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Visa Interchange Rates, Banking and Financing

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INTERCHANGE & PRICING

Visa Merchant Interchange Rates

 If you accept credit and debit cards, you most likely accept Visa. Being the most popular card worldwide, you would be remiss not to. Visa’s rates are available here to the public, but since they can be somewhat confusing we’ll go over them in this article.

Visa has eight categories for interchange rates: Consumer Check Card, Consumer Prepaid, Consumer Credit, Corporate and Purchasing, Corporate and Purchasing Prepaid, Business, Other, and International.

Visa USA Consumer Check Card

Visa divides their debit interchange program into two categories: Card present and card not present transactions. Then, it further divides cards into “Exempt” and “Regulated” categories from there. The difference between regulated and exempt debit is the amount of money the issuing bank has in assets. If the issuing bank has more than $10 billion in assets, the debit card is considered “regulated,” and if the issuing bank has less than $10 billion on assets, the debit card “unregulated,” or exempt.

The card-present rates are in the table below:

Fee ProgramExempt Visa Check CardRegulated Visa Check Card
CPS/Supermarket, Debit$0.300.05% + $0.21
CPS/Retail, Debit0.80% + $0.150.05% + $0.21
SPS/Automated Fuel Dispenser (AFD), Debit0.80% + $0.150.05% + $0.21
CPS/Service Station, Debit0.80% + $0.15 ($0.95 Cap)0.05% + $0.21
CPS/Small Ticket, Debit1.55% + $0.040.05% + $0.21
CPS/Restaurant, Debit1.19% + $0.100.05% + $0.21
CPS/Hotel and Car Rental, Debit1.19% + $0.150.05% + $0.21
Travel Service, Debit1.19% + $0.100.05% + $0.21
CPS/Retail Key Entry, Debit1.65% + $0.150.05% + $0.21

Card-not-present rates:

Fee ProgramExempt Visa Check CardRegulated Visa Check Card
CPS/Retail 2 – Card Not Present, Debit0.65% + $0.15 ($2.00 Cap)0.05% + $0.21
CPS/Debt Repayment 20.65% + $0.15 ($2.00 Cap)0.05% + $0.21
CPS/Debt Repayment (No Fee)0.65% + $0.15 ($0.65 Cap)0.05% + $0.21
CPS/Utility$0.650.05% + $0.21
CPS/Government0.65% + $0.15 ($2.00 Cap)0.05% + $0.21
CPS/Card Not Present, Debit1.65% + $0.150.05% + $0.21
CPS/e-Commerce Basic, Debit1.65% + $0.150.05% + $0.21
CPS/e-Commerce Preferred Retail, Debit1.60% + $0.150.05% + $0.21
CPS/Preferred Hotel and Car Rental, Debit1.70% + $0.150.05% + $0.21
CPS/Preferred Passenger Transport, Debit1.70% + $0.150.05% + $0.21
CPS/Accounting Funding1.75% + $0.200.05% + $0.21
Electronic Interchange Reimbursement Fee (EIRF), Debit1.75% + $0.200.05% + $0.21
Standard Interchange Reimbursement Fee, Debit1.90% + $0.250.05% + $0.21

Visa USA Consumer Prepaid

Similar to the consumer check card, the consumer prepaid is also divided into exempt and regulated cards, and card-present and card-not-present transactions. The following table shows the card-present Visa interchange rates for the consumer prepaid card:

Fee ProgramExempt Visa Check CardRegulated Visa Check Card
CPS/Supermarket, Prepaid1.15% + $0.15 ($0.35 Cap)0.05% + $0.21
CPS/Retail, Prepaid1.15% + $0.150.05% + $0.21
SPS/Automated Fuel Dispenser (AFD), Prepaid01.15% + $0.15 ($0.95)0.05% + $0.21
CPS/Service Station, Prepaid1.15% + $0.15 ($0.95 Cap)0.05% + $0.21
CPS/Small Ticket, Prepaid1.60% + $0.050.05% + $0.21
CPS/Restaurant, Prepaid1.15% + $0.150.05% + $0.21
CPS/Hotel and Car Rental, Prepaid1.15% + $0.150.05% + $0.21
Travel Service, Prepaid1.15% + $0.150.05% + $0.21
CPS/Retail Key Entry, Prepaid1.75% + $0.200.05% + $0.21

