Helcim Merchant Services & Credit Card Processing United States Helcim Merchant Services Canada

Visa and MasterCard
US Interchange Rates

What is the Visa and MasterCard Interchange?

Interchange is the fee collected by the customer's credit card bank on every transaction. These rates are set by Visa and 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 Cost+ pricing program. The tables below provide a breakdown of the current interchange rates.

New
» MasterCard USA Annual Per-Location Fee - December 2016

Current US Interchange Rates

Visa Debit MasterCard Debit
Debit Retail Swipe Debit Retail Swipe
Visa Debit CPS 0.800 % + 15¢ MC Debit 1.050 % + 15¢
Visa Debit CPS Regulated 0.050 % + 22¢ MC Debit Regulated 0.050 % + 22¢
Visa Debit Prepaid 1.150 % + 15¢ MC Debit Prepaid 1.050 % + 15¢
Visa Debit Business 1.650 % + 15¢    
Visa Debit Business Regulated 0.050 % + 22¢    
 
Debit Keyed Debit Keyed
Visa Debit Keyed CPS 1.650 % + 15¢ MC Debit Keyed 1.600 % + 15¢
Visa Debit Keyed CPS Regulated 0.050 % + 22¢ MC Debit Keyed Regulated 0.050 % + 22¢
Visa Debit Keyed Prepaid 1.750 % + 20¢ MC Debit Keyed Prepaid 1.760 % + 20¢
Visa Debit Keyed Business 2.450 % + 10¢    
Visa Debit Keyed Business Regulated 0.050 % + 22¢    
 
Visa Credit MasterCard Credit
Retail Swipe Retail Swipe
Visa CPS Retail 1.510 % + 10¢ MC Consumer 1.580 % + 10¢
Visa Rewards Traditional 1.650 % + 10¢ MC Enhanced 1.730 % + 10¢
Visa Rewards Signature 2.300 % + 10¢ MC World 1.770 % + 10¢
Visa Rewards Signature Preferred 2.100 % + 10¢ MC World Elite 2.300 % + 10¢
Visa Corporate 2.100 % + 10¢ MC Corporate 1.900 % + 10¢
Visa Business 2.200 % + 10¢    
Visa Purchasing 2.400 % + 10¢    
 
Keyed Keyed
Visa Keyed CPS Retail 1.800 % + 10¢ MC Keyed Consumer 1.890 % + 10¢
Visa Keyed Rewards Traditional 1.950 % + 10¢ MC Keyed Enhanced 2.040 % + 10¢
Visa Keyed Rewards Signature 2.700 % + 10¢ MC Keyed World 2.050 % + 10¢
Visa Keyed Rewards Signature Preferred 2.300 % + 10¢ MC Keyed World Elite 2.950 % + 10¢
Visa Keyed Corporate 2.950 % + 10¢ MC Keyed Corporate 2.650 % + 10¢
Visa Keyed Business 2.950 % + 20¢    
Visa Keyed Purchasing 2.950 % + 10¢    
 
  Real Estate & Property Management
    MC Real Estate Consumer 1.100 %
    MC Real Estate Enhanced 1.100 %
    MC Real Estate World 1.100 %
    MC Real Estate World Elite 2.200 %
    MC Real Estate Corporate 2.650 % + 10¢
 
  Charities
    MC Charity Debit (non-regulated) 1.450 % + 15¢
    MC Charity Credit 2.000 % + 10¢
 
International International
Visa International 1.100 % MC International 1.100 %
Visa International Premium 1.100 % MC International Keyed 1.600 %
Visa International Corporate 2.000 %    
Visa International Keyed 1.600 %    
 
