DiscoverCard Interchange rates

Discover Network & China UnionPay

Discover is one of the top four credit cards used in the world. By having the ability to accept Discover branded cards, your customers benefit from the ease of making payments in-person, by phone and online.

 

First Direct Financial offers you the ability to accept Discover in any format with end-to-end encryption and our Interchange+ pricing model. This combination makes accepting payments at your business safe, secure, affordable and transparent.

Accept China UnionPay

China UnionPay (CUP) is a bankcard association established in March 2002, under the approval of the State Council and the People’s Bank of China. By accepting Discover logo you can automatically accept China UnionPay cards through Discover network.

 

In addition, through our relationship with Elavon you are able to open a direct account for only China UnionPay card acceptance.

Current Discover USA Interchange Rates

Card Type

Interchange Rate

Debit Card-Present

Discover Debit

Discover Debit Regulated

1.100 % + 16¢

0.050 % + 22¢

Debit Keyed

Discover Debit Keyed

Discover Debit Keyed Regulated

1.750 % + 20¢

0.050 % + 22¢

Credit Card-Present

Discover Consumer

Discover Rewards

Discover Premium

Discover Premium Plus

Discover Commercial

1.560 % + 10¢

1.710 % + 10¢

1.710 % + 10¢

2.150 % + 10¢

2.300 % + 10¢

Credit Keyed

Discover Consumer

Discover Rewards

Discover Premium

Discover Premium Plus

Discover Commercial

1.870 % + 10¢

1.970 % + 10¢

2.000 % + 10¢

2.400 % + 10¢

2.300 % + 10¢

Recurring

Discover Debit Recurring

Discover Debit Recurring Regulated

Discover Recurring Consumer

Discover Recurring Rewards

Discover Recurring Premium

Discover Recurring Premium Plus

Discover Recurring Commercial

1.200 % + 5¢

0.050 % + 22¢

1.350 % + 5¢

1.350 % + 5¢

1.350 % + 5¢

1.800 % + 5¢

2.300 % + 10¢

International (card present)

Discover Card-Present International Debit/Prepaid

Discover Card-Present International Consumer

Discover Card-Present International Rewards

Discover Card-Present International Premium

Discover Card-Present International Premium Plus

Discover Card-Present International Commercial

1.200 %

1.650 %

1.650 %

1.650 %

1.650 %

1.900 %

International (keyed)

Discover Card-Present International Debit/Prepaid

Discover Card-Present International Consumer

Discover Card-Present International Rewards

Discover Card-Present International Premium

Discover Card-Present International Premium Plus

Discover Card-Present International Commercial

1.700 % + 10¢

1.700 % + 10¢

1.700 % + 10¢

1.700 % + 10¢

1.790 % + 10¢

1.900 % + 10¢

Assessments and Association Fees

Discover Card-Brand Fee

Discover Data Usage Fee

Discover Data Transmission Fee

Discover International Cross-Border Fee

Discover International Processing Fee

0.130 %

1.950¢

0.250¢

0.800 %

0.500 %

*Above is what is the most common qualification for interchange. As these numbers do change, and to see a full list of US interchange rates, please visit the website here: DISCOVER REGULATION FEES