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Interchange Rates

Current Rates in the USA (Updated 2026)

Visa Card Present Restaurant Interchange Fees

Card Present
Card Present Restaurant Interchange // Visa Interchange Rate
  • Restaurant Consumer CP Min 0.00% + $0.04
  • Restaurant Sign Prefer CP Min 0.00% + $0.04
  • Restaurant Consumer CP 2.10% + $0.00
  • Restaurant Sign Prefer CP 2.60% + $0.00

Visa Debit Supermarket Interchange Fees

Card Present
Card Present Supermarket Interchange // Visa Interchange Rate
  • Visa Supermarket Qualification 1.50% + $0.07
  • Visa Supermarket Trad 1.50% + $0.07
  • Visa Supermarket Rewards 1.50% + $0.07
  • Visa Supermarket Sign INF 1.65% + $0.07
  • Visa Supermarket Sign PREF 2.00% + $0.07

Visa Debit Supermarket Interchange Fees

Card Present
Card Present Insurance Interchange // Visa Interchange Rate
  • Insurance Consumer 1.43% + $0.05
  • Insurance Consumer Rewards 1.43% + $0.05
  • Insurance Signature 1.43% + $0.05
  • Insurance Signature Prefer 2.25% + $0.10

Visa Debit Fuel Interchange Rate

Card Present
Card Present Utility Interchange // Visa Interchange Rate
  • Fuel Consumer Credit 1.15% + $0.25
  • V Level II – Fuel Purchasing 2.20% + $0.10
  • V Level II – Fuel Corporate 2.20% + $0.10
  • Commercial Fuel Fleet 2.50% + $0.10

Visa Debit Utility Interchange Rate

Card Present
Card Present Utility Interchange // Visa Interchange Rate
  • Visa Utility 0.0% + $0.75
  • Visa Utility – Business Card 0.0% + $1.50

Visa Debit Travel Interchange Fees

Card Present
Card Present Travel Interchange // Visa Interchange Rate
  • Travel Services Consumer 1.75% + $0.10
  • Travel Services Consumer REWD 1.95% + $0.10
  • Travel Services Signature PREF 2.40% + $0.10

Visa Debit Education Interchange Fees

Card Present
Card Present Education Interchange // Visa Interchange Rate
  • Education Consumer 1.43% + $0.05
  • Education Consumer Rewards 1.43% + $0.05
  • Education Signature 1.43% + $0.05
  • Education Signature Preferred 2.15% + $0.10

Visa Debit Healthcare Interchange Fees

Card Present
Card Present Healthcare Interchange // Visa Interchange Rate
  • Healthcare Consumer 1.43% + $0.05
  • Healthcare Consumer Rewards 1.43% + $0.05
  • Healthcare Signature 1.43% + $0.05
  • Healthcare Signature Preferred 2.30% + $0.10

Visa Debit Advertising Interchange Fees

Card Present
Card Present Advertising Interchange // Visa Interchange Rate
  • Advertising Consumer 1.55% + $0.10
  • Advertising Consumer Rewards 1.70% + $0.10
  • Advertising Signature 1.75% + $0.10
  • Advertising Signature Prefer 2.30% + $0.10

Master Card Present Restaurant Interchange Fees

Card Present
Card Present Restaurant Interchange // MasterCard Interchange Rate
  • World Mastercard Restaurant 1.85% + $0.10
  • Mastercard World Elite Restaurant 2.00% + $0.10

Master Card Debit Supermarket Interchange Fees

Card Present
Card Present Supermarket Interchange // Mastercard Interchange Rate
  • Mastercard Supermarket 1.45% + $0.10
  • Mastercard Enhanced Supermarket Base 1.60% + $0.10
  • Mastercard World Elite Supermarket 2.10% + $0.10

Mastercard Debit Supermarket Interchange Fees

Card Present
Card Present Insurance Interchange // Mastercard Interchange Rate
  • Mastercard Merit 1 – INSU 1.43% + $0.05
  • Mastercard World Merit 1 – INSU 1.43% + $0.05
  • Mastercard Enhanced Merit 1 – INSU 1.43% + $0.05
  • Mastercard World Elite Merit 1 – INSU 2.25% + $0.10

Mastercard Debit Fuel Interchange Rate

Card Present
Card Present Fuel Interchange // Mastercard Interchange Rates
  • Mastercard Petroleum Base 1.90% + $0.00
  • World Mastercard Petroleum Base 2.00% + $0.00
  • World Elite Mastercard Petroleum Base 2.00% + $0.00

Mastercard Debit Utility Interchange Rate

Card Present
Card Present Utility Interchange // Mastercard Interchange Rates
  • Mastercard Utility Credit 0.00% + $0.75
  • Mastercard Enhanced Utility 0.00% + $0.75

