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.

MasterCard
Card-TypeInterchange Rate
(Swiped)
Interchange Rate
(Keyed)
Mastercard Retail – Debit0.05% + 22¢0.05% + 22¢
Mastercard Retail – Credit Core1.58% + 10¢1.89% + 10¢
Mastercard Retail – Credit Rewards Enhanced1.73% + 10¢2.04% + 10¢
Mastercard Restaurant – Debit0.05% + 22¢
Mastercard Restaurant – Credit1.73% + 10¢
Mastercard Credit Retail World1.77% + 10¢2.05% + 10¢
Mastercard Credit Retail World Elite2.20% + 10¢2.5% + 10¢

Visa
Card-TypeInterchange Rate
(Swiped)
Interchange Rate
(Keyed)
Visa Retail – Debit0.80% + 15¢1.65% + 15¢
Visa Retail – Credit1.51% + 10¢2.10% + 10¢
Visa Retail – Credit Rewards Traditional1.65% + 10¢1.95% + 10¢
Visa Restaurant CPS – Debit1.19% + 10¢1.65% + 15¢
Visa Restaurant CPS – Credit1.54% + 10¢1.80% + 10¢
Visa Credit Restaurant Rewards Traditional1.95% + 10¢
Visa Credit Retail Corporate Commercial2.50% + 10¢2.70% + 10¢
Visa Business – Debit1.70% + 10¢2.45% + 10¢
Visa Business – Credit2.150 + 10¢2.650% + 10¢
*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.