What Does Your Bank Statement’s PAI ISO Charge Mean?

What Does Your Bank Statement’s PAI ISO Charge Mean?

You might be curious about the meaning and the reason behind the charge labeled “PAI ISO” if you look over your bank statement. PAI ISO, an acronym for “Payment Alliance International ISO,” is a frequently occurring charge that shows up on credit card and bank statements.

We’ll go into detail about PAI ISO in this post, along with what it means for your bank account and why it’s crucial to comprehend this charge.

How does PAI ISO work?

Payment Alliance International ISO is referred to as PAI ISO. Payment Alliance International (PAI) is a top supplier of ATM services, providing equipment, maintenance, and processing to banks and merchants. Conversely, ISO is an acronym for Independent Sales Organisation. An ISO is a business that a bank has given permission to offer merchants its services, including credit card processing.

To put it simply, PAI ISO is a fee that shows up on your bank statement and is processed by Payment Alliance International through an Independent Sales Organisation whenever you use an ATM or make a debit or credit card purchase.

Is PAI ISO shown on my bank statement?

Your bank statement displays PAI ISO whenever you use an ATM or make a purchase using a debit or credit card that Payment Alliance International processes. This means the payment was processed by a business or ATM that is linked to PAI and uses their payment processing services.

Use of an ATM not linked to your bank may also result in PAI ISO charges appearing on your statement. In this case, your bank might charge you for using an out-of-network ATM; the charge will be shown as PAI ISO.

What does my bank account’s PAI ISO mean?

Your bank statement will show a PAI ISO fee if you used an ATM or made a transaction that Payment Alliance International handled. Usually, the name of the retailer or ATM where the transaction was made appears next to this fee.

A cost from your bank for using an ATM that is not connected to them may also be included in the PAI ISO charge if you have used an out-of-network ATM. Depending on the terms of your account and the policies of your bank, this cost may change.

The fact that PAI ISO charges are not fraudulent should not be overlooked. When you use an ATM or make a payment that Payment Alliance International processes, these are valid charges that show up on your bill.

Why is it crucial to comprehend PAI ISO fees?

It’s critical to comprehend PAI ISO fees for several reasons. It first aids in tracking your expenditures and assisting you in understanding where your money is going. Payment Alliance International handled transactions that you can readily recognize by understanding what PAI ISO signifies and how it shows on your bill.

Second, you can prevent needless expenses by being aware of PAI ISO charges. You can only use ATMs connected to your bank to avoid fees if you are aware that your bank levies an extra charge for using ATMs outside of its network.

Finally, being aware of PAI ISO charges will enable you to spot any unauthorized activity on your account. It may indicate fraudulent activity on your account if you see a PAI ISO charge for a transaction that you did not make. In this situation, it’s critical to notify the unauthorized charge to your bank right away and take the appropriate precautions to safeguard your account.

In what ways may I avoid paying PAI ISO fees?

By far the best way to avoid PAI ISO costs is to use bank-connected ATMs. This means using bank-branded or named ATMs. The website or mobile app of your bank has a list of nearby in-network ATMs.

To cut down on the amount of times you have to use an out-of-network ATM and the related expenses, try to take out more money from it. Credit cards typically offer lower out-of-network transaction fees, so consider using one for purchases rather than a debit card.


Paying with an ATM or buying something through Payment Alliance International will show up on your bank account as a charge called PAI ISO. Recognizing this fee can assist you in keeping track of your spending, avoiding fees that aren’t necessary, and finding any unauthorized activities occurring on your account. Knowing your bank’s rules and using in-network ATMs can help you cut down on the amount of PAI ISO charges on your statement and better manage your money.

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