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. Like Visa, MasterCard is one of the top credit cards in the US, Canada, and around the world. It is widely used, recognized, and trusted.
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 tables below provide a breakdown of the current Mastercard interchange rates.
Current MasterCard USA Interchange Rates
MC DEBIT KEYED
1.050 % + 15¢
MC DEBIT KEYED REGULATED
0.050 % + 22¢
MC DEBIT KEYED PREPAID
1.050 % + 15¢
Debit Keyed
MC DEBIT KEYED
1.600 % + 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)
2.000 % + 10¢
BUSINESS CARD (L2)
2.160 % + 10¢
BUSINESS CARD (L3)
2.210 % + 10¢
BUSINESS CARD (L4)
2.310 % + 10¢
BUSINESS DEBIT CARD
2.200 % + 10¢
Level 3 Data
CORPORATE, PURCHASING & FLEET
1.800 % + 10¢
BUSINESS CARD (L1)
1.750 % + 10¢
BUSINESS CARD (L2)
1.910 % + 10¢
BUSINESS CARD (L3)
1.960 % + 10¢
BUSINESS CARD (L4)
2.060 % + 10¢
BUSINESS DEBIT CARD
1.800 % + 10¢
LARGE TICKET – CORPORATE, PURCHASING & FLEET $7,254+
1.250 % + $40
LARGE TICKET – BUSINESS CARD (L1) $7,254+
1.200 % + $40
LARGE TICKET – BUSINESS CARD (L2) $7,254+
1.360 % + $40
LARGE TICKET – BUSINESS CARD (L3) $7,254+
1.410 % + $40
LARGE TICKET – BUSINESS CARD (L4) $7,254+
1.510 % + $40
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)
0.0045 %
MC NABU (NETWORK BRAND USAGE FEE)
1.95¢
MC ACCOUNT STATUS INQUIRY (ON $0 AUTH)
2.500¢
MC CVC 2 AUTHORIZATION FEE
0.250¢
MC AVS AUTHORIZATION FEE
1.000¢
MC INTL CROSS-BORDER SUPPORT
0.6000 %
MC INTERNATIONAL CROSS-BORDER
0.8500 %
MC – PER LOCATION ANNUAL FEE
$15/year
Authorization Integrity Fees**
FINAL AUTHORIZATION FEE
0.0283%
FINAL AUTHORIZATION FEE (MINIMUM FOR ABOVE)
4.52¢
PRE-AUTHORIZATION PENALTY
5.085¢
UNDEFINED AUTHORIZATION PENALTY
5.085¢
LINE ITEM PENALTY
1.36¢
*FOR A COMPLETE LIST OF US INTERCHANGE RATES, PLEASE VISIT THE VISA AND MASTERCARD WEBSITES