Global Payments Integrated (Formerly OpenEdge) Rate Increases, Fees, and Updates — 2024

Global Payments Integrated regularly sends notices related to fee increases and other important statements to customers. Our team here at Merchant Cost Consulting monitors any major updates to share with our readers and clients. 

If you’re looking for more than just the latest updates and rate increases, you can read our Global Payments review for a more in-depth take on our experience working with this processor. 

Global Payments Rate Increases and New Rates For 2024

Global Payments notified merchants that they might see new rates and increased existing rates on their statements in 2024. While the notice did not specify the exact rates, it highlighted the names of the fees that will be impacted. 

As usual, Global Payments makes changes fees and updates things on a regular basis throughout the year. Here’s a breakdown by month for 2024:

December 2024

Global Payments is planning to charging an annual fee beginning in December 2024. We’ve received this notification from several of our clients that are currently using Global for payment processing.

One thing I find really annoying about this is that the notice doesn’t actually include the annual fee amount. So it looks like we’ll need to wait until December to see what they’re actually going to charge (and I have a feeling it won’t be consistent for every business). 

It’s also interesting that they’re choosing to add an annual fee in the last month of the year. This is Global’s way of ensuring they get this fee in 2024 and 2025. 

If you get charged an annual fee from Global Payments this December, please reach out to our team here at MCC let us know how much it was for. 

November (Canada Only)

Effective November 1, 2024, there will be new rates for Visa and Mastercard’s Small Business Interchange Program for qualifying small businesses. 

It was previously announced that this would go into effect in October for Canadian merchants, but has since been updated to November 1st.

October 2024

Global Payments sent a notice to merchants notifying them of increased pass-through fees from the card networks that go into effect in October 2024. This includes discount rates, assessment fees, per item fees, authorization fees, and more. 

Visa is also updating its dispute resolution process on October 19, 2024, which will effect Global merchants going through the dispute process. This update eliminates outdated language for steps that are no longer required, and makes the rules easier to understand. 

September 2024

Effective September 25, 2024, 3D Secure Version 2.1.0 will no longer be supported by Global Payments for all card brands.

If you’re currently using this version, you must upgrade to the newest version to continue using 3D Secure. Otherwise, you’ll receive an error code whenever you submit a transaction using the outdated version.

July 2024 (Canada Only)

Effective July 1, 2024, merchants in Canada using Global Payments will see a new or increased Data Security Fee and Risk Assessment Fee listed on the Discount Fees section of monthly statements. 

July statements also came with a notice that Global Payments is introducing a new fee for Visa’s Processing Integrity Program in Canada (which went into effect on April 25, 2024). It’s a $0.075 fee on both domestic and international transactions that are not authorized, reversed, or cleared as required by Visa’s terms.

Global is retroactively charging merchants for all fees from April 25 until the most recent statement closing today. Moving forward, they’ll bill merchants monthly for that fee under the “Other Fees” section of the statement.

May 2024

Here’s a list of Global Payments fees that are either new or changed as of May 1, 2024:

• Batch fees
• PCI non-compliance fee
• Network security fee
• Compliance fee
• Risk assessment fee
• Discount rates
• Per item fees

According to Global Payments, Merchants have 30 days of a statement date to dispute a charge that contains any errors. If you need help identifying errors or bogus fees charged to your account, reach our to our team here at MCC for a free audit and analysis. 

April 2024

Merchants using Global Payments can expect to see the following rates increased in April 2024:

• Network fees
• Assessment fees
• Switch fees
• Activity fees
• Discount rates
• Per item fees
• Per authorization fees
• Downgraded transaction categories

Global Payments to Retire TXP Gateway July 31, 2023

If you’re using the TXP payment gateway from Global Payments Integrated, you’ll no longer be able to use it as of 7/31/2023. Merchants will automatically be migrated to the TransIt proxy, which includes a new reporting center and Virtual Terminal portal called the Merchant Center.

