Payment Brand Changes

U.S. Edition

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Potential Financial Impacts

Process Changes

Please reference the list of Rate Codes.

Visa^® Interchange Updates

January 2023 – Visa Flexible Credential Prepaid Consumer Product

On January 20, 2023, Visa will introduce the new Visa Flexible Credential prepaid card, which supports buy now, pay later purchases in virtual and physical environments. These cards will be issued in the Asia Pacific, Central Europe, Middle East and Africa regions. If you process one of these cards, the existing interregional interchange rate will apply as shown in the table below.

Table – Interregional Rate for Visa Flexible Credential Purchases

Fee Name

Current Rate

(No Change)

Visa Interregional Premium Card

1.80%

Published December 12, 2022

October 2022 – New Flexible Rate B2B Virtual Program Products

On October 14, 2022, Visa will introduce a new B2B Virtual Program with flexible interchange rates as shown in Table 1. Any merchant with a bilateral agreement with their card issuing bank can qualify for these new rates; otherwise, existing interregional interchange rates will apply.

This will include credit, deferred debit, and prepaid options with transaction amounts outlined in Table 2.

Table 1 – Visa B2B Virtual Program Flexible Rates

Fee Name	Rate
Visa Flexible Rate B2B Virtual Payments-Program 1	0.80%
Visa Flexible Rate B2B Virtual Payments-Program 2	1.00%
Visa Flexible Rate B2B Virtual Payments-Program 3	1.20%
Visa Flexible Rate B2B Virtual Payments-Program 4	1.40%
Visa Flexible Rate B2B Virtual Payments-Program 5	1.60%
Visa Flexible Rate B2B Virtual Payments-Program 6	1.80%
Visa Flexible Rate B2B Virtual Payments-Program 7	2.00%
Visa Flexible Rate B2B Virtual Payments-Program 8	0.90%
Visa Flexible Rate B2B Virtual Payments-Program 9	1.10%
Visa Flexible Rate B2B Virtual Payments-Program 10	1.30%
Visa Flexible Rate B2B Virtual Payments-Program 11	1.50%
Visa Flexible Rate B2B Virtual Payments-Program 12	1.70%
Visa Flexible Rate B2B Virtual Payments-Program 13	1.90%

Table 2 – Visa B2B Virtual Program Flexible Rate Transaction Amount

Transaction Type	Transaction Amount
Credit or Deferred Debit	Below $750,000.00
Prepaid (purchase or credit voucher)	Below $500,000.00

Published September 27, 2022

April 2022 – New Interchange Programs and Rates for Small Merchants

On April 22, 2022, Visa will introduce new small merchant interchange fee programs and lower preferential rates for transactions from eligible small merchants:

New Product 1 and Product 2 fee programs to incentivize consumer credit purchase and account funding transactions. See Tables 1 and 2.
Lower preferential rates (existing tokenized transaction interchange rates) for consumer credit card-not-present (CNP) transactions that qualify for specific merchant segment fee programs. See Tables 3 to 9.

Visa determines eligible merchants based on total consumer credit U.S. domestic transaction volume of $250,000 or less.

Table 1 – New Visa Small Merchant Product 1 Program Fees for card-not-present (CNP) transactions

Fee Name	Rates
Visa CPS Small Merchant Product 1 Traditional CNP	1.58% + $0.10
Visa CPS Small Merchant Product 1 Traditional Rewards CNP	1.73% + $0.10
Visa CPS Small Merchant Product 1 Signature/Infinite SNQ¹ CNP	1.73% + $0.10
Visa CPS Small Merchant Product 1 SigPref³ / Infinite SQ²CNP	2.18% + $0.10

Table 2 – New Visa Small Merchant Product 2 Fee Programs for card-present (CP) transactions

Fee Name	Rates
Visa CPS Small Merchant Product 2 Traditional CP	1.29% + $0.10
Visa CPS Small Merchant Product 2 Traditional Rewards CP	1.43% + $0.10
Visa CPS Small Merchant Product 2 Signature/Infinite SNQ¹ CP	1.43% + $0.10
Visa CPS Small Merchant Product 2 SigPref³/ Infinite SQ² CP	1.88% + $0.10

¹Spend not-qualified (SNQ)

²Spend-qualified (SQ)

³Signature Preferred (SigPref)