Association Fees Association Fees
Visa Card-Brand 0.1300 % MC Card-Brand (Under $1000) 0.1100 %
Visa NAPF (Network Acquirer Processing Fee) 1.95¢ MC Card-Brand (Over $1000) 0.1300 %
Visa Clearing Access 0.25¢ MC ALF (Acquirer License Fee) 0.0045 %
    MC NABU (Network Brand Usage Fee) 0.185¢
    MC Account Status Inquiry (on $0 auth) 2.500¢
Visa International Cross-Border 0.8000 % MC CVC 2 Authorization Fee 0.250¢
Visa Intl Acquirer Service Fee 0.4500 % MC AVS Authorization Fee 1.000¢
Visa FANF (Fixed Acquirer Network Fee)   MC Intl Cross-Border Support 0.6000 %
Visa FANF - Card-Present Per Location $2/mth MC International Cross-Border 0.8500 %
Visa FANF - Keyed Volume $1,000 - $3,999 $7/mth MC - Per Location Annual Fee 2016 $7.50/year
Visa FANF - Keyed Volume $4,000 - $7,999 $9/mth MC - Per Location Annual Fee 2017+ $15/year
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, please visit the Visa and MasterCard websites below:
https://usa.visa.com/content/dam/VCOM/download/merchants/visa-usa-interchange-reimbursement-fees-2016-april.pdf
https://www.mastercard.us/content/dam/mccom/en-us/documents/merchant-interchange-2016-17.pdf

Calculating Your True Rates

Retail Merchants

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 % 0.180 % =   1.346 %
Visa Debit Retail Swipe CPS Regulated 14 % 22¢ + 0.050 % 2.20¢ + 0.1367 % 0.180 % =   0.689 %
Visa Debit Retail Swipe Business 1 % 10¢ + 1.700 % 2.20¢ + 0.1367 % 0.180 % =   2.179 %
Visa Debit Retail Swipe Business Regulated 3 % 22¢ + 0.050 % 2.20¢ + 0.1367 % 0.180 % =   0.689 %
Visa Credit Retail Swipe CPS 16 % 10¢ + 1.510 % 2.20¢ + 0.1567 % 0.180 % =   2.009 %
Visa Credit Retail Swipe Rewards Traditional 17 % 10¢ + 1.650 % 2.20¢ + 0.1567 % 0.180 % =   2.149 %
Visa Credit Retail Swipe Rewards Signature 3 % 10¢ + 2.300 % 2.20¢ + 0.1567 % 0.180 % =   2.799 %
Visa Credit Retail Swipe Rewards Signature Preferred 4 % 10¢ + 2.100 % 2.20¢ + 0.1567 % 0.180 % =   2.599 %
Visa Credit Retail Swipe Corporate 3 % 10¢ + 2.100 % 2.20¢ + 0.1567 % 0.180 % =   2.599 %
MC Debit Retail Swipe 2 % 15¢ + 1.050 % 2.85¢ + 0.1145 % 0.180 % =   1.583 %
MC Debit Retail Swipe Regulated 8 % 22¢ + 0.050 % 2.85¢ + 0.1145 % 0.180 % =   0.676 %
MC Credit Retail Swipe Consumer 8 % 10¢ + 1.580 % 2.85¢ + 0.1145 % 0.180 % =   2.046 %
MC Credit Retail Swipe Enhanced 4 % 10¢ + 1.730 % 2.85¢ + 0.1145 % 0.180 % =   2.196 %
MC Credit Retail Swipe World 9 % 10¢ + 1.770 % 2.85¢ + 0.1145 % 0.180 % =   2.236 %
MC Credit Retail Swipe World Elite 2 % 10¢ + 2.300 % 2.85¢ + 0.1145 % 0.180 % =   2.766 %
MC Credit Retail Swipe Corporate 2 % 10¢ + 2.500 % 2.85¢ + 0.1145 % 0.180 % =   2.966 %
Average Transaction Rate 1.80%  +  8¢
  • The orange portion is the true cost set by Visa and MasterCard.
  • The blue portion is our margin.
  • The green portion is your true rate for that particular transaction.

