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: