Visa Interchange Rates

What Are Visa Interchange Rates?

Interchange refers to the fee collected by the customer’s credit card bank (the Visa card-issuer) on every transaction. These rates are set by Visa 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 small transparent fee.  The tables below provide a breakdown of the current Visa interchange rates.

Current Visa USA Interchange Rates

Card-Type

Interchange Rate

Debit Card-Present 
Visa Debit CPS0.080 % + 1,5¢
Visa Debit CPS Regulated0.005 % + 2,2¢
Visa Debit Prepaid0,115 % + 1,5¢
Visa Debit Business0,170 % + 1,5¢
Visa Debit Business Regulated0,005 % + 2,2¢
Debit Keyed 
Visa Debit Keyed CPS0,165 % + 1,5¢
Visa Debit Keyed CPS Regulated0,005 % + 2,2¢
Visa Debit Keyed Prepaid0,175 % + 2,0¢
Visa Debit Keyed Business0,245 % + 1,0¢
Visa Debit Keyed Business Regulated0,005 % + 2,2¢
Credit Card-Present 
Visa CPS Retail0,151 % + 1,0¢
Visa Rewards Traditional0,165 % + 1,0¢
Visa Rewards Signature0,230 % + 1,0¢
Visa Rewards Signature Preferred0,210 % + 1,0¢
Visa Corporate0,250 % + 1,0¢
Visa Business0,220 % + 1,0¢
Visa Purchasing0,250 % + 1,0¢
Credit Keyed 
Visa Keyed CPS Retail0,180 % + 1,0¢
Visa Keyed Rewards Traditional0,195 % + 1,0¢
Visa Keyed Rewards Signature0,270 % + 1,0¢
Visa Keyed Rewards Signature Preferred0,240 % + 1,0¢
Visa Keyed Corporate0,270 % + 1,0¢
Visa Keyed Business0,225 % + 2,0¢
Visa Keyed Purchasing0,270 % + 1,0¢
International 
Visa International110 %
Visa International Premium180 %
Visa International Corporate200 %
Visa International Keyed160 %
Level 2 Data 
Corporate & Purchasing205 % + 1,0¢
Business Card (Tier 1)205 % + 1,0¢
Business Card (Tier 2)205 % + 1,0¢
Business Card (Tier 3)205 % + 1,0¢
Business Card (Tier 4)220 % + 1,0¢
Level 3 Data 
Corporate & Purchasing190 % + 1,0¢
Large Ticket – Corporate & Purchasing $0,8725+145% + $3,5
Large Ticket – Government $0,5984+120% + $3,9
 

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

Visa Assessment Fees
Visa Card-Brand 0,0140 %
Visa NAPF (Network Acquirer Processing Fee) 0,195¢
Visa Clearing Access 0,025¢
Visa International Cross-Border 0,0800 %
Visa Intl Acquirer Service Fee 0,0450 %
Visa FANF (Fixed Acquirer Network Fee)
Visa FANF – Card-Present Per Location $0,2/mo
Visa FANF – Keyed Volume $100 – $399 $0,7/mo
Visa FANF – Keyed Volume $400 – $799 $0,9/mo
Visa FANF – Keyed Volume $800 – $3999 $1,5/mo
Visa FANF – Keyed Volume $4000 – $19999 $4,5/mo

*Above are the most common interchange qualifications. For a complete list of US interchange rates, visit the Visa website below: