DISCOVER INTERCHANGE RATES
What is Discover Interchange?
Interchange is the fee collected by the customer’s credit card bank (the Discover card-issuer) on every transaction. These rates are set by Discover every year and apply to all processors. In other words, this is the true cost that the processor has to pay on every transaction. The interchange rates are part of our Cost+ pricing program. The tables below provide a breakdown of the current Discover interchange rates.
Current Discover USA Interchange Rates
Card Type
Interchange Rate
Debit Card Present
Discover Debit
Discover Debit Regulated
1.100 % + 16¢
0.050 % + 22¢
Debit Card Keyed
Discover Debit Keyed
Discover Debit Keyed Regulated
1.750 % + 20¢
0.050 % + 22¢
Credit Card-Present
Discover Consumer
Discover Rewards
Discover Premium
Discover Premium Plus
Discover Commercial
1.560 % + 10¢
1.710 % + 10¢
1.710 % + 10¢
2.150 % + 10¢
2.300 % + 10¢
Credit Card Keyed
Discover Keyed Consumer
Discover Keyed Rewards
Discover Keyed Premium
Discover Keyed Premium Plus
Discover Keyed Commercial
1.890 % + 10¢
2.000 % + 10¢
2.000 % + 10¢
2.400 % + 10¢
2.300 % + 10¢
International – Face to Face
Discover Card-Present International Debit/Prepaid
Discover Card-Present International Consumer
Discover Card-Present International Rewards
Discover Card-Present International Premium
Discover Card-Present International Premium Plus
Discover Card-Present International Commercial
1.20%
1.65%
1.65%
1.65%
1.65%
1.90%
International Keyed
Discover Keyed International Debit/Prepaid
Discover Keyed International Consumer
Discover Keyed International Rewards
Discover Keyed International Premium
Discover Keyed International Premium Plus
Discover Keyed International Commercial
1.700 % + 10¢
1.700 % + 10¢
1.700 % + 10¢
1.700 % + 10¢
1.790 % + 10¢
1.900 % + 10¢
Recurring
Discover Debit Recurring
Discover Debit Recurring Regulated
Discover Recurring Consumer
Discover Recurring Rewards
Discover Recurring Premium
Discover Recurring Premium Plus
Discover Recurring Commercial
1.200 % + 5¢
0.050 % + 22¢
1.350 % + 5¢
1.350 % + 5¢
1.350 % + 5¢
1.800 % + 5¢
2.300 % + 10¢