Table 3 – Visa Restaurant Interchange Fee Programs

Rate Name	Rate
Visa CPS CP Restaurant Traditional / Rewards	2.10%
Visa CPS CP Restaurant Traditional / Rewards MIN	$0.04
Visa CPS CP Restaurant Signature / Preferred / Infinite	2.60%
Visa CPS CP Restaurant Signature / Preferred / Infinite MIN	$0.04

Table 4 – Visa Taxi Interchange Fee Programs

Rate Name	Rate
Visa CPS CP Taxi Traditional / Rewards	2.10%
Visa CPS CP Taxi Traditional / Rewards MIN	$0.04
Visa CPS CP Taxi Signature / Preferred / Infinite	2.60%
Visa CPS CP Taxi Signature / Preferred / Infinite MIN	$0.04

Table 5 – Visa Real Estate Interchange Fee Programs

Rate Name	Rate
Visa CPS Real Estate Traditional	1.43% + $0.05
Visa CPS Real Estate Traditional Rewards	1.43% + $0.05
Visa CPS Real Estate Taxi Signature / Infinite SNQ	1.43% + $0.05
Visa CPS Real Estate Signature Pref / Infinite SQ	2.15% + $0.10

Table 6 – Visa Education Interchange Fee Programs

Rate Name	Rate
Visa CPS Education Traditional	1.43% + $0.05
Visa CPS Education Traditional Rewards	1.43% + $0.05
Visa CPS Education Taxi Signature / Infinite SNQ	1.43% + $0.05
Visa CPS Education Signature Pref / Infinite SQ	2.15% + $0.10

Table 7 – Visa Healthcare Interchange Fee Programs

Rate Name	Rate
Visa CPS Healthcare Traditional	1.43% + $0.05
Visa CPS Healthcare Traditional Rewards	1.43% + $0.05
Visa CPS Healthcare Signature / Infinite SNQ	1.43% + $0.05
Visa CPS Healthcare Signature Pref / Infinite SQ	2.30% + $0.10

Table 8 – Visa Advertising Fee Programs

Rate Name	Rate
Visa CPS Advertising Traditional	1.55% + $0.10
Visa CPS Advertising Traditional Rewards	1.70% + $0.10
Visa CPS Advertising Signature / Infinite SNQ	1.75% + $0.10
Visa CPS Advertising Signature Pref / Infinite SQ	2.30% + $0.10

Table 9 – Visa Updated Telecommunications and Cable Fee Programs

Rate Name	Rate
Visa CPS Recurring Bill Payment	1.43% + $0.05
Visa CPS Tele/Cable Signature Pref / Infinite SQ	2.20% + $0.05

April 2022 – Updated Interchange Fee for Specific Merchant Segments

Update: Edited 2nd entry on Table 1 from V483 - Visa CPS CP Restaurant Traditional / Rewards MIN to V48S - Visa CPS CP Restaurant Traditional / Rewards MIN.

On April 22, 2022, Visa will start charging a higher interchange rate for non-tokenized card-not-present transactions as shown in the tables below.

Table 1 – Updated Visa Restaurant 2 Interchange for Tokenized Card-Not-Present Transactions

Interchange Name	New Rate
V481 - Visa CPS CP Restaurant Traditional / Rewards	2.10%
V48S - Visa CPS CP Restaurant Traditional / Rewards MIN	$0.04
V483 - Visa CPS CP Restaurant Signature / Preferred / Infinite	2.60%
V48T - Visa CPS CP Restaurant Signature / Preferred / Infinite MIN	$0.04

Table 2 – Updated Visa Taxi 2 Interchange for Tokenized Card-Not-Present Transactions

Interchange Name	New Rate
V485 - Visa CPS CP Taxi Traditional / Rewards	2.10%
V48W - Visa CPS CP Taxi Traditional / Rewards MIN	$0.04
V487 - Visa CPS CP Taxi Signature / Preferred / Infinite	2.60%
V48X - Visa CPS CP Taxi Signature / Preferred / Infinite MIN	$0.04

Table 3 – Comparison of Updated Visa Real Estate Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
V465 - Visa CPS Real Estate Traditional	1.43% + $0.05	1.53% + $0.05	V617 - Visa CPS Real Estate Traditional Non-Token CNP
V466 - Visa CPS Real Estate Traditional Rewards	1.43% + $0.05	1.53% + $0.05	V618 - Visa CPS Real Estate Traditional Rewards Non-Token CNP
V467 - Visa CPS Real Estate Signature / Infinite SNQ	1.43% + $0.05	1.53% + $0.05	V619 - Visa CPS Real Estate Signature / Infinite SNQ Non-Token CNP
V468 - Visa CPS Real Estate Signature Pref / Infinite SQ	2.15% + $0.10	2.25% + $0.10	V620 - Visa CPS Real Estate Signature Pref / Infinite SQ Non-Token CNP