Additionally, the following table shows the card-not-present rates for the Visa consumer prepaid card:

Fee ProgramExempt Visa Check CardRegulated Visa Check Card
CPS/Retail 2 – Card Not Present, Prepaid0.65% + $0.15 ($2.00 Cap)0.05% + $0.21
CPS/Debt Repayment 20.65% + $0.15 ($2.00 Cap)0.05% + $0.21
CPS/Debt Repayment (No Fee)0.65% + $0.15 ($0.65 Cap)0.05% + $0.21
CPS/Utility, Prepaid$0.650.05% + $0.21
CPS/Government, Prepaid0.65% + $0.15 ($2.00 Cap)0.05% + $0.21
CPS/Card Not Present, Prepaid1.75% + $0.200.05% + $0.21
CPS/e-Commerce Basic, Prepaid1.75% + $0.200.05% + $0.21
CPS/e-Commerce Preferred Retail, Prepaid1.75% + $0.200.05% + $0.21
CPS/e-Commerce Preferred Hotel and Car Rental, Prepaid1.75% + $0.200.05% + $0.21
CPS/e-Commerce Preferred Passenger Transport, Prepaid1.75% + $0.200.05% + $0.21
CPS/Accounting Funding, Prepaid1.80% + $0.200.05% + $0.21
Electronic Interchange Reimbursement Fee (EIRF), Prepaid1.80% + $0.200.05% + $0.21
Standard Interchange Reimbursement Fee, Prepaid1.90% + $0.250.05% + $0.21

Visa USA Consumer Credit

Visa’s Consumer Credit program’s interchange rates are dependent upon the industry in which the purchase is being made and the type of Visa card used. For example, a purchase made in a supermarket with the Visa Signature Preferred card would have an interchange rate of 2.10% + $0.10, while if that same supermarket purchase was made with a Traditional Rewards card the rate would be 1.65% + $0.10.

Fee ProgramVisa Signature Preferred/Visa InfiniteVisa Signature/Visa InfiniteTraditional RewardsAll Other Products
CPS/Supermarket Credit – Performance Threshold I2.10% + $0.10CPS/Rewards 1 – 1.65% + $0.101.15% + $0.05
CPS/Supermarket Credit – Performance Threshold II1.20% + $0.05
CPS/Supermarket Credit – Performance Threshold III1.22 + $0.05
CPS/Supermarket Credit – All Other1.65% + $0.101.22% + $0.05
CPS Retail Credit – Performance Threshold ICPS/Rewards 1 – 1.65% + $0.101.43% + $0.10
CPS Retail Credit – Performance Threshold II1.47% + $0.10
CPS Retail Credit – Performance Threshold III1.51% + $0.10
CPS Retail Credit – All OtherCPS/Rewards 1 – 1.65% + $0.101.51% + $0.10
CPS/Small Ticket1.65% + $0.04
CPS/Retail 22.40% + $0.101.43% + $0.05
CPS/Recurring Payments, MCCs 4814 and 48992.40% + $0.101.43% + $0.05
CPS/Charity and Religious Organizations1.35% + $0.05
CPS/Government1.35% + $0.05
CPS/Automated Fuel Dispenser (AFD)1.15% + $0.25 ($1.10 Cap)
CPS/Service Station1.15% + $0.25 ($1.10 Cap)
CPS/Utility$0.75
CPS/Retail Key Entry2.10% + $0.10CPS/Rewards 2 – 1.95% + $0.101.80% + $0.10
CPS/Card Not Present2.40% + $0.10 (Except for B2B which receives 2.10% + $0.10)
CPS/e-Commerce Basic
CPS/e-Commerce Preferred Retail1.80% + $0.10
CPS/e-Commerce Preferred Hotel and Car Rental2.40% + $0.10EIRF 2.30% + $0.10CPS/Rewards 2 – 1.95% + $0.101.54% + $0.10
CPS/e-Commerce Preferred Passenger Transport1.70% + $0.10
CPS/Hotel and Car Rental Card Present1.54% + $0.10
CPS/Hotel and Car Rental Card Not Present1.54% + $0.10
CPS/Passenger Transport1.70% + $0.10
CPS/Restaurant1.54% + $0.10
CPS/Account Funding2.14% + $0.10
Electronic Interchange Reimbursement Fee (EIRF)2.40% + $0.102.30% + $0.10
Standard Interchange Reimbursement Fee2.95% + $0.102.70% + $0.10

