Debit Retail Swipe
Visa Debit CPS | 0.800 % + 15¢ |
Visa Debit CPS Regulated | 0.050 % + 22¢ |
Visa Debit Prepaid | 1.150 % + 15¢ |
Visa Debit Business | 1.650 % + 15¢ |
Visa Debit Business Regulated | 0.050 % +22¢ |
Debit Retail Swipe
MC Debit | 1.050 % + 15¢ |
MC Debit Regulated | 0.050 % + 22¢ |
MC Debit Prepaid | 1.050 % + 15¢ |
Debit Keyed
Visa Debit Keyed CPS | 1.650 % + 15¢ |
Visa Debit Keyed CPS Regulated | 0.050 % + 22¢ |
Visa Debit Keyed Prepaid | 1.750 % + 20¢ |
Visa Debit Keyed Business | 2.450 % + 10¢ |
Visa Debit Keyed Business Regulated | 0.050 % + 22¢ |
Debit Retail Swipe
MC Debit Keyed | 1.600 % + 15¢ |
MC Debit Keyed Regulated | 0.050 % + 22¢ |
MC Debit Keyed Prepaid | 1.760 % + 20¢ |
Retail Swipe
Visa CPS Retail | 1.510 % + 10¢ |
Visa Rewards Traditional | 1.650 % + 10¢ |
Visa Rewards Signature | 2.300 % + 10¢ |
Visa Rewards Signature Preferred | 2.100 % + 10¢ |
Visa Corporate | 2.100 % + 10¢ |
Visa Business | 2.200 % + 10¢ |
Visa Purchasing | 2.400 % + 10¢ |
Retail Swipe
MC Consumer | 1.580 % + 10¢ |
MC Enhanced | 1.730 % + 10¢ |
MC World | 1.770 % + 10¢ |
MC World Elite | 2.300 % + 10¢ |
MC Corporate | 1.900 % + 10¢ |
Keyed
Visa Keyed CPS Retail | 1.800 % + 10¢ |
Visa Keyed Rewards Traditional | 1.950 % + 10¢ |
Visa Keyed Rewards Signature | 2.700 % + 10¢ |
Visa Keyed Rewards Signature Preferred | 2.300 % + 10¢ |
Visa Keyed Corporate | 2.950 % + 10¢ |
Visa Keyed Business | 2.950 % + 20¢ |
Visa Keyed Purchasing | 2.950 % + 10¢ |
Keyed
MC Keyed Consumer | 1.890 % + 10¢ |
MC Keyed Enhanced | 2.040 % + 10¢ |
MC Keyed World | 2.050 % + 10¢ |
MC Keyed World Elite | 2.950 % + 10¢ |
MC Keyed Corporate | 2.650 % + 10¢ |
International
Visa International | 1.100 % |
Visa International Premium | 1.100 % |
Visa International Corporate | 2.000 % |
Visa International Keyed | 1.600 % |
Real Estate & Property Management
MC Real Estate Consumer | 1.100 % |
MC Real Estate Enhanced | 1.100 % |
MC Real Estate World | 1.100 % |
MC Real Estate World Elite | 2.200 % |
MC Real Estate Corporate | 2.650 % + 10¢ |
International
MC International | 1.100 % |
MC International Keyed | 1.600 % |
Visa Card-Brand | 0.1300 % |
Visa NAPF (Network Acquirer Processing Fee) | 1.95¢ |
Visa Clearing Access | 0.25¢ |
Visa International Cross-Border | 0.8000 % |
Visa Intl Acquirer Service Fee | 0.4500 % |
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 |
Charities
MC Charity Debit (non-regulated) | 1.450 % + 15¢ |
MC Charity Credit | 2.000 % + 10¢ |
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 Fee | 0.250¢ |
