Interchange rates and fees are paid to card issuing banks and represent the largest component of a merchant’s discount rate pricing.
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.
Credit Voucher Interchange fees are paid to the merchant acquirer (processor or service provider) by the card issuer when cardholder refunds are processed. This is the reverse of what happens during a sale transaction where the merchant pays a discount rate to accept the card payment. Recommended reading: The Essential Merchant Guide to Card Payment Refunds.
| MasterCard Interchange for Credit Voucher | Issuing Bank Interchange |
|---|---|
| MasterCard Commercial Refund Group 1 | -2.37% + $0.00 |
| MasterCard Commercial Refund Group 2 | -2.30% + $0.00 |
| MasterCard Commercial Refund Group 3 | -2.21% + $0.00 |
| MasterCard Commercial Refund Group 4 | -2.16% + $0.00 |
| MasterCard Consumer Credit Refund Group 1 | -2.42% + $0.00 |
| MasterCard Consumer Credit Refund Group 2 | -2.09% + $0.00 |
| MasterCard Consumer Credit Refund Group 3 | -1.95% + $0.00 |
| MasterCard Consumer Credit Refund Group 4 | -1.82% + $0.00 |
| MasterCard Consumer Credit Refund Group 5 | -1.73% + $0.00 |
| MasterCard Consumer Debit Refund Group 1 | -1.72% + $0.00 |
| MasterCard Consumer Debit Refund Group 2 | -1.68% + $0.00 |
| MasterCard Consumer Debit Refund Group 3 | -1.40% + $0.00 |
| MasterCard Consumer Refund Group 1 Prepaid | -1.72% + $0.00 |
| MasterCard Consumer Refund Group 2 Prepaid | -1.68% + $0.00 |
| MasterCard Consumer Refund Group 3 Prepaid | -1.40% + $0.00 |
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 Association publications including Visa USA Interchange & MasterCard Interchange.
Please report problems or errors you find to us at merchantrates@vantagecard.com