Virtual Terminal & E-Commerce Merchants

Card Type Popularity Interchange Rate Card-Brand Fee Helcim Cost+ True Rate
Visa Debit Keyed CPS 4 % 15¢ + 1.650 % 2.20¢ + 0.2300 % 0.360 % =   2.309 %
Visa Debit Keyed CPS Regulated 14 % 22¢ + 0.050 % 2.20¢ + 0.2300 % 0.360 % =   0.737 %
Visa Debit Keyed Business 1 % 10¢ + 2.450 % 2.20¢ + 0.2300 % 0.360 % =   3.089 %
Visa Debit Keyed Business Regulated 3 % 22¢ + 0.050 % 2.20¢ + 0.2300 % 0.360 % =   0.737 %
Visa Credit Keyed CPS 16 % 10¢ + 1.800 % 2.20¢ + 0.2500 % 0.360 % =   2.459 %
Visa Credit Keyed Rewards Traditional 17 % 10¢ + 1.950 % 2.20¢ + 0.2500 % 0.360 % =   2.609 %
Visa Credit Keyed Rewards Signature 3 % 10¢ + 2.700 % 2.20¢ + 0.2500 % 0.360 % =   3.359 %
Visa Credit Keyed Rewards Signature Preferred 4 % 10¢ + 2.400 % 2.20¢ + 0.2500 % 0.360 % =   3.059 %
Visa Credit Keyed Corporate 3 % 10¢ + 2.650 % 2.20¢ + 0.2500 % 0.360 % =   3.309 %
MC Debit Keyed 2 % 15¢ + 1.600 % 2.85¢ + 0.1145 % 0.360 % =   2.146 %
MC Debit Keyed Regulated 8 % 22¢ + 0.050 % 2.85¢ + 0.1145 % 0.360 % =   0.624 %
MC Credit Keyed Consumer 8 % 10¢ + 1.890 % 2.85¢ + 0.1145 % 0.360 % =   2.416 %
MC Credit Keyed Enhanced 4 % 10¢ + 2.040 % 2.85¢ + 0.1145 % 0.360 % =   2.566 %
MC Credit Keyed World 9 % 10¢ + 2.050 % 2.85¢ + 0.1145 % 0.360 % =   2.576 %
MC Credit Keyed World Elite 2 % 10¢ + 2.500 % 2.85¢ + 0.1145 % 0.360 % =   3.026 %
MC Credit Keyed Corporate 2 % 10¢ + 2.650 % 2.85¢ + 0.1145 % 0.360 % =   3.176 %
Average Transaction Rate 2.15%  +  25¢

Real Estate & Property Management

Card Type Popularity Interchange Rate Card-Brand Fee Helcim Cost+ True Rate
Visa Debit Real Estate CPS 4 % 15¢ + 1.650 % 2.20¢ + 0.2300 % 0.360 % =   2.251 %
Visa Debit Real Estate CPS Regulated 14 % 22¢ + 0.050 % 2.20¢ + 0.2300 % 0.360 % =   0.656 %
Visa Debit Real Estate Business 1 % 10¢ + 2.450 % 2.20¢ + 0.2300 % 0.360 % =   3.048 %
Visa Debit Real Estate Business Regulated 3 % 22¢ + 0.050 % 2.20¢ + 0.2300 % 0.360 % =   0.656 %
Visa Credit Real Estate CPS 16 % 10¢ + 1.800 % 2.20¢ + 0.2500 % 0.360 % =   2.418 %
Visa Credit Real Estate Rewards Traditional 17 % 10¢ + 1.950 % 2.20¢ + 0.2500 % 0.360 % =   2.568 %
Visa Credit Real Estate Rewards Signature 3 % 10¢ + 2.700 % 2.20¢ + 0.2500 % 0.360 % =   3.318 %
Visa Credit Real Estate Rewards Signature Preferred 4 % 10¢ + 2.400 % 2.20¢ + 0.2500 % 0.360 % =   3.018 %
Visa Credit Real Estate Corporate 3 % 10¢ + 2.650 % 2.20¢ + 0.2500 % 0.360 % =   3.268 %
MC Debit Real Estate 2 % 1.100 % 2.85¢ + 0.1145 % 0.360 % =   1.576 %
MC Debit Real Estate Regulated 8 % 22¢ + 0.050 % 2.85¢ + 0.1145 % 0.360 % =   0.541 %
MC Credit Real Estate Consumer 8 % 1.100 % 2.85¢ + 0.1145 % 0.360 % =   1.576 %
MC Credit Real Estate Enhanced 4 % 1.100 % 2.85¢ + 0.1145 % 0.360 % =   1.576 %
MC Credit Real Estate World 9 % 1.100 % 2.85¢ + 0.1145 % 0.360 % =   1.576 %
MC Credit Real Estate World Elite 2 % 2.200 % 2.85¢ + 0.1145 % 0.360 % =   2.676 %
MC Credit Real Estate Corporate 2 % 10¢ + 2.650 % 2.85¢ + 0.1145 % 0.360 % =   3.133 %
Average Transaction Rate 1.90%  +  25¢

