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¢

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