Mastercard Debit Travel Interchange Fees

Card Present
Card Present Travel Interchange // Mastercard Interchange Rates
  • Mastercard Travel Premier – Lodging 1.65% + $0.10
  • Mastercard Travel Premier – Vehicle 1.65% + $0.10
  • Mastercard Enhanced Tips – Lodging 1.75% + $0.10

Mastercard Debit Education Interchange Fees

Card Present
Card Present Education Interchange // Visa Interchange Rate
  • Education Consumer 1.43% + $0.05
  • Education Consumer Rewards 1.43% + $0.05
  • Education Signature 1.43% + $0.05
  • Education Signature Preferred 2.15% + $0.10

Mastercard Debit Healthcare Interchange Fees

Card Present
Card Present Healthcare Interchange // Visa Interchange Rate
  • Healthcare Consumer 1.43% + $0.05
  • Healthcare Consumer Rewards 1.43% + $0.05
  • Healthcare Signature 1.43% + $0.05
  • Healthcare Signature Preferred 2.30% + $0.10

Mastercard Debit Advertising Interchange Fees

Card Present
Card Present Advertising Interchange // Visa Interchange Rate
  • Advertising Consumer 1.55% + $0.10
  • Advertising Consumer Rewards 1.70% + $0.10
  • Advertising Signature 1.75% + $0.10
  • Advertising Signature Prefer 2.30% + $0.10

Visa Credit Interchange

Card NOT Present
Keyed Visa Interchange // Visa Interchange Rate
  • Visa Keyed CPS Retail 1.80% + $0.10
  • Visa Keyed Rewards Traditional 1.95% + $0.10
  • Visa Keyed Rewards Signature Preferred 2.30% + $0.10
  • Visa Keyed Rewards Signature 2.70% + $0.10
  • Visa Keyed Corporate 2.95% + $0.10
  • Visa Keyed Purchasing 2.95% + $0.10
  • Visa Keyed Business 2.95% + $0.20

Mastercard Credit Interchange

Card NOT Present
Card Not Present Mastercard Interchange // MasterCard Interchange Rate
  • MC Keyed Consumer 1.95% + $0.10
  • MC Keyed Enhanced 2.10% + $0.10
  • MC Keyed World 2.20% + $0.10
  • MC Keyed Corporate 2.65% + $0.10
  • MC Keyed World Elite 2.95% + $0.10

Visa Debit Interchange Fees

Card Present
Visa Debit Interchange // Visa Interchange Rate
  • Supermarket DEB 0.00% + $0.30
  • VISA Utility DEB 0.00% + $0.65
  • Utility Business Prepaid 0.00% + $1.50
  • Utility Business Debit 0.00% + $1.50
  • Restaurant Debit Regulated 0.05% + $0.22
  • CPS/Supermarket Debit REG 0.05% + $0.22
  • Utility Debit REG 0.05% + $0.22
  • CPS/Auto Fuel Dispenser DB REG 0.05% + $0.22
  • CPS/E-Comm – Hotel Debit REG 0.05% + $0.22
  • Visa Debit CPS Regulated 0.05% + $0.22
  • Visa Debit Business Regulated 0.05% + $0.22
  • Visa Debit CPS 0.80% + $0.15List Item #3
  • Restaurant DEB 1.19% + $0.10.15% + $0.15
  • Hotel Card Present DEB 1.19% + $0.10
  • Visa Debit Prepaid 1.51% + $0.15
  • Visa Debit Business 1.65% + $0.15
  • CPS/Hotel CNP Prepaid 1.75% + $0.20

MasterCard Debit Interchange Fees

Card Present
Visa Debit Interchange // Visa Interchange Rate
  • M/C Utility Debit 0.00% + $0.65
  • M/C Utility Prepaid 0.00% + $0.65
  • M/C Utilities BUS Debit 0.00% + $1.50
  • M/C Utilities Business Prepaid 0.00% + $1.50
  • Restaurant – Debit REG 0.05% + $0.21
  • Supermarket Base – Debit REG 0.05% + $0.21
  • Merit 1 Real Estate – Debit REG 0.05% + $0.21
  • Petroleum AFD – Debit REG 0.05% + $0.21
  • Utilities – Debit REG 0.05% + $0.21
  • Travel (Tips) Loading DB REG 0.05% + $0.21
  • MC Debit Regulated 0.05% + $0.22
  • M/C Petro CAT AFD DEB 0.70% + $0.17
  • M/C Petroleum AFD Prepaid 0.70% + $0.17
  • M/C Merit 1 Debit Core Real Estate 0.80% + $0.25
  • M/C Merit 1 Real Estate Prepaid 0.80% + $0.25
  • M/C Supermarket DEB 1.05% + $0.15
  • MC Supermarket Base Prepaid 1.05% + $0.15
  • MC Debit 1.05% + $0.15
  • MC Debit Prepaid 1.05% + $0.15
  • M/C Restaurant DEB 1.19% + $0.10
  • MC Restaurant Prepaid 1.19% + $0.10