Visa Interchange Rates.

Visa is one of the most commonly held and accepted credit cards in the US, Canada and the world. By accepting Visa, your customers can pay in-person, by phone and online. Helcim makes it easier and more affordable for your business to accept Visa cards so you can offer your customers a fast, reliable and secure method of payment. We display Visa's Interchange rates on our website as part of our transparent Interchange Plus pricing.

What is the Visa Interchange?

Interchange is the fee collected by the customer's credit card bank (the Visa card-issuer) on every transaction. These rates are set by Visa 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 interchange rates are part of our Interchange Plus pricing. The tables below provide a breakdown of the current Visa interchange rates.

Current Visa Canada Interchange Rates.

Card-Type Interchange Rate
Card-Present  
Swipe/Chip Consumer 1.420 %  
Swipe/Chip Infinite 1.610 %  
Swipe/Chip Corporate 1.900 %  
Swipe/Chip Infinite Privilege 2.080 %  
Keyed  
Keyed Consumer 1.520 %  
Keyed Premium 1.710 %  
Keyed Corporate 2.000 %  
Keyed Infinite Privilege 2.450 %  
Recurring Payments  
Recurring Consumer 1.370 %  
Recurring Infinite 1.560 %  
Recurring Corporate 1.850 %  
Recurring Infinite Privilege 1.950 %  
Emerging Markets / Charities  
Swipe/Chip/Keyed Consumer 0.980 %  
Swipe/Chip/Keyed Infinite 1.170 %  
Swipe/Chip/Keyed Corporate 1.800 %  
Swipe/Chip/Keyed Infinite Privilege 1.950 %  
Gas and Service Stations  
Swipe/Chip Consumer 1.180 %  
Swipe/Chip Infinite 1.370 %  
Swipe/Chip Corporate 1.800 %  
Swipe/Chip Infinite Privilege 1.950 %  
Groceries and Supermarkets  
Swipe/Chip Consumer 1.330 %  
Swipe/Chip Infinite 1.520 %  
Swipe/Chip Corporate 1.850 %  
Swipe/Chip Infinite Privilege 1.950 %  
Level 2 Data  
Corporate & Purchasing 1.600 %  
Fuel Purchasing Cards 1.800 %  
Level 3 Data  
Corporate & Purchasing 1.400 %  
Large Ticket     $7,000 - $15,000 1.300% + $35  
Large Ticket     $15,000 - $50,000 1.200% + $35  
Large Ticket     $50,000+ 1.100% + $35  
(Debit) Card-Type Interchange Rate
Card-Present  
Debit Retail 0.250 % + 5¢  
Debit Grocery 0.150 % + 5¢  
Debit Gas Station 0.150 % + 5¢  
Keyed  
Debit Keyed 1.150 %  
Emerging Markets / Charities  
Debit Emerging Market 0.300 %  
Recurring Payments  
Debit Recurring 0.600 %  
Assessments and Association Fees  
Visa Card-Brand 0.1017 %  
Visa International Cross-Border - Card-Present (CAD) 0.4520 %  
Visa International Cross-Border - Keyed (CAD) 0.9605 %  
Visa International Cross-Border (USD) 0.9020 %  

*HST is charged to the acquirer/processor on network card-brand, association and cross-border fees. Visa listed card-brand fees is 0.080% respectively. Because this is an absorbed cost by the acquirer who are not allowed to claim ITCs in Canada, the HST on the card-brand fee cannot be used as an ITC by the merchant. Does not apply to interchange, per transaction or cost+ fees. Below are list to the official Visa and MasterCard interchange tables.

Visa Canada Official Interchange Rates
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Better Pricing,
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$

First 6 Months Are On Us!

20

/monthly

First 6 Months Are On Us!

We want to help small businesses get back on their feet, so we're waiving our $20 monthly fee for your first 6 months - no questions asked. You get full access to all of our tools, as well as our great low processing rates.

  • No Contracts
  • Volume Discounts
  • Deposits in 1-2 Business Days
  • No PCI Fees
  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate

1.93% + 8¢

  • Interac
Interac Chip & PIN

9¢

  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate

2.42% + 25¢

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