What is Mastercard Interchange?

Interchange is the fee collected by the customer’s credit card bank (the Visa card-issuer) on every transaction. These rates are set by Mastercard 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 Mastercard interchange rates.

Current Mastercard USA Interchange Rates

Debit Card Present

MC Debit
1.050 % + 15¢
MC Debit Regulated
-0.050 % + 22¢
MC Debit Prepaid
-1.050 % + 15¢

Debit Keyed

MC Debit Keyed
-1.650 % + 15¢
MC Debit Keyed Regulated
-0.050 % + 22¢
MC Debit Keyed Prepaid
-1.760 % + 20¢

Credit Card-Present

MC Consumer
-1.580 % + 10¢
MC Enhanced
-1.730 % + 10¢
MC World
-1.770 % + 10¢
MC World Elite
-2.200 % + 10¢
MC Corporate
-2.700 % + 10¢

Credit Keyed

MC Keyed Consumer
-1.890 % + 10¢
MC Keyed Enhanced
-2.040 % + 10¢
MC Keyed World
-2.050 % + 10¢
MC Keyed World Elite
-2.500 % + 10¢
MC Keyed Corporate
-2.700 % + 10¢

International

MC International
-1.10 %
MC International Keyed
-1.16 %

Level 2 Data

Corporate, Purchasing & Fleet
-2.500 % + 10¢
Business Card (L1)
-1.900 % + 10¢
Business Card (L2)
-2.050 % + 10¢
Business Card (L3)
-2.100 % + 10¢
Business Card (L4)
-2.200 % + 10¢
Business Debit Card
-2.100 % + 10¢

Level 3 Data

Corporate, Purchasing & Fleet
-1.900 % + 10¢
Large Ticket – Corporate $7,254+
-1.450 % + $35

Debit Card Present

Debit Card Keyed

Credit Card-Present

Credit Card Keyed

International

Level 2 Data

Level 3 Data