Mastercard Interchange Rates
The MasterCard-Network
MasterCard is one of the two most commonly held credit cards. We help make it easy for you to accept MasterCard regardless of your business size. MasterCard is one of the top credit cards in the US, Canada and around the world. It is widely used, recognized and trusted.
While some small businesses do not accept credit cards due to the cost, we offer you cost-plus pricing so you save on processing fees while making payments convenient for your customers.
What is the MasterCard Interchange?
Interchange is the fee collected by the customer’s credit card bank (the MasterCard card-issuer) on every transaction. These rates are set by MasterCard every year and apply to all processors. In other words, this is the true cost that the processor has to pay on every transaction. The interchange rates are part of our Cost+ pricing program. The tables below provide a breakdown of the current Visa interchange rates.
Current MasterCard USA Interchange Rates
Card Type
Interchange Rate
Debit Card-Present
MC Debit
1.050 % + 15¢
MC Debit Regulated
0.050 % + 22¢
MC Debit Prepaid
1.050 % + 15¢
Debit Keyed
MC Debit Keyed
1.650 % + 15¢
MC Debit Keyed Regulated
0.050 % + 22¢
MC Debit Keyed Prepaid
1.760 % + 20¢
Credit Card Present
MC Consumer
1.580 % + 10¢
MC Enhanced
1.730 % + 10¢
MC World
1.770 % + 10¢
MC World Elite
2.200 % + 10¢
MC Corporate
2.700 % + 10¢
Credit Keyed
MC Keyed Consumer
1.890 % + 10¢
MC Keyed Enhanced
2.040 % + 10¢
MC Keyed World
2.050 % + 10¢
MC Keyed World Elite
2.500 % + 10¢
MC Keyed Corporate
2.700 % + 10¢
Real Estate & Property Management
MC Real Estate Consumer
1.100 % + 10¢
MC Real Estate Enhanced
1.100 % + 10¢
MC Real Estate World
1.100 % + 10¢
MC Real Estate World Elite
2.200 % + 10¢
MC Real Estate Corporate
2.700 % + 10¢
Charities
MC Charity Debit (non-regulated)
1.450 % + 15¢
MC Charity Credit
2.000 % + 10¢
International
MC International
1.100 %
MC International Keyed
1.600 %
Level 2 Data
Corporate, Purchasing & Fleet
2.500 % + 10¢
Business Card (L1)
1.900 % + 10¢
Business Card (L2)
2.050 % + 10¢
Business Card (L3)
2.100 % + 10¢
Business Card (L4)
2.200 % + 10¢
Business Debit Card
2.100 % + 10¢
Level 3 Data
Corporate, Purchasing & Fleet
1.900 % + 10¢
Large Ticket – Corporate, Purchasing & Fleet $7,254+
1.450 % + $35
Assessments and Association Fees
MC Card-Brand (Under $1,000)
0.1300 %
MC Card-Brand (Over $1,000)
0.1400 %
MC ALF (Acquirer License Fee)
0.0047 %
MC NABU (Network Brand Usage Fee)
$0.0195
MC Account Status Inquiry (on $0 auth)
$0.0250
MC CVC 2 Authorization Fee
$0.0025
MC AVS Authorization Fee
$0.0100
MC Intl Cross-Border Support
0.6000 %
MC International Cross-Border
0.8500 %
MC – Per Location Annual Fee
$1.25/month
Authorization Integrity Fees**
Final Authorization Fee
0.0283%
Final Authorization Fee (minimum for above)
$0.0452
Pre-Authorization Penalty
$0.05085
Undefined Authorization Penalty
$0.05085
Line Item Penalty
$0.0136
*The rates above are the most common interchange rates. For a complete list of US interchange rates, visit the Visa website below:
**Merchants are impacted by these MasterCard Integrity Fees when authorizations are not cleared or reversed within 30 days of pre-authorizations or 7 days of final sale.
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