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Visa Lodging and Car Rental CPS

Visa Hotel car rental CPS

Special Hotel and Car Rental Interchange 

Visa gives special interchange rates to Hotels, lodging, and auto-rental merchants because they take “extended authorizations”. Extended authorizations are when the card is authorized for a transaction but may be altered later on, for instance when a car is returned or hotel room is inspected. Longer authorization time frames are granted by visa for these merchant types, though they are also required to submit additional information to qualify for the special rates.

Hotel and Rental Car Interchange Qualifications 

Card Present:

  • Merchant must be classified as a Hotel/Lodging Merchant (MCC 7011, MCC 3519 through MCC 3828) or Auto Rental Merchant (MCC 7512, MCC 3351 through MCC 3518).
  • The transaction must use magnetic stripe (swipe) or EMV chip data read and include customers signature.
  • Hotels can settle within 15% of the authorized total including incrementals and reversals. The transaction must include check-in date and duration of stay, folio number, no show and extra charge indicators.
  • Car Rental businesses can settle within 15% or $75 – whichever is greater. The transaction must include rental return date and duration, Rental Agreement number, and no show and extra charge indicators.
  • Transactions must be settled within one day of check-out/rental return date.

Card NOT Present:

(E-Commerce / Keyed)

  • Merchant must be classified as a Hotel/Lodging Merchant (MCC 7011, MCC 3519 through MCC 3828) or Auto Rental Merchant (MCC 7512, MCC 3351 through MCC 3518).
  • E-Commerce transactions must perform a Cardholder Authentication Verification Value (CVV) with an ECI Indicator of 5 or 6.
  • Hotels can settle within 15% of the authorized total including incrementals and reversals. The transaction must include check-in date and duration of stay, folio number, no show and extra charge indicators, preferred customer indicator.
  • Car Rental businesses can settle within 15% or $75 – whichever is greater. The transaction must include rental return date and duration, Rental Agreement number, and no show and extra charge indicators.
  • Transactions must be settled within one day of check-out/rental return date.
Visa Hotel/Car Rental Card TypeInterchange Rates
CPS Lodging/Car-Rental DebitSwipe - 1.19% + 10¢
Key - 1.70% + 15¢
Downgrade - 1.75% + 20¢
Visa Regulated DebitSwipe - 0.05% + 22¢
*This card does not downgrade.
CPS Lodging/Car-Rental PrepaidSwipe - 1.15% + 15¢
Key - 1.75% + 20¢
Downgrade - 1.80% + 20¢
CPS Lodging/Car-RentalSwipe - 1.54% + 10¢
Downgrade - 2.30% + 10¢
CPS Rewards 2Swipe - 1.95% + 10¢
Downgrade - 2.30% + 10¢
Signature Preferred ElectronicSwipe - 2.40% + 10¢
Downgrade - 2.95% + 10¢

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