Mastercard Interchange rates

Mastercard Card-Network

Mastercard is the second most commonly used and accepted card in the world with 191 million cardholders and over 210 countries currently processing transactions. By having the ability to accept Mastercard 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 Mastercard 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.

Current Mastercard USA Interchange Rates

Card Type

Interchange Rate

Debit Card-Present

MC Debit

MC Debit Regulated

MC Debit Prepaid

1.050 % + 15¢

0.050 % + 22¢

1.050 % + 15¢

Debit Keyed

MC Debit

MC Debit Regulated

MC Debit Prepaid

1.600 % + 15¢

0.050 % + 22¢

1.760 % + 20¢

Credit Card-Present

MC Consumer

MC Enhanced

MC World

MC World Elite

MC Corporate

1.580 % + 10¢

1.730 % + 10¢

1.770 % + 10¢

2.200 % + 10¢

2.700 % + 10¢

Credit Keyed

MC Keyed Consumer

MC Keyed Enhanced

MC Keyed World

MC Keyed World Elite

MC Keyed Corporate

1.890 % + 10¢

2.040 % + 10¢

2.050 % + 10¢

2.500 % + 10¢

2.700 % + 10¢

Real Estate & Property Management

MC Real Estate Consumer

MC Real Estate Enhanced

MC Real Estate World

MC Real Estate World Elite

MC Real Estate Corporate

1.100 % + 10¢

1.100 % + 10¢

1.100 % + 10¢

2.200 % + 10¢

2.700 % + 10¢

Charities

MC Charity Debit (non-regulated)

MC Charity Credit

1.450 % + 15¢

2.000 % + 10¢

International

MC International

MC International Keyed

1.100 %

1.600 %

Level 2 Data

Corporate, Purchasing & Fleet

Business Card (Tier 1)

Business Card (Tier 2)

Business Card (Tier 3)

Business Card (Tier 4)

Business Debit Card

2.500 % + 10¢

2.000 % + 10¢

2.160 % + 10¢

2.210 % + 10¢

2.310 % + 10¢

2.200 % + 10¢

Level 3 Data

Corporate, Purchasing & Fleet

Business Card (Level 1)

Business Card (Level 2)

Business Card (Level 3)

Business Card (Level 4)

Business Debit Card

Large Ticket – Corporate, Purchasing & Fleet ($7,254+)

Large ticket – Business Card (Level 1) ($7,254+)

Large ticket – Business Card (Level 2) ($7,254+)

Large ticket – Business Card (Level 3) ($7,254+)

Large ticket – Business Card (Level 4) ($7,254+)

1.800 % + 10¢

1.750 % + 10¢

1.910 % + 10¢

1.960 % + 10¢

2.060 % + 10¢

1.800 % + 10¢

1.250 % + $40

1.200 % + $40

1.360 % + $40

1.410 % + $40

1.510 % + $40

Assessments and Association Fees

MC Card-Brand (Under $1,000)

MC Card-Brand (Over $1,000)

MC ALF (Acquirer License Fee)

MC NABU (Network Brand Usage Fee)

MC Account Status Inquiry (on $0 authorization)

MC CVC 2 Authorization Fee

MC AVS Authorization Fee

MC International Cross-Border Support

MC International Cross-Border

MC Per Location Annual Fee

0.1300 %

0.1400 %

0.0045 %

1.950¢

2.500¢

0.250¢

1.000¢

0.6000 %

0.8500 %

$15 / year

Authorization Integrity Fees**

Final Authorization Fee

Final Authorization Fee (minimum for above)

Pre-Authorization Penalty

Undefined Authorization Penalty

Line Item Penalty

0.0283 %

4.52¢

5.085¢

5.085¢

1.36¢

*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 Mastercard website here: MASTERCARD REGULATION FEES

**Merchants are impacted by these Mastercard fees when authorization has not been cleared or settled or reversed within 30 days of pre-authorization and/or 7 days of final sale.