DiscoverCard Interchange rates
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