Current US Interchange Rates for 2023

The term “Interchange rate” refers to the fees charged by banks and card brands for use of their cards. These payment card brands include Visa, Mastercard, American Express (AMEX),and Discover. Interchange rates change twice a year – in April and October. Payment processing companies make money by placing a markup on top of the current interchange rates. This is called cost-plus or interchange plus pricing. “Interchange” is the card company rate and the “plus” is the markup by the payment processor. The interchange plus pricing structure offers the lowest effective rates compared to all other pricing structures, including tiered and flat-rate pricing which can be much more expensive.

Common Visa and MasterCard Interchange Rates

Card Type Current Interchange Rate
Visa Debit CPS0.80% + 15¢
Visa Debit CPS Regulated0.05% + 22¢
MasterCard Debit1.05% + 22¢
MasterCard Debit Regulated0.05% + 22¢
Visa Credit CPS Retail1.51% + 10¢
MasterCard Credit Consumer (Merit III Core)1.65% + 10¢

Common Visa Interchange and MasterCard Interchange Rates

Chip / Swipe Visa Debit Interchange

Visa Debit Interchange Visa Interchange Rate
Visa Debit CPS0.800% + 15¢
Visa Debit CPS Regulated0.050% + 22¢
Visa Debit Prepaid1.510% + 15¢
Visa Debit Business1.650% + 15¢
Visa Debit Business Regulated0.050% + 22¢

Chip/Swipe MasterCard Debit Interchange

MasterCard Debit Interchange MasterCard Interchange Rate
MC Debit1.050% + 15¢
MC Debit Regulated0.050% + 22¢
MC Debit Prepaid1.050% + 15¢

Keyed Visa Debit Interchange

Keyed Debit Interchange Visa Interchange Rate
Visa Debit CPS1.650% + 15¢
Visa Debit CPS Regulated0.050% + 22¢
Visa Debit Prepaid1.750% + 20¢
Visa Debit Business2.450% + 10¢
Visa Debit Business Regulated0.050% + 22¢

Keyed MasterCard Debit Interchange

Keyed Debit Interchange MasterCard Interchange Rate
MC Debit Keyed1.600% + 15¢
MC Debit Regulated Keyed0.050% + 22¢
MC Debit Keyed Prepaid1.760% + 20¢

HMS Agents Get better service for you and your clients

EMV & Swipe Visa Credit Interchange

Retail Swipe Interchange Visa Interchange Rate
Visa CPS Retail1.510% + 10¢
Visa Rewards Traditional1.650% + 10¢
Visa Rewards Signature2.300% + 10¢
Visa Rewards Signature Preferred2.100% + 10¢
Visa Corporate2.100% + 10¢
Visa Business2.200% + 10¢
Visa Purchasing2.400% + 10¢

EMV & Swipe MasterCard Credit Interchange

Credit Swipe Interchange MasterCard Interchange Rate
MC Consumer1.580% + 10¢
MC Enhanced1.800% + 10¢
MC World1.770% + 10¢
MC World Elite2.300% + 10¢
MC Corporate1.900% + 10¢

Keyed Visa Credit Interchange

Keyed Visa Interchange Visa Interchange Rate
Visa Keyed CPS Retail1.800% + 10¢
Visa Keyed Rewards Traditional1.950% + 10¢
Visa Keyed Rewards Signature2.700% + 10¢
Visa Keyed Rewards Signature Preferred2.300% + 10¢
Visa Keyed Corporate2.950% + 10¢
Visa Keyed Business2.950% + 20¢
Visa Keyed Purchasing2.950% + 10¢

Keyed MasterCard Credit Interchange

Keyed Credit Interchange MasterCard Interchange Rate
MC Keyed Consumer1.95% + 10¢
MC Keyed Enhanced2.10% + 10¢
MC Keyed World2.20% + 10¢
MC Keyed World Elite2.950% + 10¢
MC Keyed Corporate2.650% + 10¢
Real Estate & Property Management Interchange Rate
MC Real Estate Consumer1.43% + 5¢
MC Real Estate Enhanced1.43% + 5¢
MC Real Estate World1.43% + 5¢
MC Real Estate World Elite2.200% + 10¢
MC Real Estate Corporate2.650% + 10¢

Visa Charity Interchange Rates

Charity Nonprofit Interchange Current Interchange Rates
Visa Debit (Regulated)0.050% + 22¢
Visa Charity Credit1.350% + 5¢
Paypal Donation2.200% + 30¢

MasterCard Charity Interchange Rates

Charity Nonprofit Interchange Current Interchange Rates
MC Debit (Regulated)0.050% + 22¢
MC Charity Debit (Non-regulated)1.450% + 15¢
MC Charity Credit2.000% + 10¢
Paypal Donation2.200% + 30¢

HMS Agents Up to $100K Ramp-Up Bonus

Visa International Interchange Rates

Visa International Interchange Rate
Visa International1.100%
Visa International Premium1.100%
Visa International Corporate2.000%
Visa International Keyed1.600%

MasterCard International Interchange Rates

MasterCard International Interchange Rate
MC International1.100%
MC International Keyed1.600%

Visa Association Fees

Visa Association Fees Interchange Rate
Visa Card-Brand Credit Acquirer Service Fee0.1400%
Visa Card-Brand Debit Acquirer Service Fee0.1300%
Visa NAPF (Network Acquirer Processing Fee)1.95¢
Visa Clearing Access0.25¢
Visa International Cross-Border0.8000%
Visa Intl Acquirer Service Fee0.4500%
Visa FANF (Fixed Acquirer Network Fee)
Visa FANF - Card-Present Per Location$2/mth
Visa FANF - Keyed Volume $1,000 - $3,999$7/mth
Visa FANF - Keyed Volume $4,000 - $7,999$9/mth
Visa FANF - Keyed Volume $8,000 - $39,999$15/mth
Visa FANF - Keyed Volume $40,000 - $199,999$45/mth

MasterCard Association Fees

MasterCard Association Fees Interchange Rate
MC Card-Brand (Under $1000)0.1300%
MC Card-Brand (Over $1000)0.1400%
MC Card-Brand Debit (Over $1000)0.1300%
MC ALF (Acquirer License Fee)0.0047%
MC NABU (Network Brand Usage Fee)0.195¢
MC Account Status Inquiry (on $0 auth)2.500¢
MC CVC 2 Authorization Fee0.250¢
MC AVS Authorization Fee1.000¢
MC Intl Cross-Border Support0.6000%
MC International Cross-Border0.8500%
MC - Per Location Annual Fee 2016$7.50/year
MC - Per Location Annual Fee 2017+$15/year
HMS-Logo-Red-WHITE-SR19-8R1

Experience A Higher Level Of Service

Big Bonuses for Sales Agents!

Fill out the fields below and a Host Merchant Services representative will contact you. Your submitted information is private and secure.

  • Hidden
  • Hidden