What Is the PAI ISO Charge on Your Bank Statement?

Understanding the PAI ISO Charge on Your Bank Statement: The PAI ISO charge is a fee you might notice on your bank statement, primarily tied to ATM withdrawals. 

It’s imposed by Payment Alliance International (PAI), a reputable entity providing ATM processing services to financial institutions and merchants.

Variations in the Charge: The PAI ISO charge typically ranges from $1 to $2 per withdrawal, although this can vary based on the type of transaction. 

Reasons Behind the Charge: The charge stems from transactions involving ATMs not owned by your bank. 

When you use such ATMs, the ATM owner pays PAI a fee for transaction processing, which gets passed on to you as the PAI ISO charge. 

What Is the PAI ISO Bank Charge?

PAI ISO refers to a bank charge often noted on ATM withdrawal statements. This charge is levied by Payment Alliance International (PAI), a company offering ATM processing services to financial institutions. 

Generally falling between $1 and $2 per withdrawal, the PAI ISO charge varies based on the transaction type.

Let’s break it down further:

  • ATM Withdrawal: This action may incur a charge ranging from $1 to $2.
  • ATM Balance Inquiry: A fee of $0.50 to $1 might be applied.
  • ATM Deposit: Some cases could see a price ranging from $0 to $1.

However, remember that the actual charge can differ per bank and transaction type. 

Contacting your bank to clarify the specifics of the PAI ISO charge is a good idea.

Additional details about the PAI ISO charge include:

  • This charge is typically tied to withdrawing money from non-network ATMs, meaning those not owned by your bank.
  • The cost might only sometimes be prominently displayed on your ATM receipt and might instead be mentioned in the fine print.
  • You could discuss it with your bank if you’re subject to the PAI ISO fee. Although your bank might not be able to waive the charge if it’s valid, you still have the option to dispute it.

Why the PAI ISO Charge Appears on Your Bank Statement?

Have you ever wondered why the PAI ISO charge appears on your bank statement? 

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Let’s explore the reasons behind it:

  1. ATM Withdrawal at a Non-Network ATM: When you withdraw cash from an ATM your bank does not own, you might face the PAI ISO fee. This is because the ATM’s owner must pay a fee to Payment Alliance International (PAI) to process the transaction. So, this fee is passed on to you.
  2. ATM Balance Inquiry at a Non-Network ATM: Similarly, checking your account balance at a non-network ATM could also lead to the PAI ISO charge. Just like withdrawals, the ATM’s owner needs to cover the transaction processing fee, which is often reflected in this charge.
  3. ATM Deposit at a Non-Network ATM: Occasionally, even depositing money at a non-network ATM might incur the PAI ISO fee. Although less common, this scenario exists due to the transaction processing requirements.
  4. ATM Transaction Processed by PAI: Surprisingly, you might spot a PAI ISO fee even if you withdraw from an ATM owned by your bank. This occurs when your bank uses PAI to handle ATM transactions. PAI charges a processing fee to your bank, which may be passed on to you.
  5. Fraudulent Transaction: If a PAI ISO charge appears on your statement for a transaction you didn’t make, your card may have been compromised. This indicates fraudulent activity. It’s crucial to act swiftly – notify your bank to report the fraud and challenge the charge.

Remember these key points:

  • The PAI ISO charge is only sometimes prominently displayed on your ATM receipt; it might be tucked away in the fine print.
  • You can contact your bank for more precise information to confirm whether you’ve incurred a PAI ISO fee.

Now you’re better equipped to understand why that PAI ISO charge made it onto your bank statement.

Is PAI ISO Bank Charge Scam or Fraudulent?

Concerned about the legitimacy of the PAI ISO bank charge? Let’s clear the air:

PAI ISO is Legitimate: PAI ISO is a reputable company providing legitimate ATM processing services to financial institutions and merchants. 

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It’s not a scam or fraudulent entity. 

However, there have been fraudulent transactions labeled “PAI ISO Charge.” 

Scammers perpetrate these to deceive individuals into believing the charge is genuine.

