Set by Discover
Interchange rates are determined by Discover and apply equally to all processors and acquirers. No processor can negotiate a lower interchange rate.
Discover Interchange Rates USA.
Discover is one of the top four credit cards in North America, along with Visa, Mastercard and American Express — and is especially common with younger consumers. By accepting Discover, your customers can pay in-person, by phone and online. Below is a full breakdown of Discover's current US interchange rates — the base cost charged by the cardholder's bank on every transaction. At Helcim, we pass these rates directly to you with our transparent Interchange Plus pricing.
Multiple Tiers
Rates vary by card type (Consumer, Infinite, Corporate), how the card is entered (chip, keyed, online), and the merchant category.
Full Transparency
With Interchange Plus, you see the exact interchange cost on your statement. Helcim only adds a small, transparent margin on top.
USA
Discover Credit Card Interchange Rates
These are the base interchange rates charged by the cardholder's bank on every Discover credit transaction in the United States. The rate depends on how the card is presented (swiped, keyed, or online) and the card tier (Consumer, Rewards, Premium, Premium Plus, Commercial).
Card Type
Interchange Rate
Card-Present (Chip / Tap / Swipe)
Transactions where the physical card is present at the point of sale — includes chip-insert, contactless tap, and magnetic swipe. These typically have the lowest interchange rates because they carry less fraud risk.
Consumer
1.560% + 10¢
Rewards
1.710% + 10¢
Premium
1.710% + 10¢
Premium Plus
2.150% + 10¢
Commercial
2.300% + 10¢
Keyed (Card-Not-Present)
The card number is manually keyed into a terminal, POS, or online checkout. These carry higher rates than card-present due to increased fraud risk.
Keyed Consumer
1.890% + 10¢
Keyed Rewards
2.000% + 10¢
Keyed Premium
2.000% + 10¢
Keyed Premium Plus
2.400% + 10¢
Keyed Commercial
2.300% + 10¢
Recurring Payments
Applies to subscription and recurring billing transactions where the cardholder has authorized ongoing charges — such as gym memberships, SaaS, or insurance premiums.
Recurring Consumer
1.350% + 5¢
Recurring Rewards
1.350% + 5¢
Recurring Premium
1.350% + 5¢
Recurring Premium Plus
1.800% + 5¢
Recurring Commercial
2.300% + 10¢
Discover Debit Card Interchange Rates
Discover Debit cards have a separate interchange schedule from credit cards. These rates apply to Discover-branded debit transactions. Regulated debit rates apply to cards issued by financial institutions with over $10 billion in assets, as required by the Durbin Amendment.
Card Type
Interchange Rate
Card-Present
Debit transactions where the physical card is present at the terminal.
Debit
1.100% + 16¢
Debit Regulated
0.050% + 22¢
Keyed
Debit transactions where the card number is entered manually or online.
Debit Keyed
1.750% + 20¢
Debit Keyed Regulated
0.050% + 22¢
Recurring Payments
Debit cards used for recurring or subscription billing.
Debit Recurring
1.200% + 5¢
Debit Recurring Regulated
0.050% + 22¢
International Rates
Applied when the cardholder's bank is in a different country than the merchant. International transactions carry higher rates due to cross-border processing and currency conversion risk.
Card Type
Interchange Rate
International Card-Present (In-Person)
International cards presented at a physical terminal — chip, tap, or swipe.
Card-Present International Debit/Prepaid
1.200%
Card-Present International Consumer
1.650%
Card-Present International Rewards
1.650%
Card-Present International Premium
1.650%
Card-Present International Premium Plus
1.650%
Card-Present International Commercial
1.900%
International Keyed (Card-Not-Present)
International cards where the number is manually keyed or entered online.
Keyed International Debit/Prepaid
1.700% + 10¢
Keyed International Consumer
1.700% + 10¢
Keyed International Rewards
1.700% + 10¢
Keyed International Premium
1.700% + 10¢
Keyed International Premium Plus
1.790% + 10¢
Keyed International Commercial
1.900% + 10¢
Assessments & Association Fees
In addition to interchange, Discover charges network-level fees (assessments) on every transaction. These fees are set by Discover and apply uniformly to all payment processors. They cover the cost of operating the Discover network, fraud prevention programs, and cross-border settlement.
Fee Name
Amount
Discover Card-Brand
0.130%
Discover Data Usage Fee
1.95¢
Discover Data Transmission Fee
0.25¢
Discover International Cross-Border
0.800%
Discover International Processing Fee
0.500%
Notes
1 The above are the most common interchange qualifications. For a complete list of US interchange rates, please contact the Discover Card Network.
Transparent pricing. Always.
With Interchange Plus pricing, you see exactly what goes to the card network and what goes to Helcim. No hidden markups, no bundled rates, no surprises on your statement.
No hidden fees
Interchange Plus Pricing
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