Pricing

Visa / Mastercard/ Discover Interchange

Interchange is the fee collected by the customer’s credit card 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. The interchange rates are part of our Cost+ pricing program. The tables below provide a breakdown of the current interchange rates.

Visa Debit

Debit Retail Swipe

Visa Debit CPS0.800 % + 15¢
Visa Debit CPS Regulated0.050 % + 22¢
Visa Debit Prepaid1.150 % + 15¢
Visa Debit Business1.650 % + 15¢
Visa Debit Business Regulated0.050 % +22¢
MasterCard Debit

Debit Retail Swipe

MC Debit1.050 % + 15¢
MC Debit Regulated0.050 % + 22¢
MC Debit Prepaid1.050 % + 15¢

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¢

Debit Keyed

MC Debit Keyed1.600 % + 15¢
MC Debit Keyed Regulated0.050 % + 22¢
MC Debit Keyed Prepaid1.760 % + 20¢
Visa Credit

Retail Swipe

Visa CPS Retail1.510 % + 10¢
Visa Rewards Traditional1.650 % + 10¢
Visa Rewards Signature2.300 % + 10¢
Visa Rewards Signature Preferred2.100 % + 10¢
Visa Corporate2.100 % + 10¢
Visa Business2.200 % + 10¢
Visa Purchasing2.400 % + 10¢
Master Card Credit

Retail Swipe

MC Consumer1.580 % + 10¢
MC Enhanced1.730 % + 10¢
MC World1.770 % + 10¢
MC World Elite2.300 % + 10¢
MC Corporate1.900 % + 10¢

Keyed

Visa Keyed CPS Retail1.800 % + 10¢
Visa Keyed Rewards Traditional1.950 % + 10¢
Visa Keyed Rewards Signature2.700 % + 10¢
Visa Keyed Rewards Signature Preferred2.300 % + 10¢
Visa Keyed Corporate2.950 % + 10¢
Visa Keyed Business2.950 % + 20¢
Visa Keyed Purchasing2.950 % + 10¢

Keyed

MC Keyed Consumer1.890 % + 10¢
MC Keyed Enhanced2.040 % + 10¢
MC Keyed World2.050 % + 10¢
MC Keyed World Elite2.950 % + 10¢
MC Keyed Corporate2.650 % + 10¢

International

Visa International1.100 %
Visa International Premium1.100 %
Visa International Corporate2.000 %
Visa International Keyed1.600 %

International

MC International1.100 %
MC International Keyed1.600 %

Real Estate & Property Management

MC Real Estate Consumer1.100 %
MC Real Estate Enhanced1.100 %
MC Real Estate World1.100 %
MC Real Estate World Elite2.200 %
MC Real Estate Corporate2.650 % + 10¢

Charities

MC Charity Debit (non-regulated)1.450 % + 15¢
MC Charity Credit2.000 % + 10¢
Visa Card-Brand0.1300 %
Visa NAPF (Network Acquirer Processing Fee)1.95¢
Visa Clearing Access0.25¢
Visa International Cross-Border0.8000 %
Visa Intl Acquirer Service Fee0.4500 %
Visa FANF (Fixed Acquirer Network Fee)0.4500 %
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
MC Card-Brand (Under $1000)0.1100 %
MC Card-Brand (Over $1000)0.1300 %
MC ALF (Acquirer License Fee)0.0045 %
MC NABU (Network Brand Usage Fee)0.185¢
MC Account Status Inquiry (on $0 auth)2.500¢
MC CVC 2 Authorization Fee0.250¢
MC AVS Authorization Fee1.000¢
MasterCard Intl Cross-Border Support0.6000 %
MasterCard International Cross-Border0.8500 %

Association Fee

Visa Card-Brand0.1300 %MC Card-Brand (Under $1000)0.1100 %
Visa NAPF (Network Acquirer Processing Fee)1.95¢MC Card-Brand (Over $1000)0.1300 %
Visa Clearing Access0.25¢MC ALF (Acquirer License Fee)0.0045 %
MC NABU (Network Brand Usage Fee)0.185¢
MC Account Status Inquiry (on $0 auth)2.500¢
Visa International Cross-Border0.8000 %MC CVC 2 Authorization Fee0.250¢
Visa Intl Acquirer Service Fee0.4500 %MC AVS Authorization Fee1.000¢
Visa FANF (Fixed Acquirer Network Fee)MasterCard Intl Cross-Border Support0.6000 %
Visa FANF – Card-Present Per Location$2/mthMasterCard International Cross-Border0.8500 %
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

Association Fees

Part of American Express’ ongoing efforts to increase the acceptance of their credit card in more merchant location, they have introduced an Interchange program called ‘Opt-Blue’. The interchange rates are part of our Cost+ pricing program. The tables below provide a breakdown of the current interchange rates.

American Express – Opt-Blue Interchange Rates

Association Fee

IndustryTransaction SizeInterchange
AMEX RETAIL< $751.60 % + 10¢
AMEX RETAIL< $1,0001.95 % + 10¢
AMEX RETAIL> $1,0002.40 % + 10¢
AMEX SERVICES< $4001.60 % + 10¢
AMEX SERVICES< $3,0001.95 % + 10¢
AMEX SERVICES> $3,0002.40 % + 10¢
AMEX RESTAURANT< $251.85 % + 10¢
AMEX RESTAURANT< $1502.45 % + 10¢
AMEX RESTAURANT> $1502.75 % + 10¢
AMEX CATERERS< $251.85 % + 10¢
AMEX CATERERS< $1502.45 % + 10¢
AMEX CATERERS> $1502.75 % + 10¢
AMEX MAIL ORDER & INTERN< $1501.70 % + 10¢
AMEX MAIL ORDER & INTERN< $3,0002.05 % + 10¢
AMEX MAIL ORDER & INTERN> $3,0002.50 % + 10¢
AMEX HEALTHCARE< $1501.55 % + 10¢
AMEX HEALTHCARE< $2,0001.85 % + 10¢
AMEX HEALTHCARE> $2,0002.30 % + 10¢
AMEX B2B/WHOLESALE< $4001.55 % + 10¢
AMEX B2B/WHOLESALE< $7,5001.80 % + 10¢
AMEX B2B/WHOLESALE> $7,5002.25 % + 10¢
AMEX LODGING< $1002.25 % + 10¢
AMEX LODGING< $1,0002.60 % + 10¢
AMEX LODGING> $1,0003.00 % + 10¢
AMEX T&E< $1002.25 % + 10¢
AMEX T&E< $1,0002.60 % + 10¢
AMEX T&E> $1,0003.00 % + 10¢
AMEX PREPAID< $751.35 % + 10¢
AMEX PREPAID< $1,0001.70 % + 10¢
AMEX PREPAID> $1,0002.15 % + 10¢
AMEX OTHER< $1001.50 % + 10¢
AMEX OTHER< $3,0001.85 % + 10¢
AMEX OTHER> $3,0002.30 % + 10¢
AMEX NETWORK FEES Applies to all transactions.0.15%
AMEX ACQUIRER BUYRATE Applies to all transactions. Combined with standard Interchange+ margin when displayed on statement.0.30%
AMEX INTL CROSS BORDER FEE Applies to all international transactions.0.40%
AMEX KEYED FEE Applies to all manually keyed transactions.0.30%
AMEX ACCESS FEE Only applies to merchants processing between $500,000 – $1,000,000 in annual Amex volume for merchants converted from ESA program.0.30%

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