Mastercard USA Interchange Rates.

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

What is the Mastercard Interchange?

Interchange is the fee collected by the customer’s credit card bank (the Mastercard card-issuer) on every transaction. These rates are set by Mastercard 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 Mastercard interchange rates.

Mastercard USA Debit & Credit Interchange Rates.

Card-TypeInterchange Rate
*** Debit Card-Present
MC Debit
1.050 % + 15¢
MC Debit Regulated
0.050 % + 22¢
MC Debit Prepaid
1.050 % + 15¢
*** Debit Keyed
MC Debit Keyed
1.650 % + 15¢
MC Debit Keyed Regulated
0.050 % + 22¢
MC Debit Keyed Prepaid
1.760 % + 20¢
*** Credit Card-Present
MC Consumer
1.580 % + 10¢
MC Enhanced
1.730 % + 10¢
MC World
1.770 % + 10¢
MC World Elite
2.200 % + 10¢
MC Corporate
2.700 % + 10¢
*** Credit Keyed
MC Keyed Consumer
1.890 % + 10¢
MC Keyed Enhanced
2.040 % + 10¢
MC Keyed World
2.050 % + 10¢
MC Keyed World Elite
2.500 % + 10¢
MC Keyed Corporate
2.700 % + 10¢
*** Real Estate & Property Management
MC Real Estate Consumer
1.100 % + 10¢
MC Real Estate Enhanced
1.100 % + 10¢
MC Real Estate World
1.100 % + 10¢
MC Real Estate World Elite
2.200 % + 10¢
MC Real Estate Corporate
2.700 % + 10¢
*** Charities
MC Charity Debit (non-regulated)
1.450 % + 15¢
MC Charity Credit
2.000 % + 10¢
*** International
MC International
1.100 %
MC International Keyed
1.600 %
*** Level 2 Data
Corporate, Purchasing & Fleet
2.500 % + 10¢
Business Card (L1)
1.900 % + 10¢
Business Card (L2)
2.050 % + 10¢
Business Card (L3)
2.100 % + 10¢
Business Card (L4)
2.200 % + 10¢
Business Debit Card
2.100 % + 10¢
*** Level 3 Data
Corporate, Purchasing & Fleet
1.900 % + 10¢
Large Ticket - Corporate, Purchasing & Fleet $7,254+
1.450 % + $35

Mastercard Assessments and Association Fees.

Assessments and Association FeesRate
MC Card-Brand (Under $1,000)
0.1300 %
MC Card-Brand (Over $1,000)
0.1400 %
MC ALF (Acquirer License Fee)
0.0047 %
MC NABU (Network Brand Usage Fee)
$0.0195
MC Account Status Inquiry (on $0 auth)
$0.0250
MC CVC 2 Authorization Fee
$0.0025
MC AVS Authorization Fee
$0.0100
MC Intl Cross-Border Support
0.6000 %
MC International Cross-Border
0.8500 %
MC - Per Location Annual Fee
$1.25/month

*Above are the most common interchange qualifications. For a complete list of US interchange rates, please visit the MasterCard websites below:

View MasterCard Official Interchange Rates →

Better Pricing.

Lower Rates, No Monthly Fees

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

1.92% + 8¢

card-pindebit

Average PIN-Debit Rate

0.91% + 8¢

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

1.77% + 8¢

Interac

Average PIN-Debit Rate

9¢

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

2.38% + 25¢

visa
mastercard
amex
Discover Logo

Average Credit Card Rate

2.47% + 25¢

FAQ.

Transparency, low rates, smart tools and amazing service! Many merchants have been dragged through the mud by their prior processor, with hidden fees, contracts, and terrible service. We’ve built our reputation on being the opposite. We care about building long-term relationships with our merchants - which means offering you the payment service you’ve been looking for.

Have more questions? Email or give us a call. Our in-house team of Helcim Merchant Experience Specialists is here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

If your business is looking for a better way to accept credit and debit cards online or in-person, then Helcim is the payments company for you. Helcim offers a wide range of payment tools and software solutions to make it faster and easier for you to get paid.

No! We want to help small businesses grow and thrive, so there are no monthly fees. Your Helcim account allows you to process both in-person and online payments with great low processing rates. You also get full access to all of our merchant tools and benefit from our amazing customer service team.

For Visa, Mastercard, Amex and other card-brands, we offer Interchange Plus pricing to give you complete transparency and greater savings. By passing the base cost directly to you and only charging for a single markup, Interchange Plus pricing gives you significant savings. By knowing our cost as well as our markup, we promote a fully transparent partnership which means no surprises on your monthly statement!

To calculate your rates for in-person and online transactions, you can visit our pricing page.

Yes! And there is no need to call and renegotiate rates. Our Interchange Plus margin automatically decreases the more you process, helping you save even more.

You can view our complete volume discounts on our pricing page.

No! You can close your account anytime without any penalty and there are no hidden fees. You never again have to worry about setup fees, termination fees, quarterly fees, PCI & non-compliance fees, customer service fees, or bank deposit fees.

Deposits will appear in your bank account within 2 business days, depending on the time of day that your transactions are settled. Transactions processed over the weekend or bank holidays are initialized for deposit on the following business day. Your daily transactions are batched together, and deposited to your bank account net of processing fees.

The Helcim Shop is built right into your account dashboard, and is accessible immediately after signing up. You can order card readers, stands, printers and more directly from there.

Shipping is free and takes 2-3 business days via FedEx or UPS ground. Any equipment purchases are charged to your bank account on file. We do not currently offer rentals nor payment plans.

No! You can use your existing bank account, provided by your financial institution or credit union. Sole proprietors can use a personal bank account. Incorporated business and partnerships are required to use a business bank account

Law firms and other businesses that require separate trust and operating bank accounts are able to customize the flow of deposits and fees to meet their needs.

How does signing up work?
You can sign up directly on our website using your computer or mobile phone. There is no need for complicated paperwork nor signatures. The signup form takes as little as 5-minutes, asking you to enter basic information about your business, address and contact information.

Once you create your Helcim account, you can begin using it right away! Get started here.

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Contact Us​.

We’re Always Happy to Help!

Our in-house team of Merchant Experience Specialists are here to share their knowledge, answer your questions and point you in the right direction. No commissions, no pressure.

New to accepting card payments? Many of our merchants are first time business owners who are unfamiliar with the industry. We take the time to help you understand how it all works as well as how to avoid common pitfalls.

Get In Touch

Toll-Free: +1 (877) 643-5246

 

Calgary Head-Office:

Suite 400 – 440 2 Ave SW

Calgary, Alberta T2P 5E9

Seattle Office:

Suite 4200 – 701 5th Avenue

Seattle, Washington 98104