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
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: