Interchange Rates and Fees

This page was created solely to help explain Interchange pass-through pricing on card transactions accepted at U.S. merchants and is subject to change without notice.

To view the most recent Interchange announcements as well as the history of Interchange changes since 2005 please visit

Interchange rates and fees are paid to card issuing banks and represent the largest component of a merchant’s discount rate pricing. Interchange rates may vary based on the type of card presented, the method of acceptance, the merchant category code and more.

Instant Quote: To find the Interchange rates most applicable to your business, take 60 seconds to customize a direct Interchange proposal and make modifications in real-time using the advanced calculator features.

A proposal must be generated to view Discover and AmEx rates.

Visa MasterCard
Consumer Credit Cards Consumer Credit Cards
Signature Debit Cards Signature Debit Cards
Prepaid Cards
Rewards Cards Rewards Cards
Commercial Cards Commercial Cards
International Cards International Cards
Credit Voucher Credit Voucher

Important Disclaimer
This documentation represents common Interchange categories, charge and card types and does not include all Interchange levels. Information is subject to change. While we endeavor to make the information accurate, we do not warrant the completeness, timeliness, or suitability of the information for your specific needs. In addition, the summaries and information contained in this document do not substitute for the official card brand publications including Visa USA Interchange & MasterCard Interchange.

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