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.

Please note that Regulated Debit Interchange applies to both card present and card not present transactions. Regulated refers to the Government regulations under the Dodd-Frank financial reform bill which contained the Durbin Amendment which instructed the Federal Reserve to regulate debit Interchange rates for banks over $10 billion. All other debit rates apply to exempt debit card transactions issued from banks under $10 billion.

Visa Interchange for Signature Debit Cards Issuing Bank Interchange
Visa Consumer Debit CPS / Fuel Maximum 0.00% + $0.95
Visa Consumer Debit CPS/Account Funding-Debit 1.75% + $0.20
Visa Consumer Debit CPS/Automated Fuel Dispenser 0.80% + $0.15
Visa Consumer Debit CPS/Car Rental (Card Not Present) 1.70% + $0.15
Visa Consumer Debit CPS/Car Rental (Card Present) 1.19% + $0.10
Visa Consumer Debit CPS/Card Not Present-Debit 1.60% + $0.15
Visa Consumer Debit CPS/Debit Tax Payment 1 *Registration 0.00% + $2.50
Visa Consumer Debit CPS/Debit Tax Payment 2 *Registration 0.00% + $0.00
Visa Consumer Debit CPS/Debt Repayment 0.35% + $0.50
Visa Consumer Debit CPS/Electronic Commerce Pref-Car Rental 1.70% + $0.15
Visa Consumer Debit CPS/Electronic Commerce Pref-Hotel 1.70% + $0.15
Visa Consumer Debit CPS/Electronic Commerce Pref-Passenger Transport 1.70% + $0.15
Visa Consumer Debit CPS/Electronic Commerce-Basic 1.65% + $0.15
Visa Consumer Debit CPS/Electronic Commerce-Pref Debit 1.60% + $0.15
Visa Consumer Debit CPS/Hotel (Card Not Present) 1.70% + $0.15
Visa Consumer Debit CPS/Hotel (Card Present) 1.19% + $0.10
Visa Consumer Debit CPS/Passenger Transport 1.19% + $0.10
Visa Consumer Debit CPS/Restaurant 1.19% + $0.10
Visa Consumer Debit CPS/Retail 2-Developing Markets 0.80% + $0.25
Visa Consumer Debit CPS/Retail Credit-Debit 0.80% + $0.15
Visa Consumer Debit CPS/Retail Key Entry-Debit 1.65% + $0.15
Visa Consumer Debit CPS/Service Station 0.80% + $0.15
Visa Consumer Debit CPS/Small Ticket <$15 (swiped) 1.55% + $0.04
Visa Consumer Debit CPS/Supermarket Debit-Maximum 0.00% + $0.35
Visa Consumer Debit CPS/Utility Program 0.00% + $0.75
Visa Consumer Debit Electronic Interchange Rate (EIRF) 1.75% + $0.20
Visa Consumer Debit Regulated / Small Ticket <$15 (swiped) 0.05% + $0.22
Visa Consumer Debit Retail 2 Debt Repayment Max 0.00% + $2.00
Visa Consumer Debit Standard 1.90% + $0.25
Visa Consumer Debit Supermarket Debit 0.00% + $0.30
Visa Consumer US Regulated Debit 0.05% + $0.22
Visa Passenger Transport Debit Card Not Present 1.70% + $0.15
Visa Passenger Transport Prepaid 1.75% + $0.20

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