Support Services

Partner FAQ - July 2020 Pricing Changes

Q: Why is this change occurring?

A: Historically, Forte has absorbed costs associated with Card Brand and vendor price increases, however, upon market analysis and due to the ongoing increases Forte is no longer able to absorb the costs across our entire portfolio.

Q: How will this impact my merchants?
A: For the majority of merchants this pricing change will be minimal. For example, if their funding fee was $0.25, and they are on net funding, the change would be approx. $2.20 per month, if they send ACH or Card transactions daily.  On average, the impact on a per merchant basis is less than $7.00 per month. Additionally, we are in the process of updating our merchant service agreement terms and conditions. The updated language will be added to the notice that merchants will receive on June 1st.

Q: Will government merchant’s fees (or other merchants utilizing a convenience fee model) be increased?
A: Merchants utilizing Forte’s convenience fee model will not be impacted by this pricing increase. The consumer paid convenience fee will not be increased at this time. Other fees outlined in this notice may be applicable. Please consult with our Support Teams if you have additional questions at

Q: What if I am an integrated referral partner with a mutual merchant leveraging the convenience fee model?
A: Merchants utilizing Forte’s convenience fee model will not be impacted by this pricing increase.

Q: Can my merchants request a rate review related to this pricing change?
A: If you manage your merchant pricing, Forte will refer them back to you. If Forte manages the merchant’s pricing, they may request a review. However, they may not receive an adjustment if it requires Forte to absorb the additional cost of doing business. 

Q: Where should I look on my invoice to view the price changes?
A: This may vary based on the pricing model indicated in your merchant service agreement. See below for details based on the 3 pricing models available. 

Interchange Plus 

    • CCPInt = Interchange totals
    • CCPDA = Dues & Assessments (card association fees)
    • CCPBPS = Basis points (Forte’s rate)
    • An interchange report will be included that details the exact interchange fees billed per card type

Tiered Pricing

    • CCP34Q = Qualified rate/surcharge
    • CCP34M= Mid-Qual rate/surcharge
    • CCP34N = Non-Qual rate/surcharge
    • An interchange report will be included to show transactions that downgraded and didn’t hit the qualified rate

Flat Fee Pricing:

  • Merchants will receive an invoice with 2 billing codes 
    • CCPItem 
    • CCP%
    • No interchange report is included for this pricing model


Visa Interchange Modification FAQ

Q: The Visa Interchange Modification indicates that transactions that are not sent with a zip code will be downgraded, my customers use a Canadian (and/or other acceptable International) card will my transactions downgrade?
A: No, international cards do not apply to this change as they are held to other interchange rates.

Q: Does the AVS requirement require a valid zip code that matches the credit card being processed?
A: We recommend that the zip code that is associated to the card being billed is used to prevent possible declination.  Purposely sending a knowingly incorrect or ‘dummy’ value not recommended and may result in card brand fines.

Q: Do I need to update credit cards with billing zip codes that have recurring billing and/or that’s set up on schedules?
A: Yes, it is very important that all stored payment methods that will be used for recurring billing schedules include the cardholder zip code at a minimum or the transaction will be downgraded. 

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