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Actually it varies from bank to bank. On merchant accounts I've seen fees as high as several thousand dollars.
I'm not sure what you think that talking to Visa, were you able to actually speak to someone at Visa, would do for you. Visa, like Mastercard, is an association of member banks. The banks themselves collect the fees from acquiring merchants (or cardholders) and then remit what they owe into Interchange. Visa cares about its banks, not its account holders frankly. Unless of course you are an account holder who has too many chargebacks.
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