Save on Credit Card Processing With Payment Depot

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

Card-TypeInterchange Rate
Debit Card-Present
MC Debit1.050% + 15¢
MC Debit Regulated0.050 % + 22¢
MC Debit Prepaid1.050 % + 15¢
Debit Keyed
MC Debit Keyed1.650 % + 15¢
MC Debit Keyed Regulated0.050 % + 22¢
MC Debit Keyed Prepaid1.760 % + 20¢
Credit Card-Present
MC Consumer1.580 % + 10¢
MC Enhanced1.730 % + 10¢
MC World1.770 % + 10¢
MC World Elite2.200 % + 10¢
MC Corporate2.700 % + 10¢
Credit Keyed
MC Keyed Consumer1.890 % + 10¢
MC Keyed Enhanced2.040 % + 10¢
MC Keyed World2.050 % + 10¢
MC Keyed World Elite2.500 % + 10¢
MC Keyed Corporate2.700 % + 10¢
Real Estate & Property Management
MC Real Estate Consumer1.100 % + 10¢
MC Real Estate Enhanced1.100 % + 10¢
MC Real Estate World1.100 % + 10¢
MC Real Estate World Elite2.200 % + 10¢
MC Real Estate Corporate2.700 % + 10¢
Charities
MC Charity Debit (non-regulated)1.450 % + 15¢
MC Charity Credit2.000 % + 10¢
International
MC International1.100 %
MC International Keyed1.600 %
Level 2 Data
Corporate, Purchasing & Fleet2.500 % + 10¢
Business Card (L1)1.900 % + 10¢
Business Card (L2)2.050 % + 10¢
Business Card (L3)2.100 % + 10¢
Business Card (L4)2.200 % + 10¢
Business Debit Card2.100 % + 10
Level 3 Data
Corporate, Purchasing & Fleet1.900 % + 10¢
Large Ticket – Corporate, Purchasing & Fleet     $7,254+1.450 % + $35

Assessments and Association Fees
MC Card-Brand (Under $1,000)0.1300 %
MC Card-Brand (Over $1,000)0.1400 %
MC ALF (Acquirer License Fee)0.0047 %
MC NABU (Network Brand Usage Fee)$0.0195
MC Account Status Inquiry (on $0 auth)$0.0250
MC CVC 2 Authorization Fee$0.0025
MC AVS Authorization Fee$0.0100
MC Intl Cross-Border Support0.6000 %
MC International Cross-Border0.8500 %
MC – Per Location Annual Fee$1.25/month
Authorization Integrity Fees**
Final Authorization Fee0.0283%
Final Authorization Fee (minimum for above)$0.0452
Pre-Authorization Penalty$0.05085
Undefined Authorization Penalty$0.05085
Line Item Penalty$0.0136
*Above are the most common interchange qualifications. For a complete list of US interchange rates, please visit the Visa and MasterCard websites below:
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.
Card-TypeInterchange Rate
Debit Card-Present
Visa Debit CPS0.800 % + 15¢
Visa Debit CPS Regulated0.050 % + 22¢
Visa Debit Prepaid1.150 % + 15¢
Visa Debit Business1.700 % + 15¢
Visa Debit Business Regulated0.050 % + 22¢
Debit Keyed
Visa Debit Keyed CPS1.650 % + 15¢
Visa Debit Keyed CPS Regulated0.050 % + 22¢
Visa Debit Keyed Prepaid1.750 % + 20¢
Visa Debit Keyed Business2.450 % + 10¢
Visa Debit Keyed Business Regulated0.050 % + 22¢
Credit Card-Present
Visa CPS Retail1.510 % + 10¢
Visa Rewards Traditional1.650 % + 10¢
Visa Rewards Signature2.300 % + 10¢
Visa Rewards Signature Preferred2.100 % + 10¢
Visa Corporate2.500 % + 10¢
Visa Business2.200 % + 10¢
Visa Purchasing2.500 % + 10¢
Credit Keyed
Visa Keyed CPS Retail1.800 % + 10¢
Visa Keyed Rewards Traditional1.950 % + 10¢
Visa Keyed Rewards Signature2.700 % + 10¢
Visa Keyed Rewards Signature Preferred2.400 % + 10¢
Visa Keyed Corporate2.700 % + 10¢
Visa Keyed Business2.250 % + 20¢
Visa Keyed Purchasing2.250 % + 20¢
International
Visa International1.100 %
Visa International Premium1.800 %
Visa International Corporate2.000 %
Visa International Keyed1.600 %
Level 2 Data
Corporate & Purchasing2.050 % + 10¢
Business Card (Tier 1)2.050 % + 10¢
Business Card (Tier 2)2.050 % + 10¢
Business Card (Tier 3)2.050 % + 10¢
Business Card (Tier 4)2.200 % + 10¢
Level 3 Data
Corporate & Purchasing1.900 % + 10¢
Large Ticket – Corporate & Purchasing $8,725+1.450% + $35
Large Ticket – Government $5,984+1.200% + $39

Assessments and Association Fees
Visa Card-Brand0.1400%
Visa NAPF (Network Acquirer Processing Fee) – Credit$0.0195
Visa NAPF (Network Acquirer Processing Fee) – Debit$0.0155
Visa Clearing Access$0.0025
Visa International Cross-Border1.0000 %
Visa Intl Acquirer Service Fee0.4500 %
Visa Intl Acquirer Processing Fee – Credit$0.0355
Visa Intl Acquirer Processing Fee – Debit$0.0395
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
*Above are the most common interchange qualifications. For a complete list of US interchange rates, visit the Visa website below:
Visa Regulation Fees