Distinguishing Legitimate and Fraudulent Transactions:


  • Merchant Name: PAI ISO
  • Transaction Amount: Varies, usually a small sum
  • Transaction Location: Familiar ATMs or known merchants
  • Receipt: You should receive a receipt


  • Merchant Name: PAI ISO or variations of it
  • Transaction Amount: Often, a significant sum
  • Transaction Location: Unfamiliar ATMs or foreign-country merchants
  • Receipt: A receipt might not be provided

Verification and Protection: If unsure about a “PAI ISO Charge” transaction’s legitimacy, promptly contact your bank or credit card company. 

They’re equipped to investigate the transaction and take measures to safeguard your account.

Preventive Measures Against Fraudulent Transactions:

  • Recognize Signs: Familiarize yourself with the telltale signs of fraudulent transactions.
  • Use Familiar ATMs: Stick to ATMs you’re accustomed to using.
  • Foreign ATMs: Avoid using your debit card at ATMs in foreign countries.
  • Monitor Statements: Keep a watchful eye on your bank statements, reporting unauthorized transactions immediately.

By embracing these precautions, you empower yourself against falling victim to fraudulent “PAI ISO Charge” transactions. 

It’s all about being informed, cautious, and proactive in safeguarding your financial well-being.

What Steps to Take When a PAI ISO Charge Appears on Your Bank Statement?

Did you encounter an unexpected PAI ISO charge on your bank statement? 

Here’s what you should do:

Step 1: Check Your Statement Carefully

  • Ensure that the charge is valid and wasn’t authorized by you. If unsure, promptly get in touch with your bank to clarify.

Step 2: Contact Your Bank

  • Reach out to your bank and inform them about the PAI ISO charge. Request an investigation into the matter. If the charge was a mistake, your bank can waive it.

Step 3: Dispute the Charge

  • If your bank can’t resolve the issue, you can dispute the charge with the credit card company or the bank that issued your card.
  • You must provide evidence demonstrating that the charge was fraudulent or unauthorized.
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Step 4: Keep a Record of Everything

  • Maintain copies of your bank statement, the PAI ISO charge, and any communication you have with your bank or credit card company. These records can prove invaluable in further disputing the charge.

Remember these important points:

  • Time Limit: You generally have a 60-day window from the charge date to dispute it.
  • Proof: You must substantiate that the charge was unauthorized or fraudulent for your dispute. This can involve documents like a police report or a copy of your driver’s license.
  • Investigation Process: The credit card company or bank will initiate an investigation into your dispute. They may contact the merchant or ATM owner involved to gather more information.
  • Resolution: If the credit card company or bank finds it in your favor, they’ll reverse the charge and return the funds to your account.

Navigating a PAI ISO charge discrepancy might seem daunting. 

Still, by following these steps and maintaining thorough records, you’ll be better equipped to address the situation and ensure your financial well-being.

What Transactions Resemble the PAI ISO Charge?

Are you curious about similar transactions that share characteristics with the PAI ISO charge?

Here’s an overview:

  1. ATM-DEBIT-PAI-ISOPOS PURCHASE: This corresponds to an ATM withdrawal at an independent ATM operator (ISO) linked to Payment Alliance International (PAI).
  2. ATM-DEBIT-PAI-ISOCHECKCARD: Refers to an ATM withdrawal from an ISO-affiliated ATM under PAI using a check card.
  3. ATM-DEBIT-PAI-ISOVisa Check Card: Describes an ATM withdrawal using a Visa check card at an ISO-associated ATM within PAI.
  4. ATM-DEBIT-PAI-ISOPOS PUR: Represents an ATM purchase carried out at a merchant associated with PAI.
  5. ATM-DEBIT-PAI-ISOPENDING: Denotes a pending ATM withdrawal or purchase transaction within the PAI network.
  6. ATM-DEBIT-PAI-ISOPRE-AUTH: Refers to the pre-authorization stage for an ATM withdrawal or purchase transaction affiliated with PAI.

These transactions share similarities with the PAI ISO charge and are essential to recognize within your bank statements. 

Understanding these will aid in ensuring accurate financial tracking and addressing any discrepancies that might arise.