Interchange Rates in USA

American interchange rates for Visa and MasterCard in credit card processing

What is interchange?

Interchange is the fee collected by the credit card brand and issuer on every credit card transaction. Merchants pay interchange fees. These interchange rates in USA are set by Visa and Mastercard and are mandatory for all credit card processors. The tables below have a breakdown of the current Visa and Mastercard interchange rates in USA. When you work with TCM, we help ensure you get the best interchange rates applied to your business.

This link provides an overview of Interchange rates in Canada.

Card Present Interchange Rates

A card present (CP) transaction is when you have the credit card and buyer in front of you, in person (i.e. payment terminals). Card present interchange rates tend to be lower because in-person transactions are considered lower risk transactions.

Visa Card-Present Interchange

Card Type	USA Visa Interchange Rates
Visa CPS Retail	1.51% + $0.10
Visa Rewards Traditional	1.65% + $0.10
Visa Rewards Signature	2.1% + $0.10
Visa Rewards Signature Preferred	2.5% + $0.10
Visa Corporate	2.2% + $0.10
Visa Business	2.5% + $0.10

MasterCard Card-Present Interchange

Card Type	USA MC Interchange Rates
MC Consumer	1.65% + $0.10
MC Enhanced	1.8% + $0.10
MC World	1.9% + $0.10
MC World Elite	2.3% + $0.10
MC Corporate	2.7% + $0.10

Keyed, Online, or Card Not Present Interchange Rates

A card not present (CNP) transaction is when you don’t have the buyer or credit card in front of you (i.e. phone, ecommerce, etc). Card not present interchange rates tend to be a little higher because there is slightly more risk of fraud due to sales being over the phone or internet.

Visa Card-Not-Present Interchange

Card Type	USA Visa Interchange Rates
Visa CPS Retail	1.89% + $0.10
Visa Rewards Traditional	2.04% + $0.10
Visa Rewards Signature	2.05% + $0.10
Visa Rewards Signature Preferred	2.5% + $0.10
Visa Corporate	2.7% + $0.10
Visa Business	2.8% + $0.10

MasterCard Card-Not-Present Interchange

Card Type	USA MC Interchange Rates
MC Consumer	1.95% + $0.10
MC Enhanced	2.1% + $0.10
MC World	2.2% + $0.10
MC World Elite	2.6% + $0.10
MC Corporate	2.7% + $0.10

Recurring Payments Interchange Rates

Recurring payments are automatically scheduled payments through recurring billing software. Recurring billing interchange rates are low because these are consistently repeating transactions that also tend to be lower transaction amounts, therefore are considered lower risk.

Visa Recurring Interchange

Card Type	USA Visa Interchange Rates
Visa CPS Retail	1.8% + $0.10
Visa Rewards Traditional	1.95% + $0.10
Visa Rewards Signature	1.95% + $0.10
Visa Corporate	2.4% + $0.10

MasterCard Recurring Interchange

Card Type	USA MC Interchange Rates
Credit Card	N/A

Charities and Non-Profits Interchange Rates

There are special interchange rates for charities and non-profit payment processing listed below. Make sure you get set up properly to take advantage of the low payment processing rates.

Card Type	USA Visa Interchange Rates	USA Mastercard Interchange Rates
Credit Card	N/A	2% + $0.10

Assessments and Association Fees

Assessments and association fees are other fees charged by Visa and MasterCard.

Fee Type	USA Visa Rates	USA Mastercard Rates
Card-Brand	0.14%	0.13% for under $1000, 0.14% for over
International Cross-Border	1%	0.85 %