Current US Interchange Rates
The term “Interchange rate” refers to the fees charged by the card companies for use of their cards. These card companies include Visa, Mastercard, AMEX, Discover. Interchange rates change twice a year – in April and October. Payment processing companies make money by putting a markup on top of the interchange rate. This is called cost-plus or interchange plus pricing. “Interchange” being the card company rate and “plus” being the markup by the payment processor. Interchange-plus pricing structure has the lowest rates and compared to all other pricing structures, including tiered and flat rate pricing which are much more expensive.
Common Visa and MasterCard Interchange Rates
| Card Type | Interchange Rate |
|---|---|
| Visa Debit CPS | 0.800 % + 15¢ |
| Visa Debit CPS Regulated | 0.050 % + 22¢ |
| MasterCard Debit | 1.050 % + 22¢ |
| MasterCard Debit Regulated | 0.050 % + 15¢ |
| Visa Credit CPS Retail | 1.510 % + 10¢ |
| MasterCard Credit Consumer | 1.580 % + 10¢ |
All Visa and MasterCard Interchange Rates
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 |