# Understanding IC+ Fees

### When reviewing IC+ fees, it’s imperative to understand that there are two fee categories: Stripe fees (denoting fees set by Stripe) and Network Costs (denoting fees set by a payment network).
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## To review your Stripe IC+ fees
1. Navigate to the Payments fees tab of your Financial Reports suite, and select the date range you’d like to review
1. Download the Transaction-level report. We recommend using, at a minimum, the “Default” data columns, but you may add any others if desired
1. Once downloaded, open the report in Excel or a similar data analytics application
1. Filter `fee_category` = `stripe_fee`
The remaining rows will fall into one of two `fee_name`s: `volume_fee` and `per_auth_fee`. The `volume_fee` is the percentage component of your IC+ pricing, while the `per_auth_fee` is the fixed component. In other words, if your card payments pricing was IC+ 0.45% & $0.20, the `volume_fee` would show as `0.0045` (0.45% expressed as an integer), and the `per_auth_fee` would show as `0.2`.
### To see the amount assessed for the `volume_fee`
Review the `variable_rate` column. This rate will then be applied to the value in the `variable_volume_amount` column to yield the `subtotal`. Using the example pricing structure above, for a card payment of $60.00, the `subtotal` would be $0.27 (60 x 0.0045).
### To see the amount assessed for the `per_auth_fee`
Review the `fixed_per_item_amount` column. Since this is a fixed fee, it’s assessed according to the value in the `fixed_per_item_count` column. Using the example pricing structure above, for a single card payment of $60.00 (e.g. `fixed_per_item_count` = 1), the `subtotal` would be $0.20 (0.2 x 1).
## To review your Network Costs
1. Navigate to the Payments fees tab of your Financial Reports suite, and select the date range you’d like to review
1. Download the Transaction-level report. We recommend using, at a minimum, the “Default” data columns, but you may add any others if desired
1. Once downloaded, open the report in Excel or a similar data analytics application
1. Filter `fee_category` = `network_cost`
The remaining rows will fall into one of four `fee_names`: `card_scheme`, `non_transactional_card_scheme`, `interchange`, or `discount`. These fees are explained a bit more in our [documentation on the Payments fees report](https://stripe.com/docs/reports/fees-reporting). _Note: this documentation is only available to logged in IC+ users._
There are several data columns that can help you better analyze network costs.
### plan_name
The name of the assessed interchange/discount plan or card scheme fee
### charge_id
If populated, the ID of the charge that resulted in the payments fee
### event_type
The type of event that incurred this fee (e.g. charge_authorized, refund, customer_created, etc.)
## Additional information and FAQs
### Public information for interchange, discount, and scheme fees
**Where can I find public sources of Interchange fees for the U.S.?**
* [Visa](https://usa.visa.com/content/dam/VCOM/download/merchants/visa-usa-interchange-reimbursement-fees.pdf)
* [Mastercard](https://www.mastercard.us/en-us/business/overview/support/merchant-interchange-rates.html)
**Where can I find public sources of interchange fees for the EEA (European Economic Area)?**
* [Visa](https://www.visa.co.uk/about-visa/visa-in-europe/fees-and-interchange.html)
* [Mastercard](https://www.mastercard.com/europe/en/regulatory/european-interchange.html)
**Where can I find public sources of interchange fees for Canada?**
* [Visa](https://www.visa.ca/en_CA/support/small-business/interchange.html)
* [Mastercard](https://www.mastercard.ca/en-ca/business/overview/interchange/merchant-interchange-rates.html)
**Where can I find public sources of interchange fees for Australia?**
* [Visa](https://www.visa.com.au/about-visa/interchange.html)
* [Mastercard](https://www.mastercard.com.au/en-au/about-mastercard/what-we-do/interchange.html)
**Where can I find public sources of interchange fees for other countries?**
If the card networks have published their rates, you can generally find them by performing a web search for, as an example, “Visa Interchange Rates [Country Name]”.
**Where can I find public sources of scheme fees?**
Card networks do not generally publish scheme fees.
**Why can't I find Visa's refund interchange rates on their website?**
Visa refers to refunds/returns as "Credit Vouchers" in their public interchange documentation.
### When am I charged the Stripe `per_auth_fee`?
Per-auth fees are incurred for each instance you direct Stripe to submit a request to a payment method, including for authorization (successful and declined), void, charge, reversal, or to validate a card (e.g. attaching a card to a Customer). These are often referred to as "gateway conversations". So in other words, per-auth fees are not just for a successful charge, but rather any gateway conversation described above.
Each per-auth fee assessed will be the same amount, regardless of the type of gateway conversation.
### How can I review the payments fees for a single charge?
To review the payments fees for a specific charge, perform the following steps:
1. Download the Transaction-level report, ensuring that you select a date range that includes the charge in question
1. Filter the charge_id column to only rows that contain the charge ID in question
You can now review and sum the payments fees incurred for this charge
## Related links
Fee refunds and reassessment when backdating a switch to IC+