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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.
| 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 % |
| 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) | |
| 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 Fee | 0.250¢ |
| MC AVS Authorization Fee | 1.000¢ |
| MasterCard Intl Cross-Border Support | 0.6000 % |
| MasterCard International Cross-Border | 0.8500 % |
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% |
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