Mastercard Interchange Rates

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Mastercard Interchange Rates

The Mastercard Card-Network

MasterCard is one of the two most commonly held credit cards. Like Visa, MasterCard is one of the top credit card issuers in the US, Canada and around the world. It is widely used, recognized and trusted. While some business owners do not accept credit cards due to the cost, Payline offers interchange plus, or cost-plus, pricing.  Our transparent pricing options remove the complexity and confusion that comes with accepting credit cards.

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What Are Mastercard Interchange Rates?

Interchange refers to the fee collected by the customer’s credit card bank (the Mastercard card-issuer) on every transaction. These rates are set by Mastercard each year and apply to every processor in the payments industry. In simpler terms, interchange is the wholesale cost that the processor has to pay on every credit card transaction. Interchange rates are part of Payline’s interchange plus pricing plans. We simply pass on the wholesale cost from the card issuer and then add on a transparent, small fee.  The tables below provide a breakdown of the current Mastercard interchange rates.

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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 1.600 % + 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) 2.000 % + 10¢
Business Card (L2) 2.160 % + 10¢
Business Card (L3) 2.210 % + 10¢
Business Card (L4) 2.310 % + 10¢
Business Debit Card 2.200 % + 10¢
Level 3 Data
Corporate, Purchasing & Fleet 1.800 % + 10¢
Business Card (L1) 1.750 % + 10¢
Business Card (L2) 1.910 % + 10¢
Business Card (L3) 1.960 % + 10¢
Business Card (L4) 2.060 % + 10¢
Business Debit Card 1.800 % + 10¢
Large Ticket - Corporate, Purchasing & Fleet $7,254+ 1.250 % + $40
Large Ticket - Business Card (L1) $7,254+ 1.200 % + $40
Large Ticket - Business Card (L2) $7,254+ 1.360 % + $40
Large Ticket - Business Card (L3) $7,254+ 1.410 % + $40
Large Ticket - Business Card (L4) $7,254+ 1.510 % + $40

Assessments and Association Fees

Mastercard Assessment Fees
MC Card-Brand (Under $1,000) 0.1300 %
MC Card-Brand (Over $1,000) 0.1400 %
MC ALF (Acquirer License Fee) 0.0045 %
MC NABU (Network Brand Usage Fee) 1.95¢
MC Account Status Inquiry (on $0 auth) 2.500¢
MC CVC 2 Authorization Fee 0.250¢
MC AVS Authorization Fee 1.000¢
MC Intl Cross-Border Support 0.6000 %
MC International Cross-Border 0.8500 %
MC - Per Location Annual Fee $15/year
Authorization Integrity Fees**
Final Authorization Fee 0.0283%
Final Authorization Fee (minimum for above) 4.52¢
Pre-Authorization Penalty 5.085¢
Undefined Authorization Penalty 5.085¢
Line Item Penalty 1.36¢

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

Visa Interchange Rates >
Mastercard Interchange Rates >

**Merchants are impacted by these MasterCard Integrity Fees when authorizations are not cleared or reversed within 30 days of pre-authorizations or 7 days of final sale.

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