Interchange (I/C) Fees & Discount Rates

Estimated Average Interchange Fees for Visa

Card Type I/C Fee (Swiped) I/C Fee (Keyed)
Debit Retail CPS 0.800% + 15¢ 1.650% + 15¢
Debit Retail CPS Regulated 0.050% + 22¢ 0.050% + 22¢
Debit Retail Business 1.700% + 10¢ 2.450% + 10¢
Debit Retail Business Regulated 0.050% + 22¢ 0.050% + 22¢
Credit Retail CPS 1.510% + 10¢ 1.800% + 10¢
Credit Retail Rewards Traditional 1.650% + 10¢ 1.950% + 10¢
Credit Retail Rewards Signature 2.300% + 10¢ 2.700% + 10¢
Credit Retail Rewards Signature Preferred 2.100% + 10¢ 2.400% + 10¢
Credit Retail Corporate 2.100% + 10¢ 2.650% + 10¢

Estimated Average Interchange Fees for Mastercard

Card Type I/C Fee (Swiped) I/C Fee (Keyed)
Debit Retail Swipe 1.050% + 15¢ 1.600% + 15¢
Debit Retail Regulated 0.050% + 22¢ 0.050% + 22¢
Credit Retail Consumer 1.580% + 10¢ 1.890% + 10¢
Credit Retail Enhanced 1.730% + 10¢ 2.040% + 10¢
Credit Retail World 1.770% + 10¢ 2.050% + 10¢
Credit Retail World Elite 2.300% + 10¢ 2.500% + 10¢
Credit Retail Corporate 2.500% + 10¢ 2.650% + 10¢

Estimated Average Interchange Fees and Rates for Discover Card

Card Type  I/C Fee
Debit 1.020% + 16¢
Debit Regulated 0.050% + 22¢
Debit Keyed 1.620% + 16¢
Debit Keyed Regulated 0.050% + 22¢
Consumer 1.560% + 10¢
Rewards 1.710% + 10¢
Premium 1.710% + 10¢
Premium Plus 2.100% + 10¢
Commercial 2.300% + 10¢
Keyed Consumer 1.870% + 10¢
Keyed Rewards 1.970% + 10¢
Keyed Premium 2.000% + 10¢
Keyed Premium Plus 2.150% + 10¢
Keyed Commercial 2.300% + 10¢
Debit Recurring 1.200% + 5¢
Debit Recurring Regulated 0.050% + 22¢
Recurring Consumer 1.200% + 5¢
Recurring Rewards 1.200% + 5¢
Recurring Premium 1.200% + 5¢
Recurring Premium Plus 1.800% + 5¢
Recurring Commercial 2.300% + 10¢

Estimated Average Interchange Rates and Discount Rates for American Express

Business Type Discount Rate
Fast Food Restaurant, lodging, mail order & internet, telecommunications, other transportation 3.50%
Restaurant 3.50% + $0.05
Independent Gas Stations 3.25%
Retail 2.89% + $0.10
Services, Wholesale & All Other 2.89% + $0.15
Office-based Doctor, Dentist, Orthodontist 2.55%
Healthcare not office-based 2.89% + $0.15
Tuition 2.40%
Supermarket 2.30%