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” is the card company rate and the “plus” is the markup by the payment processor. The interchange-plus pricing structure has the lowest 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 | Interchange Rate |
|---|---|
| Visa Debit CPS | 0.80% + 15¢ |
| Visa Debit CPS Regulated | 0.05% + 22¢ |
| MasterCard Debit | 1.05% + 22¢ |
| MasterCard Debit Regulated | 0.05% + 22¢ |
| Visa Credit CPS Retail | 1.51% + 10¢ |
| MasterCard Credit Consumer (Merit III Core) | 1.58% + 10¢ |
Common Visa and MasterCard Interchange Rates
Visa Debit
| Debit Retail Swipe | Interchange Rate |
|---|---|
| Visa Debit CPS | 0.800% + 15¢ |
| Visa Debit CPS Regulated | 0.050% + 22¢ |
| Visa Debit Prepaid | 1.510% + 15¢ |
| Visa Debit Business | 1.650% + 15¢ |
| Visa Debit Business Regulated | 0.050% + 22¢ |
MasterCard Debit
| Debit Retail Swipe | Interchange Rate |
|---|---|
| MC Debit | 1.050% + 15¢ |
| MC Debit Regulated | 0.050% + 22¢ |
| MC Debit Prepaid | 1.050% + 15¢ |
Visa Debit
| Debit Keyed | Interchange Rate |
|---|---|
| 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¢ |
MasterCard Debit
| Debit Keyed | Interchange Rate |
|---|---|
| MC Debit Keyed | 1.600% + 15¢ |
| MC Debit Regulated Keyed | 0.050% + 22¢ |
| MC Debit Keyed Prepaid | 1.760% + 20¢ |
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Visa Credit
| Retail Swipe | Interchange Rate |
|---|---|
| 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¢ |
MasterCard Credit
| Credit Swipe | Interchange Rate |
|---|---|
| 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¢ |
Visa Credit
| Credit Keyed | Interchange Rate |
|---|---|
| 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¢ |
MasterCard Credit
| Credit Keyed | Interchange Rate |
|---|---|
| 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 | Interchange Rate |
|---|---|
| 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¢ |
Visa Charity
| Charities | Interchange Rate |
|---|---|
| Visa Debit (Regulated) | 0.050% + 22¢ |
| Visa Charity Credit | 1.350% + 5¢ |
| Paypal Donation | 2.200% + 30¢ |
MasterCard Charity
| Charities | Interchange Rate |
|---|---|
| MC Debit (Regulated) | 0.050% + 22¢ |
| MC Charity Debit (Non-regulated) | 1.450% + 15¢ |
| MC Charity Credit | 2.000% + 10¢ |
| Paypal Donation | 2.200% + 30¢ |
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Visa International
| Visa International | Interchange Rate |
|---|---|
| Visa International | 1.100% |
| Visa International Premium | 1.100% |
| Visa International Corporate | 2.000% |
| Visa International Keyed | 1.600% |
MasterCard International
| MasterCard International | Interchange Rate |
|---|---|
| MC International | 1.100% |
| MC International Keyed | 1.600% |
Visa Association Fees
| Visa Association Fees | Interchange Rate |
|---|---|
| Visa Card-Brand Credit Acquirer Service Fee | 0.1400% |
| Visa Card-Brand Debit Acquirer Service Fee | 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
| 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 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 |
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