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.

Visa Interchange for Consumer Credit Cards Issuing Bank Interchange
Visa Consumer Credit Charity Fee Program 1.35% + $0.05
Visa Consumer Credit CPS/Account Funding 2.14% + $0.10
Visa Consumer Credit CPS/Automated Fuel Dispenser 1.15% + $0.25
Visa Consumer Credit CPS/Car Rental (Card Not Present) 1.54% + $0.10
Visa Consumer Credit CPS/Car Rental (Card Present) 1.54% + $0.10
Visa Consumer Credit CPS/Card Not Present 1.80% + $0.10
Visa Consumer Credit CPS/Electronic Commerce Preferred-Car Rental 1.54% + $0.10
Visa Consumer Credit CPS/Electronic Commerce Preferred-Hotel 1.54% + $0.10
Visa Consumer Credit CPS/Electronic Commerce Preferred-Passenger Transport 1.70% + $0.10
Visa Consumer Credit CPS/Electronic Commerce-Basic 1.80% + $0.10
Visa Consumer Credit CPS/Electronic Commerce-Pref 1.80% + $0.10
Visa Consumer Credit CPS/Hotel (Card Not Present) 1.54% + $0.10
Visa Consumer Credit CPS/Hotel (Card Present) 1.54% + $0.10
Visa Consumer Credit CPS/Passenger Transport 1.70% + $0.10
Visa Consumer Credit CPS/Restaurant 1.54% + $0.10
Visa Consumer Credit CPS/Retail 2-Developing Markets 1.43% + $0.05
Visa Consumer Credit CPS/Retail Key Entry 1.80% + $0.10
Visa Consumer Credit CPS/Retail-all other 1.51% + $0.10
Visa Consumer Credit CPS/Service Station 1.15% + $0.25
Visa Consumer Credit CPS/Small Ticket <$15 (swiped) 1.65% + $0.04
Visa Consumer Credit CPS/Supermarket-all other 1.24% + $0.05
Visa Consumer Credit CPS/Utility Program 0.00% + $0.75
Visa Consumer Credit Electronic Interchange Rate (EIRF) 2.30% + $0.10
Visa Consumer Credit Standard 2.70% + $0.10
Visa Passenger Transport Card Not Present 1.70% + $0.10

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