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 USA Interchange Rates.

Card-Type Interchange Rate
Debit Card-Present  
Swipe/Chip Consumer 0.800 % + 15¢  
Visa Debit CPS Regulated 0.050 % + 22¢  
Visa Debit Prepaid 1.150 % + 15¢  
Visa Debit Business 1.700 % + 15¢  
Visa Debit Business Regulated 0.050 % + 22¢  
Debit Keyed  
Visa Debit Keyed CPS 1.650 % + 15¢  
Visa Debit Keyed CPS Regulated 0.050 % + 22¢  
Visa Debit Keyed Prepaid 1.750 % + 20¢  
Visa Debit Keyed Business 2.450 % + 10¢  
Visa Debit Business Regulated 0.050 % + 22¢  
Credit Card-Present  
Visa CPS Retail 1.510 % + 10¢  
Visa Rewards Traditional 1.650 % + 10¢  
Visa Rewards Signature 2.300 % + 10¢  
Visa Rewards Signature Preferred 2.100 % + 10¢  
Visa Corporate 2.500 % + 10¢  
Visa Business 2.200 % + 10¢  
Visa Purchasing 2.500 % + 10¢  
Credit Keyed  
Visa Keyed CPS Retail 1.800 % + 10¢  
Visa Keyed Rewards Traditional 1.950 % + 10¢  
Visa Keyed Rewards Signature 2.700 % + 10¢  
Visa Keyed Rewards Signature Preferred 2.400 % + 10¢  
Visa Keyed Corporate 2.700 % + 10¢  
Visa Keyed Business 2.250 % + 20¢  
Visa Keyed Purchasing 2.700 % + 10¢  
International  
Visa International 1.100 %  
Visa International Premium 1.800 %  
Visa International Corporate 2.000 %  
Visa International Keyed 1.600 %  
Level 2 Data  
Corporate & Purchasing 2.050 % + 10¢  
Business Card (Tier 1) 2.050 % + 10¢  
Business Card (Tier 2) 2.050 % + 10¢  
Business Card (Tier 3) 2.050 % + 10¢  
Business Card (Tier 4) 2.200 % + 10¢  
Level 3 Data  
Corporate & Purchasing 1.900 % + 10¢  
Large Ticket - Corporate & Purchasing     $8,725+ 1.450% + $35  
Large Ticket - Government     $5,984+ 1.200% + $39  
Assessments and Association Fees  
Visa Card-Brand 0.1400 %  
Visa NAPF (Network Acquirer Processing Fee) - Credit $0.0195  
Visa NAPF (Network Acquirer Processing Fee) - Debit $0.0155  
Visa Clearing Access $0.0025  
Visa International Cross-Border 1.0000 %  
Visa Intl Acquirer Service Fee 0.4500 %  
Visa Intl Acquirer Processing Fee - Credit $0.0355  
Visa Intl Acquirer Processing Fee - Debit $0.0395  
Visa FANF (Fixed Acquirer Network Fee)  
Visa FANF - Card-Present Per Location $2/mth  
Visa FANF - Keyed Volume $1,000 - $3,999 $7/mth  
Visa FANF - Keyed Volume $4,000 - $7,999 $9/mth  
Visa FANF - Keyed Volume $8,000 - $39,999 $15/mth  
Visa FANF - Keyed Volume $40,000 - $199,999 $45/mth  

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

Visa Regulation Fees
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Better Pricing,
Lower Rates.

$

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

1.92% + 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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