Call: 877-517-HOST (4678)

Current Interchange Rates US

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 CPS0.800 % + 15¢
Visa Debit CPS Regulated0.050 % + 22¢
Visa Debit Prepaid1.150 % + 15¢
Visa Debit Business1.650 % + 15¢
Visa Debit Business Regulated 0.050 % + 22¢
Debit Retail Swipe 
MC Debit1.050 % + 15¢
MC Debit Regulated0.050 % + 22¢
MC Debit Prepaid1.050 % + 15¢
Debit Keyed 
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¢
Debit Keyed 
MC Debit Keyed1.600 % + 15¢
MC Debit Keyed Regulated0.050 % + 22¢
MC Debit Keyed Prepaid1.760 % + 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 Donation2.200% + 30¢
Charities
 
MC Debit (regulated)0.050 % + 21¢
MC Charity Debit (non-regulated) 1.450 % + 15¢
MC Charity Credit 2.000 % + 10¢
Paypal Donation2.200% + 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