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 The Processing Depot’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

Credit Card-Present

Rate

Visa CPS Retail

2.10 % + 10¢

Visa Rewards Traditional

1.43 % + 10¢

Visa Rewards Signature

1.65 % + 10¢

Visa Rewards Signature Preferred

2.15 % + 10¢

Visa Corporate

2.65 % + 10¢

Visa Business

2.35 % + 10¢

Credit Keyed

Rate

Visa Keyed CPS Retail

1.80 % + 10¢

Visa Keyed Rewards Traditional

1.95 % + 10¢

Visa Keyed Rewards Signature

2.10 % + 10¢

Visa Keyed Rewards Signature Preferred

2.40 % + 10¢

Visa Keyed Corporate

2.70 % + 10¢

Visa Keyed Business

2.25 % + 20¢

Level 2 Data

Rate

Business Credit Spend

2.20 % + 10¢

Business Card (Tier 1)

2.05 % + 10¢

Business Card (Tier 2)

2.05 % + 10¢

Business Card (Tier 3)

2.05 % + 10¢

Business Card (Tier 4)

2.20 % + 10¢

Level 3 Data

Rate

Commercial Level III

1.90 % + 10¢

Government to Government (G2G) 

1.65% + 10¢

Large Ticket - Commercial Product

1.45% + $35

Large Ticket - Government

1.20% + $39

 

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.

Assessments and Association Fees

Visa Assessment Fees

Rate

Visa Card-Brand

0.1400 %

Visa NAPF (Network Acquirer Processing Fee)

1.95¢

Visa Clearing Access

0.25¢

Visa International Cross-Border

0.8000 %

Visa Intl Acquirer Service Fee

0.4500 %

Visa FANF (Fixed Acquirer Network Fee)

Rate

Visa FANF - Card-Present Per Location

$2/mo

Visa FANF - Keyed Volume $1,000 - $3,999

$7/mo

Visa FANF - Keyed Volume $4,000 - $7,999

$9/mo

Visa FANF - Keyed Volume $8,000 - $39,999

$15/mo

Visa FANF - Keyed Volume $40,000 - $199,999

$45/mo

Visa Purchasing

2.500 % + 10¢

Credit Keyed

Rate

Visa Keyed CPS Retail

1.800 % + 10¢

Visa Keyed Rewards Traditional

1.950 % + 10¢

Visa Keyed Rewards Signature

2.700 % + 10¢

Visa Keyed Rewards Signature Preferred

2.400 % + 10¢

Visa Keyed Corporate

2.700 % + 10¢

Visa Keyed Business

2.250 % + 20¢

Visa Keyed Purchasing

2.700 % + 10¢

International

Rate

Visa International

1.100 %

Visa International Premium

1.800 %

Visa International Corporate

2.000 %

Visa International Keyed

1.600 %

Level 2 Data

Rate

Corporate & Purchasing

2.050 % + 10¢

Business Card (Tier 1)

2.050 % + 10¢

Business Card (Tier 2)

2.050 % + 10¢

Business Card (Tier 3)

2.050 % + 10¢

Business Card (Tier 4)

2.200 % + 10¢

Level 3 Data

Rate

Corporate & Purchasing

1.900 % + 10¢

Large Ticket - Corporate & Purchasing $8,725+

1.450% + $35

Large Ticket - Government $5,984+

1.200% + $39

 

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

Visa Interchange Rates >