MasterCard Interchange Rates

What is Interchange?

Interchange is the fee collected by credit card issuers on every processed transaction. Interchange rates are set by the Card Brands (Visa, Mastercard, American Express) and are mandatory for all credit card processors. The tables below show the breakdown of the current American Express interchange rates. The Interchange Plus processing model helps ensure that you only pay the necessary Interchange rates without any additional markups or added fees to your merchant transactions.

Card Present transaction is when the customer is physically with you in person paying with their credit card for the purchase. Interchange rates for Card Present are usually lower because they are viewed as lower risk transactions.

Credit Card - Card Present

Card TypeMastercard Interchange Rate
MC Consumer 1.65% + 10¢
MC Enhanced1.80% + 10¢
MC World1.90% + 10¢
MC World Elite2.30% + 10¢
MC Corporate2.70% + 10¢

Credit Card - Card Not Present / Keyed

Card TypeMastercard Interchange Rate
MC Keyed Consumer 1.95% + 10¢
MC Keyed Enhanced2.10% + 10¢
MC Keyed World2.20% + 10¢
MC Keyed World Elite2.60% + 10¢
MC Keyed Corporate2.70% + 10¢

Credit Card - Card Present

Card TypeMastercard Interchange Rate
MC Debit1.05% + 15¢
MC Debit Regulated0.05% + 22¢
MC Debit Prepaid1.15% + 15¢

Debit Card - Card Present

Card TypeMastercard Interchange Rate
MC Debit Keyed1.65% + 15¢
MC Debit Keyed Regulated0.05% + 22¢
MC Debit Keyed Prepaid1.76% + 20¢

Charities

Card TypeMastercard Interchange Rate
MC Charity Debit (non-regualted)1.45% + 15¢
MC Charity Credit2.00% + 10¢

International

Card TypeMastercard Interchange Rate
MC International1.10%
MC International Keyed1.60%

Assessments & Association Fees

Card TypeMastercard Interchange Rate
MC Card-Brand (Under $1,000)0.13%
MC Card-Brand (Over $1,000)0.14%
MC ALF (Acquirer License Fee)0.0047%
MC NABU (Network Brand Usage Fee)$0.0195
MC Account Status Inquiry (on $0 auth)$0.025
MC CVC 2 Authorization Fee$0.0025
MC AVS Authorization Fee$0.01
MC Intl Cross-Border Support0.60%
MC International Cross-Border0.85%
MC - Per Location Annual Fee$1.25 / Month
For a complete list of MasterCard interchange rates, visit MasterCard’s website

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