Current US Interchange Rates
Interchange rate is the base fee charged by the card companies for use of their cards. These card companies are Visa, Mastercard, AMEX, Discover… These rates are the same for everyone. Interchange rates only change twice a year – in April and October. Payment processing companies make money by putting a small markup on top of the interchange rate. This is industry standard. This is also how you save money. No processor will match interchange because then they aren’t making money (unless its through hidden fees). Find a processor that puts the least markup and fees on top of the interchange rates. Host Merchant Services guarantees the lowest rates and fees. If we can’t beat or match you get $100!
Visa Debit
MasterCard Debit
| Debit Retail Swipe | |
|---|---|
| Visa Debit CPS | 0.800 % + 15¢ |
| Visa Debit CPS Regulated | 0.050 % + 22¢ |
| Visa Debit Prepaid | 1.150 % + 15¢ |
| Visa Debit Business | 1.650 % + 15¢ |
| Visa Debit Business Regulated | 0.050 % + 22¢ |
| Debit Retail Swipe | |
|---|---|
| MC Debit | 1.050 % + 15¢ |
| MC Debit Regulated | 0.050 % + 22¢ |
| MC Debit Prepaid | 1.050 % + 15¢ |
| Debit Keyed | |
|---|---|
| Visa Debit CPS | 1.650 % + 15¢ |
| Visa Debit CPS Regulated | 0.050 % + 22¢ |
| Visa Debit Prepaid | 1.750 % + 20¢ |
| Visa Debit Business | 2.450 % + 10¢ |
| Visa Debit Business Regulated | 0.050 % + 22¢ |
| Debit Keyed | |
|---|---|
| MC Debit Keyed | 1.600 % + 15¢ |
| MC Debit Keyed Regulated | 0.050 % + 22¢ |
| MC Debit Keyed Prepaid | 1.760 % + 20¢ |
Visa Credit
MasterCard Credit
| Retail Swipe | |
|---|---|
| Visa CPS Retail | 1.510 % + 10¢ |
| Visa Rewards Traditional | 1.650 % + 10¢ |
| Visa Rewards Signature | 2.300 % + 10¢ |
| Visa Rewards Signature Preferred | 2.100 % + 10¢ |
| Visa Corporate | 2.100 % + 10¢ |
| Visa Business | 2.200 % + 10¢ |
| Visa Purchasing | 2.400 % + 10¢ |
| Credit Swipe | |
|---|---|
| MC Consumer | 1.580 % + 10¢ |
| MC Enhanced | 1.730 % + 10¢ |
| MC World | 1.770 % + 10¢ |
| MC World Elite | 2.300 % + 10¢ |
| MC Corporate | 1.900 % + 10¢ |
| Credit Keyed | |
|---|---|
| Visa Keyed CPS Retail | 1.800 % + 10¢ |
| Visa Keyed Rewards Traditional | 1.950 % + 10¢ |
| Visa Keyed Rewards Signature | 2.700 % + 10¢ |
| Visa Keyed Rewards Signature Preferred | 2.300 % + 10¢ |
| Visa Keyed Corporate | 2.950 % + 10¢ |
| Visa Keyed Business | 2.950 % + 20¢ |
| Visa Keyed Purchasing | 2.950 % + 10¢ |
| Credit Keyed | |
|---|---|
| MC Keyed Consumer | 1.890 % + 10¢ |
| MC Keyed Enhanced | 2.040 % + 10¢ |
| MC Keyed World | 2.050 % + 10¢ |
| MC Keyed World Elite | 2.950 % + 10¢ |
| MC Keyed Corporate | 2.650 % + 10¢ |
| Real Estate & Property Management | |
|---|---|
| MC Real Estate Consumer | 1.100 % |
| MC Real Estate Enhanced | 1.100 % |
| MC Real Estate World | 1.100 % |
| MC Real Estate World Elite | 2.200 % |
| MC Real Estate Corporate | 2.650 % + 10¢ |
| Charities | |
|---|---|
| Visa Debit (regulated) | 0.050 % + 21¢ |
| Visa Charity Credit | 1.350 % + 5¢ |
| Paypal Donation | 2.200% + 30¢ |
| Charities | |
|---|---|
| MC Debit (regulated) | 0.050 % + 21¢ |
| MC Charity Debit (non-regulated) | 1.450 % + 15¢ |
| MC Charity Credit | 2.000 % + 10¢ |
| Paypal Donation | 2.200% + 30¢ |
Visa International
MasterCard International
| Visa International | |
|---|---|
| Visa International | 1.100 % |
| Visa International Premium | 1.100 % |
| Visa International Corporate | 2.000 % |
| Visa International Keyed | 1.600 % |
| MasterCard International | |
|---|---|
| MC International | 1.100 % |
| MC International Keyed | 1.600 % |
Visa Association Fees
MasterCard Association Fees
| Visa Association Fees | |
|---|---|
| Visa Card-Brand | 0.1300 % |
| Visa NAPF (Network Acquirer Processing Fee) | 1.95¢ |
| Visa Clearing Access | 0.25¢ |
| Visa International Cross-Border | 0.8000 % |
| Visa Intl Acquirer Service Fee | 0.4500 % |
| 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 | |
|---|---|
| MC Card-Brand (Under $1000) | 0.1100 % |
| MC Card-Brand (Over $1000) | 0.1300 % |
| MC ALF (Acquirer License Fee) | 0.0045 % |
| MC NABU (Network Brand Usage Fee) | 0.185¢ |
| MC Account Status Inquiry (on $0 auth) | 2.500¢ |
| MC CVC 2 Authorization Fee | 0.250¢ |
| MC AVS Authorization Fee | 1.000¢ |
| MC Intl Cross-Border Support | 0.6000 % |
| MC International Cross-Border | 0.8500 % |
| MC - Per Location Annual Fee 2016 | $7.50/year |
| MC - Per Location Annual Fee 2017+ | $15/year |