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Authorization fee: charged when a merchant requests authorization for a payment, only when the amount is below USD 1.
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Decline fee: charged when a payment authorization is declined.
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Refund fee: charged when a merchant refunds a completed payment to your card.
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Reversal fee: charged when an authorized payment is cancelled or reversed.
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Dispute fee: charged when you dispute a transaction and it goes through the dispute process.
Note: To avoid decline fees, check your card balance and details before you pay, and avoid submitting the same payment again and again.