While Global Payments is not anticipating any interruptions in service, it’s important for merchants to understand what these means for their business. Here’s a summary of what’s happening:

• Global Payments TXP gateway is sunsetting July 31, 2023
• Merchants will automatically be migrated to TransIT gateway
• Merchants must acknowledge the transition to activate their accounts and ensure continuation of services
• 90 days of historical gateway will be migrated
• Following the migration, merchants will have 31 days to access TXP data
• All active customer profiles will be migrated
• Expired wallets will not be migrated

Keep an eye on your inbox for a welcome email following the migration. You must access your new account within five days before the login credentials expire.

Reach out directly to your Global Payments Integrated point of contact, or call 800-543-5327 if you have any questions.

New Global Payments Rate Increases

Merchants will be charged a 0.02% pre-authorization fee on Visa transactions. This is an optional service, that allows merchants to obtain an approval of funds before the actual transaction amount is finalized. As of April 17, 2023, AFDs (MCC Code 5542) will be excluded from this authorization framework.

Effective May 8, 2023, Visa transactions processed through Global Payments will have a rate increase. Specifically, the rate increase applies to consumer credit contactless transactions, which will be charged the same amount as Mastercard’s card-present/non-contactless transactions.

American Express Cross Border Assessment fee is increasing by 0.20% as of May 1, 2023. This applies to inbound fees on purchases using cards issued outside of Canada and excludes JCB cards.

Global Payments Surcharging Rules, Fines, Fees, and Violation Updates

Global Payments recently set a notice to their clients to remind them about card brand rules regarding surcharging and other terms that merchants must follow to stay compliant. Here’s a summary of the key takeaways from this notice:

• Non-compliance fines could range from $1,000 to $25,000 per violation.
• Minimum transactions can NOT be imposed on debit cards or pre-paid cards.
• Minimum transaction requirements for credit cards must not exceed $10.
• For cash discounting, merchants must honor the listed price and then offer a discount for customers paying cash. They cannot charge more than the listed price for customers paying with a card.
• Surcharging rules only apply to Visa, Mastercard, and Discover.
• American Express surcharging is only allowed for merchants on the OptBlue Program.
• Surcharging amounts must not exceed 3%.
• Surcharges cannot be applied to debit cards or prepaid cards.
• There must be a disclosure statement at the entrance and point of purchase regarding minimum transactions, cash discounting, and surcharging.

Merchants must make sure they’ve registered with Global Payments before they can implement certain changes. All payment devices must be properly set up and programmed so that surcharges are properly applied. It’s also the merchant’s responsibility to ensure they’re complying with state and local laws, as surcharging rules vary by location.

OpenEdge (Global Payments Integrated) Updates

In a notice sent to merchants, OpenEdge (Global Payments Integrated) notified customers of changes to PIN debit networks that could impact costs. Effective June 2022, Merchants may see new fees or notice an increase in:

• Card network fees
• Assessment rates
• Switch fees
• Activity fees
• Settlement funding fees
• PCI non-compliance fees
• Network security fees

OpenEdge (Global Payments Integrated) is reminding merchants to carefully review statements to make sure they’re aware of these changes.

OpenEdge (Global Payments Integrated) Statement Format Update

OpenEdge sent a notice to customers informing them that all paper statements will be updated to a new and improved format in the new year. All OpenEdge customers should see these changes on their January 2022 statements. 

OpenEdge (Global Payments Integrated) Fee Increases

In a recent notice to customers, OpenEdge addressed fee increases and updates. Here’s the summary of changes going into effect in December of 2021:

• Increased risk assessment fees.
• New assessment fee added to statements.
• If you’re an OpenEdge customer and you object to these fees, you can terminate your agreement without penalty by providing written notice in accordance with your merchant agreement. Notice must be sent within 30 days of the first statement containing these fees.
• Notice of errors or improper charges must be provided within 90 days of the merchant statement. 

OpenEdge encourages any customers with questions or concerns to contact their customer support team for clarification. 

About OpenEdge (Global Payments Integrated)

OpenEdge Payments, LLC operates as Global Payments Integrated. It’s a merchant services provider specializing in integrated merchant account solutions. They make it possible for merchants to add third-party integrations and custom software to an existing payment solution. 

Global Payments Integrated processes over $1.1 billion per year from over 400,000 customers across 60+ industry verticals.

Get all of the latest interchange rates and updates from our ultimate guide.