Skip to content
English
Sign in
Home
  • There are no suggestions because the search field is empty.

Visa Interchange

Visa Interchange refers to the fees that an acquiring bank pays to the issuing bank for each Visa card transaction. These fees are set by Visa and help cover costs related to transaction processing, fraud prevention, and cardholder benefits.

Category Subcategory Description
Card Type Consumer Credit Standard consumer credit cards with base interchange rates.
Consumer Debit Debit cards with generally lower interchange rates than credit cards.
Rewards / Premium Cards Higher interchange rates due to rewards and perks funding.
Commercial Cards Business, purchasing, or corporate cards with unique rate tiers.
Transaction Method Card-Present (Chip, Contactless, Swipe) Lower risk, typically lower rates due to secure authentication.
Card-Not-Present (eCommerce, MOTO) Higher risk of fraud, generally higher rates.
Merchant Category Code (MCC) Industry-Specific Rates Rates vary by merchant category—retail, grocery, travel, etc.
Region Domestic Transactions within the same country, lower rates than cross-border.
Cross-Border Transactions between countries, higher rates due to additional processing and risk.

Key Points:

  • Fees vary based on transaction type, card type, and merchant category.

  • Rates are set by Visa and updated periodically (usually in April and October).

  • Interchange fees are a component of the Merchant Discount Rate (MDR), alongside processor and acquirer fees.

Visa Resource List