Credit Card Processing

Visa International Service Assessment (ISA)

by Ben Dwyer

In April 2008, Visa implemented an international service assessment (ISA) fee of 0.40% (forty basis points).

The ISA fee applies to all transaction involving a U.S.-based business and a foreign card issuer.

The ISA is separate from interchange, and from Visa’s standard assessment fee, which is currently 0.11%.

For example, an ISA fee of 0.40% will be added to a transaction where a customer pays using her Visa-branded credit card that is issued by a bank based outside of the United States.

Since the ISA is separate from interchange and other assessments, Visa’s total assessment on this type of transaction is the sum of the ISA fee (0.40%), the standard assessment (0.11%), and the International Acquirer Fee 0.45%).

Visa also charges an interchange service assessment to card-issuing banks, but this aspect of the fee is refunded to acquiring (processing) banks.

Here is Visa’s brief online statement about the ISA fee.

Ben Dwyer

BY Ben Dwyer

Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry.


Credit Card Processing exposed

Use the secrets that credit card processors don't want
you to know to drastically lower your credit card
processing fees.

Read Now!

You might also like…


View all articles

Please join the conversation

Your email address will not be published.


  1. from Susan Cypher, on February 6, 2018

    I am so incredibly underimpressed by this. Now, I have a new fee that has cropped up out of the blue. It’s bad enough my bank balance only earned 10 cents for the month. Now, visa’s 9 cents, followed by 85 cents,?took away that little bit of earnings. How much money do you need anyway? Oh, that’s right. All of it!!

    You might get the idea I’m ticked. You’d be right.

    So tired of crumbs,