Mastercard Interchange Rates

The Mastercard Card-Network

MasterCard is one of the two most commonly held credit cards. Like Visa, MasterCard is one of the top credit card issuers in the US, Canada and around the world. It is widely used, recognized and trusted. While some business owners do not accept credit cards due to the cost, PaymentHub offers interchange plus, or cost-plus, pricing.  Our transparent pricing options remove the complexity and confusion that comes with accepting credit cards.

What Are Mastercard Interchange Rates?

Interchange refers to the fee collected by the customer’s credit card bank (the Mastercard card-issuer) on every transaction. These rates are set by Mastercard each year and apply to every processor in the payments industry. In simpler terms, interchange is the wholesale cost that the processor has to pay on every credit card transaction. Interchange rates are part of PaymentHub’s interchange plus pricing plans. We simply pass on the wholesale cost from the card issuer and then add on a transparent, small fee.  The tables below provide a breakdown of the current Mastercard interchange rates.

Current Mastercard USA Interchange Rates

Card-Type

Interchange Rate

 
Debit Card-Present 
MC Debit0,1050 % + 1,5¢
MC Debit Regulated0,0050 % + 2,2¢
MC Debit Prepaid0,1050 % + 1,5¢
Debit Keyed 
MC Debit Keyed0,1600 % + 1,5¢
MC Debit Keyed Regulated0,0050 % + 2,2¢
MC Debit Keyed Prepaid0,1760 % + 2,0¢
Credit Card-Present 
MC Consumer0,1580 % + 1,0¢
MC Enhanced0,1730 % + 1,0¢
MC World0,1770 % + 1,0¢
MC World Elite0,2200 % + 1,0¢
MC Corporate0,2700 % + 1,0¢
Credit Keyed 
MC Keyed Consumer0,1890 % + 1,0¢
MC Keyed Enhanced0,2040 % + 1,0¢
MC Keyed World0,2050 % + 1,0¢
MC Keyed World Elite0,2500 % + 1,0¢
MC Keyed Corporate0,2700 % + 1,0¢
Real Estate & Property Management 
MC Real Estate Consumer0,1100 % + 1,0¢
MC Real Estate Enhanced0,1100 % + 1,0¢
MC Real Estate World0,1100 % + 1,0¢
MC Real Estate World Elite0,2200 % + 1,0¢
MC Real Estate Corporate0,2700 % + 1,0¢
Charities 
MC Charity Debit (non-regulated)0,1450 % + 1,5¢
MC Charity Credit0,2000 % + 1,0¢
International 
MC International0,1100 %
MC International Keyed0,1600 %
Level 2 Data 
Corporate, Purchasing & Fleet0,2500 % + 1,0¢
Business Card (L1)0,2000 % + 1,0¢
Business Card (L2)0,2160 % + 1,0¢
Business Card (L3)0,2210 % + 1,0¢
Business Card (L4)0,2310 % + 1,0¢
Business Debit Card0,2200 % + 1,0¢
Level 3 Data 
Corporate, Purchasing & Fleet0,1800 % + 1,0¢
Business Card (L1)0,1750 % + 1,0¢
Business Card (L2)0,1910 % + 1,0¢
Business Card (L3)0,1960 % + 1,0¢
Business Card (L4)0,2060 % + 1,0¢
Business Debit Card0,1800 % + 1,0¢
Large Ticket – Corporate, Purchasing & Fleet $7,254+0,1250 % + $4,0
Large Ticket – Business Card (L1) $7,254+0,1200 % + $4,0
Large Ticket – Business Card (L2) $7,254+0,1360 % + $4,0
Large Ticket – Business Card (L3) $7,254+0,1410 % + $4,0
Large Ticket – Business Card (L4) $7,254+0,1510 % + $4,0

PaymentHub Pricing Plans

PaymentHub is dedicated to providng the lowest pricing while providing you with software like Invoicing, Recurring Billing, ACH payments, and a Payments Page. Easy plugins connect to POS systems, Shopping Carts, Quickbooks and the card reader of your choice. Your first month with PaymentHub is FREE. No risk, no upfront fees, and no cancelation fees.

Individual Interchange Rates for Visa | Mastercard | Discover | American Express Included in the monthly price above

The Visa Card-Network

Visa is one of the most commonly held and accepted credit cards in the US, Canada, and the world. By accepting Visa, your customers can pay in-person, over the phone, and even online. We’ve eliminated the confusion and complexity that comes from accepting credit cards by offering interchange plus, or cost-plus, pricing plans. We offer a transparent, small fee on top of the standard visa interchange rates.

Create better payment experiences.

Assessments and Association Fees

Mastercard Assessment Fees  
MC Card-Brand (Under $100) 0,01300 %
MC Card-Brand (Over $100) 0,01400 %
MC ALF (Acquirer License Fee) 0,00045 %
MC NABU (Network Brand Usage Fee) 0,195¢
MC Account Status Inquiry (on $0 auth) 0,2500¢
MC CVC 2 Authorization Fee 0,0250¢
MC AVS Authorization Fee 0,1000¢
MC Intl Cross-Border Support 0,06000 %
MC International Cross-Border 0,08500 %
MC – Per Location Annual Fee $1,5/year
Authorization Integrity Fees**  
Final Authorization Fee 0,00283%
Final Authorization Fee (minimum for above) 0,452¢
Pre-Authorization Penalty 0,5085¢
Undefined Authorization Penalty 0,5085¢
Line Item Penalty 0,136¢

Above are the most common interchange qualifications. For a complete list of US interchange rates, please visit the Visa and MasterCard websites below: