Payments5 min readUpdated October 15, 2026

What Is a Batch Fee on a Merchant Statement?

Batch fee meaning: the flat charge for closing a batch of card sales, real amounts from published fee schedules, where it shows on your statement.

Nick Bonnassies, CMO at Tagada · checked against 7 sources

Article summary

TL;DR

A batch fee is a flat charge some card processors bill when a merchant closes a batch, the group of sales sent for settlement. TD Merchant Solutions lists a "Batch close Fee" of $0.35 per first batch closed per terminal per day in its July 2026 schedule. Stripe's and Square's pricing pages list no batch fee.

A batch fee is a flat amount per batch closed, not a percentage of sales. The number of sales in the batch does not change it.
Real amounts come from published schedules: $0.35 at TD Merchant Solutions (2026), $0.29 at PaySimple (2015).
Each processor counts it its own way: TD charges the first batch per terminal per day, PaySimple only on days with sales.
Flat-rate processors like Stripe and Square don't list a batch fee. Their cost sits inside the per-sale rate.
Never hold batches to save the fee: Visa gives 10 calendar days to process an online sale, and late ones can be disputed.

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On this page

A batch fee is a small, flat line on a merchant statement. It is easy to skip, and it is also one of the few fees you can control by changing a setting. This page explains what it is, what real processors charge for it, and how to check it.

What is a batch fee?

A batch is the group of card sales a merchant sends for settlement at once, usually one day of sales. Closing the batch is what starts settlement, the step where money actually moves. A batch fee is a flat amount some processors bill each time a batch closes.

It does not depend on the number or the value of sales in the batch. Ten sales or a thousand, the batch fee is the same. TD Merchant Solutions prints it as "Batch close Fee" and describes it as charged "per first batch closed per terminal per day."1 PaySimple's fee guide called it "Batch Fee," charged "for each daily batch of transactions and only charged on days when transactions are present."2

How a batch fee is charged

Sales collect in an open batch. Each approved sale is held in the day's batch on your terminal or gateway.
The batch closes. Most processors close it at a fixed daily cutoff. At Square, the default "close of day" in the US is 5 PM PT / 8 PM ET.
The batch goes out for clearing and settlement. The processor sends the sales to the card networks, and the money follows.
The fee is billed. One flat amount per batch, as counted by your contract, shows up on your monthly statement.

Sources: TD Merchant Solutions Fee Descriptions, July 2026; Square Support, Customize your close of day.

Square explains that it "groups and sends payments based on the time you choose to close your business each day."5 The same cutoff logic applies with any processor, whether or not it charges for it.

Batch fees in published fee schedules

Few processors publish their batch fee. Here are the ones we could read at the source.

Provider	Statement line	Amount	How it's counted	Date
TD Merchant Solutions (Canada)	Batch close Fee	$0.35	First batch closed per terminal per day	July 2026
PaySimple (US), cards and ACH	Batch Fee	$0.29	Each daily batch, only on days with sales	June 2015
Shore United Bank (US), ACH origination	Batch Fee	$10	Per batch of ACH payments	December 2022
Square (US)	None listed	None listed	Fees are taken from each payment	Read October 2026
Stripe	None listed	None listed	Pricing page states no setup, monthly or hidden fees	Read October 2026

Sources: TD1, PaySimple2, Shore United Bank3, Square4, Stripe.6 Square says its "processing fees are deducted before funds are transferred," and its fee page has no batch line.4

Read this as a shape, not a price list

Each schedule is one provider's, at one date. Your amount is the one in your own agreement. The bank line is an ACH fee, not a card fee: it is the same words for a different service.

Illustrative example. A store with 2 TD terminals that each close one batch every day for 30 days pays 2 × 30 × $0.35 = $21 in batch close fees that month. The same store on one gateway pays $10.50. The sales volume plays no part.

Batch fee vs other flat fees

Fee	Charged per	Grows with sales?
Batch fee	Batch closed	No
Transaction fee	Sale or authorization	Yes
Statement fee	Month (TD: $5.00 for a paper statement)	No
ACH batch fee (bank)	File of ACH payments	No

The TD statement fee figure comes from the same 2026 schedule.1 For every fee that can sit on a card payment, see the processing fee entry.

Batch close timing and late batches

Saving a batch fee is never a reason to close less often. Visa's rules give the acquirer 10 calendar days to process a cardholder-initiated card-absent sale (Visa Core Rules, April 2026, section 5.7.3.5, Table 5-12). A sale processed after that can be disputed under Dispute Condition 11.3, No Authorization/Late Presentment (section 11.8.3.1).7 A late batch still pays you, but later, and it opens a dispute risk.

The opposite mistake exists too. Visa requires a clearing processor to report and reverse "batches captured more than once on the same outgoing Interchange File" (section 7.5.4.1).7 Sending the same sales twice is an error to correct, not a way to get paid faster. For how batches turn into money in your account, see settlement.

Finding the batch fee on your merchant statement

Batch close Fee × 30 in a 30-day monthOne batch per day, as expectedNothing to do
A batch count higher than your days with salesMore than one terminal or gateway is closing batchesList your terminals and remove the unused ones
Batch fees on days you had no salesA batch closed with nothing in it, or an old device is still activeCheck the fee wording, then ask your processor
No batch line at allYour pricing bundles it, as at Stripe or SquareNothing to do

Each deposit to your bank usually matches one batch, which makes the batch list the starting point of reconciliation. For a line-by-line walkthrough, see how to read a merchant statement.

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Updated on October 15, 2026

Nick Bonnassies

CMO at Tagada

CMO at Tagada. Before Tagada, Nick built direct-to-consumer brands that generated over $115M in sales, raised over $25M in crowdfunding and sold two of them. He also works as a fractional CMO on marketing operations and AI systems.

Frequently asked questions

What is a batch fee on a merchant statement?

It is the line for the flat charge your processor bills each time a batch of card sales is closed and sent for settlement. TD Merchant Solutions prints it as "Batch close Fee". It usually sits in the fees section, with a count and a unit price. If the count is higher than the days you had sales, ask your processor why.

What is a batch charge?

Usually the same thing: a fee per batch of card sales. Banks also use "batch fee" for ACH payment files they send for you. Shore United Bank's 2022 schedule, for example, lists an ACH origination batch fee of $10 per batch. Check which service the line belongs to.

How much is a batch fee?

It depends on your contract. In published schedules, TD Merchant Solutions lists $0.35 per first batch closed per terminal per day (July 2026), and PaySimple listed $0.29 per daily batch (2015). Your own fee schedule is the only number that counts for you.

Can I avoid batch fees?

You can avoid paying more than needed. Use one automatic daily close, check how many batches you were billed for, and remove terminals or gateways you no longer use. Flat-rate processors such as Stripe and Square don't list a batch fee. Don't skip closes: late sales can be disputed.

Does closing more than one batch a day cost more?

It depends on how the fee is written. PaySimple charged per daily batch. TD describes its fee as per first batch closed per terminal per day, so the unit is the terminal and the day. Read the exact wording in your fee schedule, then compare it with the batch count on your statement.

Sources

Checked October 15, 2026

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