Visa, Mastercard, Amex and Discover

Interchange Rates for 2024

Visa, Mastercard, American Express (AMEX),and Discover update their Interchange rates bi-annually. “Interchange” is the card brands rate to accept payment using a credit card. Discover unbeatable savings with our interchange plus pricing structure – your gateway to the most competitive rates on the market. Unlike tiered and flat-rate pricing, which often come with hefty price tags. Our solution ensures you pay only what's fair and transparent. Say goodbye to overpaying and hello to smarter savings.

Common Visa and MasterCard Interchange Rates 2024

Card Type
Current Interchange Rate
1
Card Type Visa Debit CPS
Current Interchange
Rate 0.80% + 15¢
2
Card Type Visa Debit CPS Regulated
Current Interchange
0.05% + 22¢
3
Card Type MasterCard Debit
Current Interchange
1.05% + 22¢
4
Card Type Visa Credit CPS Retail
Current Interchange
0.05% + 22¢
5
Card Type MasterCard Credit Consumer (Merit III Core)
Current Interchange
1.51% + 10¢

Card Present Visa Debit Interchange

Visa Debit Interchange
Current Interchange Rate
1
Visa Debit Interchange Visa Debit CPS
Current Interchange
0.800% + 15¢
2
Visa Debit Interchange Visa Debit CPS Regulated
Current Interchange
0.050% + 22¢
3
Visa Debit Interchange Visa Debit Prepaid
Current Interchange
1.510% + 15¢
4
Visa Debit Interchange Visa Debit
Current Interchange
1.650% + 15¢
5
Visa Debit Interchange Visa Debit Business Regulated
Current Interchange
0.050% + 22¢
6
Visa Debit Interchange Visa Debit DEB
Current Interchange
1.19% + $0.10

Card Present Mastercard Debit Interchange

Mastercard Debit Interchange
Mastercard Interchange Rate
1
MasterCard Debit Interchange MC Debit
Current Interchange
Rate 1.050% + 15¢
2
MasterCard Debit Interchange MC Debit Regulated
Current Interchange
Rate 0.050% + 22¢
3
MasterCard Debit Interchange MC Debit Prepaid
Current Interchange
Rate 1.050% + 15¢
4
MasterCard Debit Interchange MC Restaurant DEB
Current Interchange
1.19% + $0.10
5
MasterCard Debit Interchange MC Supermarket DEB
Current Interchange
Rate 1.05% + $0.15
6
MasterCard Debit Interchange MC Supermarket Base - Debit REG
Current Interchange
Rate 0.05% + $0.21

Card Not Present Visa Debit Interchange

Keyed Visa Debit Interchange
Visa Interchange Rate
1
Keyed Visa Debit Interchange
Current Interchange
1.650% + 15¢
2
Keyed Visa Debit Interchange Visa Debit CPS Regulated
Current Interchange
0.050% + 22¢
3
Keyed Visa Debit Interchange Visa Debit Prepaid
Current Interchange
1.750% + 20¢
4
Keyed Visa Debit Interchange Visa Debit Business
Current Interchange
2.450% + 10¢
5
Keyed Visa Debit Interchange Visa Debit Business Regulated
Current Interchange
0.050% + 22¢
6
Keyed Visa Debit Interchange Visa Commerce - Basic DEB
Current Interchange
1.65% + $0.15

Card Not Present Mastercard Debit Interchange

Keyed Mc Debit Interchange
Mastercard Interchange Rate
1
Keyed MC Debit Interchange MC Debit Keyed
Current Interchange
Rate 1.600% + 15¢
3
Keyed MC Debit Interchange MC Debit Keyed Prepaid
Current Interchange
0.050% + 22¢
2
Keyed MC Debit Interchange MC Debit Regulated Keyed
Current Interchange
Rate 0.050% + 22¢

Card Present Visa Credit Interchange

Visa Retail Interchange
Visa Interchange Rate
1
Visa Retail Interchange Visa CPS Retail
Current Interchange
1.510% + 10¢
2
Visa Retail Interchange Visa Rewards Traditional
Current Interchange
1.650% + 10¢
3
Visa Retail Interchange Visa Rewards Signature
Current Interchange
2.300% + 10¢
4
Visa Retail Interchange Visa Rewards Signature Preferred
Current Interchange
2.100% + 10¢
5
Visa Retail Interchange Visa Corporate
Current Interchange
2.100% + 10¢
6
Visa Retail Interchange Visa Business
Current Interchange
2.200% + 10¢

Card Present Mastercard Credit Interchange

Mc Retail Interchange
Mastercard Interchange Rate
1
MC Retail Interchange MC Consumer
Current Interchange
1.580% + 10¢
2
MC Retail Interchange MC Enhanced
Current Interchange
1.800% + 10¢
3
MC Retail Interchange MC World
Current Interchange
1.770% + 10¢
4
MC Retail Interchange MC World Elite
Current Interchange
Rate 1.600% + 15¢