What NABU is
NABU stands for Acquirer Network Access and Brand Usage Fee. It is a fee from the card network, not from your processor.
TD Merchant Solutions describes it as a Mastercard fee. Its Fee Change Summary says: “Effective Oct 19, 2026, Mastercard is introducing the Acquirer Network Access and Brand Usage Fee (NABU). These new fees will replace the existing Acquirer Clearing Fees and will apply to all Domestic and Cross-Border transactions.”
Two words to know:
- Acquirer means the bank or company that handles card sales for your business. Most of the time, that is your processor or the bank behind it.
- Network fee means a charge set by the card network (Visa, Mastercard and so on). Your processor passes it on to you. It is separate from interchange, which goes to your customer’s bank.
What it replaces
Before NABU, TD listed Mastercard Acquirer Clearing Fees. TD’s fee list says these were “billed by Mastercard to cover the costs associated with processing and clearing all transaction types.”
An older section of TD’s Fee Change Summary says those clearing fees started on September 15, 2025, and depended on the sale amount: “Clearing Fee 1” on sales of $35 and under, and “Clearing Fee 2” on sales over $35.
From October 19, 2026, TD’s table shows those four clearing fee lines ending (“N/A” in the new fee column) and six NABU lines starting.
The amounts TD lists
All amounts are per sale, as listed in TD’s Fee Change Summary. TD marks every line as a card network fee (“PCNO Core”), 100% passed on, for its IPLUS and DRAF pricing methods.
Ended on October 19, 2026:
| Fee line on a TD statement | Amount |
|---|---|
| Mastercard Clearing Fee 1 | $0.0081 |
| Debit Mastercard Clearing Fee 1 | $0.0081 |
| Mastercard Clearing Fee 2 | $0.0315 |
| Debit Mastercard Clearing Fee 2 | $0.0315 |
Started on October 19, 2026:
| Fee line on a TD statement | Amount |
|---|---|
| Mastercard NABU Domestic Fee | $0.0315 |
| Debit Mastercard NABU Domestic Fee | $0.0315 |
| Mastercard NABU Foreign Fee | $0.0476 |
| Mastercard NABU Domestic Reversal Fee | $0.0158 |
| Debit Mastercard NABU Domestic Reversal Fee | $0.0158 |
| Mastercard NABU Foreign Reversal Fee | $0.0239 |
Domestic means the card was issued in Canada. Foreign means it was issued in another country. A reversal cancels an approval (an authorization) so it does not go through as a sale.
TD’s table does not say which currency these amounts are in. Other processors may list a different amount for the same Mastercard fee, so ask your processor what it charges.
TD’s new table lists one domestic amount, $0.0315, with no split by sale size. Under the old clearing fees, sales of $35 and under were $0.0081.
Where it shows up on your statement
TD says: “These fees will appear as (1) Mastercard NABU Domestic Fee; (2) Debit Mastercard NABU Domestic Fee; (3) Mastercard NABU Foreign Fee; (4) Mastercard NABU Domestic Reversal Fee; (5) Debit Mastercard NABU Domestic Reversal Fee; and (6) Mastercard NABU Foreign Reversal Fee on the merchant statement.”
TD also says the change appears “on your October 2026 statement, arriving in November 2026.”
Where you see it depends on your pricing:
- Interchange plus and differential (DRAF): network fees are listed as their own lines. TD lists NABU for these two methods.
- Flat rate: you pay one rate per type of sale. Network fees are inside that rate, so NABU will not usually appear as its own line.
New to statements? How to Read Your Merchant Statement walks through each section, and the statement decoder explains individual lines, including NABU.
Your cancellation window at TD
TD’s table lists December 28, 2026 as the “Date to Cancel Without Penalty” for each new NABU line.
Each section of TD’s Fee Change Summary carries the same reminder: “You may cancel your agreement within 70 days after the date on which a new or increased (i) domestic PCNO Core Fee, or (ii) TDMS Fee, that applies to you takes effect. If your agreement does not have a fixed term, then you may cancel at any time without penalty.”
That window is in TD’s own terms. Other processors have their own. More on leaving a contract: Early Termination Fees: How They Work.
Other processors
This page uses TD because TD publishes the change, with amounts, on a public page. Other Canadian processors that pass on Mastercard network fees may name and show NABU differently. Ask your processor:
- Does NABU appear on my statement, and under what name?
- What amount do you charge per sale?
- Is it passed on at cost, or is anything added?
More on the fees that sit on top of interchange: Assessment Fees Explained and Processor Markup.
Where to go from here
On TD statements, NABU first appears on the October 2026 statement, which TD says arrives in November 2026. The lines start “Mastercard NABU”. At TD’s listed amount, the domestic line equals the number of domestic Mastercard sales times $0.0315.
For more on Canadian card fees, see card processing in Canada. Want a partner to review your statement? We will put you in touch. Start the free statement review.