Visa USA Corporate and Purchasing

The interchange rate for Visa’s Corporate and Purchasing program is dependent on whether the transaction belongs to the Commercial fee program or Government fee program, as shown in the following table:

Fee ProgramPurchasing & Corporate T&E
Commercial Level III1.90% + $0.10
Commercial Level II – Fuel2.05% + $0.10
Commercial Level II2.50% + $0.10
Commercial Card Present2.50% + $0.10
Commercial Travel Service2.65% + $0.10
Commercial Card Not Present2.70% + $0.10
Commercial Standard Interchange Reimbursement Fee2.95% + $0.10
Commercial Product Large Ticket1.45% + $35.00
Fee ProgramPurchasing Only
Government to Government (G2G)1.65% + $0.10
GSA Large Ticket1.20% + $39.00

Further, there is also an interchange rate that applies to STP, or Straight Through Processing:

Straight Through Processing (STP) Fee ProgramApplicable Interchange Rate
Tier 1 – Less than $70002.00% + $0.10
Tier 2 – $7,000 – $14,999.991.30% + $35.00
Tier 3 – $15,000 – $49,999.991.10% + $35.00
Tier 4 – $50,000 – $99,999.990.95% + $35.00
Tier 5 – $100,000 and greater0.80% + $35.00

Lastly, the Large Purchase Advantage Fee Program also applies to the Corporate and Purchasing card:

Visa Large Purchase Advantage Fee ProgramApplicable Interchange Rate
Card Present Transactions
All Ticket SizesVisa Purchasing Card Rates Apply
Card Not Present Transactions
$10,000 or lessVisa Purchasing Card Rates Apply
$10,000.01 – $25,0000.70% + $49.50
$25,000.01 – $100,0000.60% + $52.50
$100,000.01 – $500,0000.50% + $55.50
Greater than $500,0000.40% + $58.50

Visa USA Corporate and Purchasing Prepaid

The Corporate and Purchasing Prepaid interchange rate is subject to five fee programs and whether the card is an exempt corporate prepaid, an exempt purchasing prepaid, or a regulated commercial prepaid:

Fee ProgramExempt Visa Corporate Prepaid/Visa BusinessExempt Visa Purchasing PrepaidRegulated Visa Commercial Prepaid
Standard2.95% + $0.102.95% + $0.100.05% + $0.21
Card Present2.15% + $0.102.15% + $0.100.05% + $0.21
Card Not Present2.65% + $0.102.65% + $0.100.05% + $0.21
Visa Purchasing Prepaid Large TicketN/A1.45% + $35.000.05% + $0.21
Business Utilities (Visa Business Prepaid Only)$1.50N/A0.05% + $0.21

Visa USA Business (Excluding Prepaid)

The Business Credit Fee Program interchange rate is dependent on the spending tier, as shown in the table below:

Business Credit Fee ProgramBusiness Credit Spend Tier 1Business Credit Spend Tier IIBusiness Credit Spent Tier IIIBusiness Credit Spend Tier IV
Business Level II2.05% + $0.102.05% + $0.102.05% + $0.102.20% + $0.10
Business Business-to-Business2.10% + $0.102.25% + $0.102.40% + $0.102.50% + $0.10
Business Retail2.20% + $0.102.30% + $0.102.40% + $0.102.50% + $0.10
Business Card Not Present2.25% + $0.102.45% + $0.152.60% + $0.202.70% + $0.20
Business Electronic Interchange Reimbursement Fee (EIRF)2.40% + $0.102.75% + $0.152.85% + $0.202.95% + $0.20
Business Standard Interchange Reimbursement Fee2.95% + $0.202.95% + $0.202.95% + $0.202.95% + $0.20
Business Utility Program$1.50$1.50$1.50$1.50

The Business Debit Fee Program is dependent on whether or not the card is exempt or regulated:

