Interchange Rates
Keep up to date with the current
interchange rates for Visa and MasterCard
Interchange is the fee collected by the customer’s credit card issuing bank on every transaction. These rates are set by Visa and Mastercard every year and apply to ALL processors. In other words, this is the true cost that the processor has to pay on every transaction.
MasterCard
Card-Type | Interchange Rate (Swiped) | Interchange Rate (Keyed) |
---|---|---|
Mastercard Retail – Debit | 0.05% + 22¢ | 0.05% + 22¢ |
Mastercard Retail – Credit Core | 1.58% + 10¢ | 1.89% + 10¢ |
Mastercard Retail – Credit Rewards Enhanced | 1.73% + 10¢ | 2.04% + 10¢ |
Mastercard Restaurant – Debit | 0.05% + 22¢ | |
Mastercard Restaurant – Credit | 1.73% + 10¢ | |
Mastercard Credit Retail World | 1.77% + 10¢ | 2.05% + 10¢ |
Mastercard Credit Retail World Elite | 2.20% + 10¢ | 2.5% + 10¢ |
Visa
Card-Type | Interchange Rate (Swiped) | Interchange Rate (Keyed) |
---|---|---|
Visa Retail – Debit | 0.80% + 15¢ | 1.65% + 15¢ |
Visa Retail – Credit | 1.51% + 10¢ | 2.10% + 10¢ |
Visa Retail – Credit Rewards Traditional | 1.65% + 10¢ | 1.95% + 10¢ |
Visa Restaurant CPS – Debit | 1.19% + 10¢ | 1.65% + 15¢ |
Visa Restaurant CPS – Credit | 1.54% + 10¢ | 1.80% + 10¢ |
Visa Credit Restaurant Rewards Traditional | 1.95% + 10¢ | |
Visa Credit Retail Corporate Commercial | 2.50% + 10¢ | 2.70% + 10¢ |
Visa Business – Debit | 1.70% + 10¢ | 2.45% + 10¢ |
Visa Business – Credit | 2.150 + 10¢ | 2.650% + 10¢ |
Visa Regulation Fees
Mastercard Interchange
**Merchants are impacted by these MasterCard Integrity Fees when authorizations are not cleared or reversed within 30 days of pre-authorizations or 7 days of final sale.