Mastercard Interchange Rates

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 The Processing Depot’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

Rate (Swipe)

Rate (Keyed)

Consumer - Core Value

1.58 % + 10¢

1.89 % + 10¢

Enhanced

1.73 % + 10¢

2.04 % + 10¢

World MC

1.77 % + 10¢

2.05 % + 10¢

World Elite

2.20 % + 10¢

2.50 % + 10¢

Corporate Cards

2.70 % + 10¢

2.70 % + 10¢

Real State & Property Management

Rate (Swipe)

Rate (Keyed)

Real Estate Consumer

1.10 % + 0¢

1.89 % + 10¢

Real Estate Enhanced

1.10 % + 0¢

2.04 % + 10¢

Real Estate World

1.10 % + 0¢

2.05 % + 10¢

Real Estate World Elite

2.20 % + 10¢

2.50 % + 10¢

Real Estate Corporate

2.70 % + 10¢

2.70 % + 10¢

Charities

Rate (Swipe)

Rate (Keyed)

MC Charities Debit (non-regulated)

1.45 % + 15¢

1.90 % + 10¢

MC Charity Credit

2.00 % + 10¢

2.65 % + 10¢

Small Business

Level 2 Data

Level 3 Data

Business Card (L1)

2.00 % + 10¢

1.75 % + 10¢

Business Card (L2)

2.16 % + 10¢

1.91 % + 10¢

Business Card (L3)

2.21 % + 10¢

1.96 % + 10¢

Business Card (L4)

2.31 % + 10¢

2.06 % + 10¢

Commercial Rates

Large Ticket

T & E

Large Ticket - Business Card (L1)

1.58 % + 10¢

1.89 % + 10¢

Large Ticket - Business Card (L2)

1.73 % + 10¢

2.04 % + 10¢

Large Ticket - Business Card (L3)

1.77 % + 10¢

2.05 % + 10¢

Large Ticket - Business Card (L4)

2.20 % + 10¢

2.81 % + 0¢

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

Pricing Plans

US Processing Payments is dedicated to providing 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. No risk, no upfront fees, and no cancelation fees.

Assessment and Association Fees

Mastercard Assessment Fees

Rate

MC Card-Brand (Under $1,000)

0.1300 %

MC Card-Brand (Over $1,000)

0.1400 %

MC ALF (Acquirer License Fee)

0.0045 %

MC NABU (Network Brand Usage Fee)

1.95¢

MC Account Status Inquiry (on $0 auth)

2.500¢

MC CVC 2 Authorization Fee

0.250¢

MC AVS Authorization Fee

1.000¢

MC Intl Cross-Border Support

0.6000 %

MC International Cross-Border

0.8500 %

MC - Per Location Annual Fee

$15/year

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

Visa Interchange Rates >
Mastercard Interchange Rates >