Charities

Card Type Popularity Interchange Rate Card-Brand Fee Helcim Cost+ True Rate
Visa Debit Charity CPS 4 % 15¢ + 1.650 % 2.20¢ + 0.2300 % 0.150 % =   2.041 %
Visa Debit Charity CPS Regulated 14 % 22¢ + 0.050 % 2.20¢ + 0.2300 % 0.150 % =   0.446 %
Visa Debit Charity Business 1 % 10¢ + 2.450 % 2.20¢ + 0.2300 % 0.150 % =   2.838 %
Visa Debit Charity Business Regulated 3 % 22¢ + 0.050 % 2.20¢ + 0.2300 % 0.150 % =   0.446 %
Visa Credit Charity CPS 16 % 10¢ + 1.350 % 2.20¢ + 0.2500 % 0.150 % =   1.758 %
Visa Credit Charity Rewards Traditional 17 % 10¢ + 1.950 % 2.20¢ + 0.2500 % 0.150 % =   2.358 %
Visa Credit Charity Rewards Signature 3 % 10¢ + 2.700 % 2.20¢ + 0.2500 % 0.150 % =   3.108 %
Visa Credit Charity Rewards Signature Preferred 4 % 10¢ + 2.400 % 2.20¢ + 0.2500 % 0.150 % =   2.808 %
Visa Credit Charity Corporate 3 % 10¢ + 2.650 % 2.20¢ + 0.2500 % 0.150 % =   3.058 %
MC Debit Charity 2 % 15¢ + 1.450 % 2.85¢ + 0.1145 % 0.150 % =   1.726 %
MC Debit Charity Regulated 8 % 22¢ + 0.050 % 2.85¢ + 0.1145 % 0.150 % =   0.331 %
MC Credit Charity 25 % 10¢ + 2.000 % 2.85¢ + 0.1145 % 0.150 % =   2.273 %
Average Transaction Rate 1.79%  +  8¢
Get started today by selecting one of our payment platforms above.
Helcim

Get started, sign up online!

Visa MasterCard Interac Amex

Ask us any question!


Call us toll-free

1-877-643-5246

Email us anytime

info@helcim.com

FaceBook Google+ Twitter

Helcim is Trusted by Thousands of American Businesses

US Businesses Trust Helcim

» Learn why merchants choose to process payments with Helcim

CONTACT US

Toll-Free: 1-877-643-5246

Fax: 1-866-469-3077

Email: info@helcim.com


SEATTLE OFFICE

Suite 4200 - 701 5th Avenue
Seattle, Washington 98104

CALGARY OFFICE

Suite 140 - 5720 4th Street SE
Calgary, Alberta T2H 1K7

United States

© Copyright 2006-2017 Helcim Inc. All Rights Reserved.
The Helcim name and logo are trademarks of Helcim Inc. The Visa and MasterCard logos are trademarks of Visa International and MasterCard International Incorporated. Other tradenames may be trademarks of their respective owners. Helcim is a registered MSP/ISO of Elavon, Inc. Georgia [,a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN]. New applicants are subject to conditions and approval of the application by Helcim and its partnering banks.