MC AVS Authorization Fee | 1.000¢ |
MasterCard Intl Cross-Border Support | 0.6000 % |
MasterCard International Cross-Border | 0.8500 % |
Visa Card-Brand | 0.1300 % | MC Card-Brand (Under $1000) | 0.1100 % |
Visa NAPF (Network Acquirer Processing Fee) | 1.95¢ | MC Card-Brand (Over $1000) | 0.1300 % |
Visa Clearing Access | 0.25¢ | MC ALF (Acquirer License Fee) | 0.0045 % |
Visa International Cross-Border | 0.8000 % | MC NABU (Network Brand Usage Fee) | 0.185¢ |
Visa Intl Acquirer Service Fee | 0.4500 % | MC Account Status Inquiry (on $0 auth) | 2.500¢ |
Visa FANF (Fixed Acquirer Network Fee) | MC CVC 2 Authorization Fee | 0.250¢ | |
Visa FANF – Card-Present Per Location | $2/mth | MC AVS Authorization Fee | 1.000¢ |
Visa FANF – Keyed Volume $1,000 – $3,999 | $7/mth | MasterCard Intl Cross-Border Support | 0.6000 % |
Visa FANF – Keyed Volume $4,000 – $7,999 | $9/mth | MasterCard International Cross-Border | 0.8500 % |
Visa FANF – Keyed Volume $8,000 – $39,999 | $15/mth | ||
Visa FANF – Keyed Volume $40,000 – $199,999 | $45/mth |
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.
Industry | Transaction Size | Interchange |
AMEX RETAIL | < $75 | 1.60 % + 10¢ |
AMEX RETAIL | < $1,000 | 1.95 % + 10¢ |
AMEX RETAIL | > $1,000 | 2.40 % + 10¢ |
AMEX SERVICES | < $400 | 1.60 % + 10¢ |
AMEX SERVICES | < $3,000 | 1.95 % + 10¢ |
AMEX SERVICES | > $3,000 | 2.40 % + 10¢ |
AMEX RESTAURANT | < $25 | 1.85 % + 10¢ |
AMEX RESTAURANT | < $150 | 2.45 % + 10¢ |
AMEX RESTAURANT | > $150 | 2.75 % + 10¢ |
AMEX CATERERS | < $25 | 1.85 % + 10¢ |
AMEX CATERERS | < $150 | 2.45 % + 10¢ |
AMEX CATERERS | > $150 | 2.75 % + 10¢ |
AMEX MAIL ORDER & INTERN | < $150 | 1.70 % + 10¢ |
AMEX MAIL ORDER & INTERN | < $3,000 | 2.05 % + 10¢ |
AMEX MAIL ORDER & INTERN | > $3,000 | 2.50 % + 10¢ |
AMEX HEALTHCARE | < $150 | 1.55 % + 10¢ |
AMEX HEALTHCARE | < $2,000 | 1.85 % + 10¢ |
AMEX HEALTHCARE | > $2,000 | 2.30 % + 10¢ |
AMEX B2B/WHOLESALE | < $400 | 1.55 % + 10¢ |
AMEX B2B/WHOLESALE | < $7,500 | 1.80 % + 10¢ |
AMEX B2B/WHOLESALE | > $7,500 | 2.25 % + 10¢ |
AMEX LODGING | < $100 | 2.25 % + 10¢ |
AMEX LODGING | < $1,000 | 2.60 % + 10¢ |
AMEX LODGING | > $1,000 | 3.00 % + 10¢ |
AMEX T&E | < $100 | 2.25 % + 10¢ |
AMEX T&E | < $1,000 | 2.60 % + 10¢ |
AMEX T&E | > $1,000 | 3.00 % + 10¢ |
AMEX PREPAID | < $75 | 1.35 % + 10¢ |
AMEX PREPAID | < $1,000 | 1.70 % + 10¢ |
AMEX PREPAID | > $1,000 | 2.15 % + 10¢ |
AMEX OTHER | < $100 | 1.50 % + 10¢ |
AMEX OTHER | < $3,000 | 1.85 % + 10¢ |
AMEX OTHER | > $3,000 | 2.30 % + 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% |