Network access fees
On a statement: NETWORK ACCESS / APF / NABU
A handful of small card-brand fees with alphabet-soup names: Visa's Acquirer Processing Fee (APF) and Fixed Acquirer Network Fee (FANF), Mastercard's Network Access and Brand Usage fee (NABU), and similar. They are real, fixed and pennies per transaction.
What a fair version looks like
Under $0.02–$0.03 per transaction plus a few dollars a month. Typically $10–$30 total for a business this size.
What 321 Swipe would do
We confirm they're itemized at cost. Some processors bundle these into a bigger 'network fee' with their own margin inside.
See it on a statement
On our sample statement this line is $12.40 (Per-item + monthly brand fees).
Also under interchange & assessments
Is this on your statement?
Send it and we'll tell you — along with everything else on there that shouldn't be. A phone photo of the fee page is enough.