Merchant fees are charged to those who receive payment transactions (as a rule, merchants) by the corresponding payment service providers, for each transaction settled with a bankcard in POSs. In general, this fee is a percentage of the sale value. Merchant fees are a way to pay the payment service provider, which has signed a contract for the utilisation of POSs with the merchant, for accepting payment brands and for the guarantee that funds will be received by the beneficiary.

Merchant fees include the interchange fee.