What Is MTOT Disc?

Mar 8, 2024 | Payments

MTOT Disc stands for merchant account total discount fee, and it may appear as a fee on your monthly account statement. Some merchant processors have used it in the past as a way to add extra fees to merchant statements surreptitiously. Continue reading to learn more about Bankcard MTOT Disc.

What is MTOT?
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Remove MTOT Disc Fees

MTOT Disc On Bank Statement


Before we dig into the banks that charge this fee and why some make it less transparent, you need to know about MTOT Disc.


MTOT is part of the monthly statement deduction by the bank. It’s their direct cost. This deduction may stay hidden, and customers might not know until they look back at yearly expenses.


Nonetheless, some banks reveal their fees upfront and inform merchants of the charges they’ll incur as a customer.


The matter gets more complicated when a merchant tries to figure out their monthly expenses. Instead of steady monthly fees, the deduction is sometimes made yearly.


Are Processing Fees Transparent?


Before you sign up for a Merchant Account, the bank should disclose fees upfront. Regarding the MTOT Disc fee, it’s expected that a merchant was uninformed while registering for a credit or debit card account.

The charges range from bank to bank and person to person. A typical range for the fees is from $40 – $150.

Nevertheless, they instate this as a processing fee, incubating the client’s trust. If you want to report an issue with the charge or create a dispute, be sure to do so within 60 days of it appearing on your statement.

Are Processing Fees Transparent?

MTOT Disc and BankCard USA

MTOT Disc BankCard
MTOT Disc and BankCard USA have a history together. This company uses this term along with BTOT to display specific fees. BTOT stands for Banking Total.


The disclosure of this deduction impacted many customers when the statement showed debiting above $150.


MTOT Disc and BankCard USA

MTOT Disc Meaning

  • BTOT and MTOT have become line items. With MTOT being the monthly total, BTOT is the bank total.

Authorization Fees

  • You shouldn’t confuse the authorization fees with the electronic authorization. Electronic authorization is for online payments via credit card.

Monthly Fees

  • If you notice a “monthly fees” deduction, the transaction is mostly from accepting credit cards through your merchant account.

Annual Fees

  • To help you monitor your account fees, update the account setting to show annual fees for each invoice. It is roughly around $40 per year for each debit or credit.

Learn more about free merchant accounts here.