Business Debit Fee ProgramExempt Business DebitRegulated Business Debit
Business Debit, Card Present1.70% + $0.100.05% + $0.21
Business Debit, Card Not Present2.45% + $0.100.05% + $0.21
Business Debit, Standard2.95% + $0.100.05% + $0.21
Business Utility Program, Card Not Present Only$1.500.05% + $0.21

Visa USA Other Transactions

Visa has interchange rates for transactions categorized as “other,” such as Credit Voucher transactions, Prepaid Loan Service Network, Money Transfer, Cash Disbursement transactions, and Other ATM Non-Cash Disbursement Transactions. These interchange rates are outlined below:

Credit Voucher Transactions
Passenger Transport Service Category – Credit2.33%
Non Passenger Transport – Consumer Credit1.76%
Non Passenger Transport – Corporate and Business Card2.35%
Mail/Phone Order and eCommerce Merchants – Consumer Credit2.05%
Credit Voucher – Debit0.00%
Non Passenger Transport – Non GSA Purchasing Transactions
$0-$10,0002.40%
$10,000.01-$25,0002.30%
$25,000.01-$100,0002.20%
$100,000.01-$500,0002.00%
$500,000+1.80%
Non Passenger Transport – GSA Purchasing Transactions
$0-$10,0002.35%
$10,000.01-$25,0002.15%
$25,000.01-$100,0002.00%
$100,000+1.80%
Visa Prepaid Load Service Network
Visa Prepaid Load Network Interchange Reimbursement Fee$0.05
Visa Money Transfer (Interchange fees are paid by institution initiating transaction to recipient institution)
Visa Money Transfer Original Credit$0.10
Cash Disbursement Transactions (Interchange payable from Issuer to Acquirer, in US Dollars
ATM Cash Disbursement Reimbursement Fee – Level 1$0.35
ATM Cash Disbursement Reimbursement Fee – Level 2$0.40
ATM Cash Disbursement Reimbursement Fee – Level 3$0.45
ATM Cash Disbursement Reimbursement Fee – Level 4$0.55
ATM Plus Alliance Cash Disbursement Reimbursement Fee0.35% + $0.55(max. $3.00)
Manual Cash Disbursement Reimbursement Fee$2.00
Other ATM Non-Cash Disbursement Transactions
ATM Decline Fee$0.25
ATM Balance Inquiry Fee$0.25
ATM Funds Transfer Fee$0.25
ATM Mini Statement Fee$0.30
ATM Deposit Fee$2.50
Plus Alternative Media Fee$0.10

Visa USA International Transactions

Finally, Visa has interchange rates for international transactions—rates for Visa cards used at a US merchant but issued outside of the US. These rates are dependent upon the type of card, as shown below:

Industry Fee ProgramVisa Classic/Visa Gold/ElectronVisa Signature/Visa PremiumVisa InfiniteAll Visa Commercial Products
Interregional Regulated Debit0.05% + $0.21
Contact Chip Card Incentive Rates
Issuer Chip Card1.20%1.80%1.97%2.00%
Secure eCommerce Incentive Rates
Secure eCommerce Transaction1.44%1.80%1.97%2.00%
Electronic & Standard Programs
Electronic1.10%1.80%1.97%2.00%
Standard1.60%1.80%1.97%2.00%
Visa Business-to-Business Virtual Payments
Standard 2.00%
Original Credits (Interchange payable from sending institution to receiving institution in US Dollars)
Original Credit$0.49
Visa Money Transfer Fast Funds$0.89
Cash Disbursement Transactions (Interchange payable from Issuer to Acquirer in US Dollars)
 All Visa and/or Plus Cards, excluding Prepaid TravelVisa Prepaid Travel
If DCC Occurs (Dynamic Currency ConversionNo DCC
Cash Disbursement (No access fee charged to the cardholder)0.15%$0.65 + 0.52%$1.00
Cash Disbursement (Access fee charged to the cardholder)0.00%0.15%
Cash Disbursement – Manual$1.75 + 0.33%
ATM Decline Fee$0.30
ATM Balance Inquiry Fee$0.30
ATM Funds Transfer Fee$0.30
Mini Statement$0.30
PIN Change/Unblock$0.60


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