> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/learn/flows/payments/credit-card/processor-fee.md).

# Processor fee

Interchange fees help cover the
 issuer’s risks and costs associated with each card transaction
 and card rewards, such as points or miles.

<table><thead><tr><th width="307.3333740234375">Processor fee</th><th>What we do</th></tr></thead><tbody><tr><td>Authorizations and settlements</td><td>Confirm that the transaction is approved or declined by the customer's bank (card's issuing bank) and deposit the money into your bank account.</td></tr><tr><td>Chargebacks</td><td>Manage any sale that is disputed by your customer.</td></tr><tr><td>ACH transfers</td><td>Deposit funds to your bank account via the ACH Network.</td></tr><tr><td>Wire transfers</td><td>Deposit funds to your bank account via electronic funds transfer.</td></tr><tr><td>Value-added services</td><td>Offer additional features and functions to streamline your process.</td></tr></tbody></table>

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RESOURCES

[A MERCHANT'S GUIDE TO Card Acceptance Fees](https://www.jpmorgan.com/content/dam/jpm/merchant-services/documents/jpmorgan-interchange-guide.pdf)