.com/en-US/account-management/statements-and-funding/fees-in-your-statement.md#payroc-fees-2)
- [Miscellaneous fees](https://support.payroc.com/en-US/account-management/statements-and-funding/fees-in-your-statement.md#miscellaneous-fees-3)

> **Note:** For more information about your statement, go to [Understand your statement](https://support.payroc.com/en-US/account-management/statements-and-funding/understand-your-statement.md).

## Interchange fees 

The cardholder’s issuing bank charges you an interchange fee when the cardholder makes a purchase with their credit or debit card. This fee covers the cost of processing and authorizing the transaction.

For each transaction, the interchange fee is a percentage of the transaction amount plus a fixed amount.

## Card association fees 

Card brands charge you a card association fee when you use their network.

For each transaction, the card association fee is either a percentage of your transaction amount or a fixed amount.

## Payroc fees 

We charge you a fee for handling each card transaction.

For each transaction, we charge a percentage of your transaction plus a fixed amount.

## Miscellaneous fees 

You are charged miscellaneous fees from Payroc and third-party services. The following table describes common fees that you might see in your statement.

| Fee | Description |
| --- | --- |
| Address Verification Service (AVS) | Fee that we charge for each transaction that requires address verification. |
| Annual Fee | Annual fee that we charge for the maintenance of your merchant account. |
| Auths Misuse | Fee that the card brand charges for each transaction that you’ve authorized but don’t settle within the designated time frame. |
| Auths Only & Declines | Fee that we charge for each declined transaction or unsettled transaction. |
| Batches | Fee that we charge for each batch that you closed during the month. |
| Chargeback Fee | Fee that we charge for processing each chargeback dispute on your account. |
| Hardware Advantage | Monthly fee that we charge if you are enrolled in the Hardware Advantage Plan, which is an extended device protection program. |
| Monthly Maintenance | Monthly fee that we charge for the maintenance of your merchant account. |
| PCI Noncompliance Fee | Fee that we charge if you don’t comply with PCI’s minimum requirements for processing card payments. |
| PIN Based Sales | Fee that we charge for each debit transaction that requires PIN entry. |
| Platinum Security PCI | Monthly fee or annual fee that we charge for access to SecureTrust, which is our Payment Card Industry (PCI) compliance partner. SecureTrust helps you become PCI-DSS compliant. For more information, go to [Introduction to PCI DSS](https://support.payroc.com/_questions/3224364). |
| Regulatory Assistance Program | Fee that we charge to cover the costs associated with your 1099-K form preparation. For more information about your 1099-K form, go to [Understanding your Form 1099-K](https://www.irs.gov/businesses/understanding-your-form-1099-k). |
| Retrieval Fee | Fee that we charge for processing each retrieval request. |
| Signature Based Sales | Fee that we charge for each credit card transaction that requires a signature. |
| Voice Authorization | Fee that we charge each time you use the voice authorization number to authorize a transaction. |
| Wireless Monthly | Monthly fee that we charge for processing transactions through a wireless terminal. |
| Wireless Transaction | Fee that we charge for each transaction that you process through a wireless terminal. |
| Zero Floor Limit | Fee of $0.10 that the card brand charges for each transaction that you process without an original authorization code. |

## Related articles

- [Set up credit card surcharges](https://support.payroc.com/en-US/payments-fundamentals/surcharges/set-up-credit-card-surcharges.md)
- [Chargebacks](https://support.payroc.com/en-US/payments-fundamentals/disputes/chargebacks.md)

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From [Payroc Support](https://support.payroc.com/en-US/account-management/statements-and-funding/fees-in-your-statement). Every page is listed in [llms.txt](https://support.payroc.com/llms.txt).