The table below spreads your transactions between popular Visa and MasterCard debit and credit card types to calculate an estimated discount rate based on average transaction size of $75 and an average volume of $7,500 per month in credit and debit card payments. This rate includes the interchange, card-brand fees, fixed acquirer fees and our cost+ margin. Unlike most providers, there are no additional "qualified", "non-qualified" or "differential" fees.
| Card Type | Popularity |
Interchange Rate
|
Card Brand Fee
|
Helcim Cost+
|
True Rate
|
|---|---|---|---|---|---|
| Visa Debit Retail Swipe CPS | 4 % | 15¢ + 0.800 % | 2.20¢ + 0.1367 % | 0.250 % | = 1.416 % |
| Visa Debit Retail Swipe CPS Regulated | 14 % | 22¢ + 0.050 % | 2.20¢ + 0.1367 % | 0.250 % | = 0.759 % |
| Visa Debit Retail Swipe Business | 1 % | 10¢ + 1.700 % | 2.20¢ + 0.1367 % | 0.250 % | = 2.249 % |
| Visa Debit Retail Swipe Business Regulated | 3 % | 22¢ + 0.050 % | 2.20¢ + 0.1367 % | 0.250 % | = 0.759 % |
| Visa Credit Retail Swipe CPS | 16 % | 10¢ + 1.510 % | 2.20¢ + 0.1667 % | 0.250 % | = 2.089 % |
| Visa Credit Retail Swipe Rewards Traditional | 17 % | 10¢ + 1.650 % | 2.20¢ + 0.1667 % | 0.250 % | = 2.229 % |
| Visa Credit Retail Swipe Rewards Signature | 3 % | 10¢ + 2.300 % | 2.20¢ + 0.1667 % | 0.250 % | = 2.879 % |
| Visa Credit Retail Swipe Rewards Signature Preferred | 4 % | 10¢ + 2.100 % | 2.20¢ + 0.1667 % | 0.250 % | = 2.679 % |
| Visa Credit Retail Swipe Corporate | 3 % | 10¢ + 2.500 % | 2.20¢ + 0.1667 % | 0.250 % | = 3.079 % |
| MC Debit Retail Swipe | 2 % | 15¢ + 1.050 % | 1.95¢ + 0.1467 % | 0.250 % | = 1.673 % |
| MC Debit Retail Swipe Regulated | 8 % | 22¢ + 0.050 % | 1.95¢ + 0.1467 % | 0.250 % | = 0.766 % |
| MC Credit Retail Swipe Consumer | 8 % | 10¢ + 1.580 % | 1.95¢ + 0.1367 % | 0.250 % | = 2.126 % |
| MC Credit Retail Swipe Enhanced | 4 % | 10¢ + 1.730 % | 1.95¢ + 0.1367 % | 0.250 % | = 2.276 % |
| MC Credit Retail Swipe World | 9 % | 10¢ + 1.770 % | 1.95¢ + 0.1367 % | 0.250 % | = 2.316 % |
| MC Credit Retail Swipe World Elite | 2 % | 10¢ + 2.300 % | 1.95¢ + 0.1367 % | 0.250 % | = 2.846 % |
| MC Credit Retail Swipe Corporate | 2 % | 10¢ + 2.500 % | 1.95¢ + 0.1367 % | 0.250 % | = 3.046 % |