Mastercard 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.

Current Mastercard USA Interchange Rates.

Card-Type Interchange 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  
Assessments and Association Fees  
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:

MasterCard Interchange
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Better Pricing,
Lower Rates.

$

First 3 Months Are On Us!

20

/monthly

First 3 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 3 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

1.92% + 8¢

  • PIN Debit
Average PIN-Debit Rate

0.91% + 8¢

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

2.38% + 25¢

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