Table 4 – Comparison of Updated Visa Education Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
V469 - Visa CPS Education Traditional	1.43% + $0.05	1.53% + $0.05	V621 - Visa CPS Education Traditional Non-Token CNP
V470 - Visa CPS Education Traditional Rewards	1.43% + $0.05	1.53% + $0.05	V622 - Visa CPS Education Traditional Rewards Non-Token CNP
V471 - Visa CPS Education Signature / Infinite SNQ	1.43% + $0.05	1.53% + $0.05	V623 - Visa CPS Education Signature / Infinite SNQ Non-Token CNP
V472 - Visa CPS Education Signature Pref / Infinite SQ	2.15% + $0.10	2.25% + $0.10	V624 - Visa CPS Education Signature Pref / Infinite SQ Non-Token CNP

Table 5 – Comparison of Updated Visa Healthcare Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
V461 - Visa CPS Healthcare Traditional	1.43% + $0.05	1.53% + $0.05	V613 - Visa CPS Healthcare Traditional Non-Token CNP
V462 - Visa CPS Healthcare Traditional Rewards	1.43% + $0.05	1.53% + $0.05	V614 - Visa CPS Healthcare Traditional Rewards Non-Token CNP
V463 - Visa CPS Healthcare Signature / Infinite SNQ	1.43% + $0.05	1.53% + $0.05	V615 - Visa CPS Healthcare Signature / Infinite SNQ Non-Token CNP
V464 - Visa CPS Healthcare Signature Pref / Infinite SQ	2.30% + $0.10	2.40% + $0.10	V616 - Visa CPS Healthcare Signature Pref / Infinite SQ Non-Token CNP

Table 6 – Comparison of Updated Visa Advertising Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
V453 - Visa CPS Advertising Traditional	1.55% + $0.10	1.65% + $0.10	V605 - Visa CPS Advertising Traditional Non-Token CNP
V454 - Visa CPS Advertising Traditional Rewards	1.70% + $0.10	1.80% + $0.10	V606 - Visa CPS Advertising Traditional Rewards Non-Token CNP
V455 - Visa CPS Advertising Signature / Infinite SNQ	1.75% + $0.10	1.85% + $0.10	V607 - Visa CPS Advertising Signature / Infinite SNQ Non-Token CNP
V456 - Visa CPS Advertising Signature Pref / Infinite SQ	2.30% + $0.10	2.40% + $0.10	V608 - Visa CPS Advertising Signature Pref / Infinite SQ Non-Token CNP

Table 7 – Comparison of Updated Visa Insurance Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
V457 - Visa CPS Insurance Traditional	1.43% + $0.05	1.53% + $0.05	V609 - Visa CPS Insurance Traditional Non-Token CNP
V458 - Visa CPS Insurance Traditional Rewards	1.43% + $0.05	1.53% + $0.05	V610 - Visa CPS Insurance Traditional Rewards Non-Token CNP
V459 - Visa CPS Insurance Signature / Infinite SNQ	1.43% + $0.05	1.53% + $0.05	V611 - Visa CPS Insurance Signature / Infinite SNQ Non-Token CNP
V460 - Visa CPS Insurance Signature Pref / Infinite SQ	2.25% + $0.10	2.35% + $0.10	V612 - Visa CPS Insurance Signature Pref / Infinite SQ Non-Token CNP

Table 8 – Comparison of Updated Visa Services Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
V473 - Visa CPS Services Traditional	1.55% + $0.10	1.65% + $0.10	V625 - Visa CPS Services Traditional Non-Token CNP
V474 - Visa CPS Services Traditional Rewards	1.70% + $0.10	1.80% + $0.10	V626 - Visa CPS Services Traditional Rewards Non-Token CNP
V475 - Visa CPS Services Signature / Infinite SNQ	1.85% + $0.10	1.95% + $0.10	V627 - Visa CPS Services Signature / Infinite SNQ Non-Token CNP
V476 - Visa CPS Services Signature Pref / Infinite SQ	2.30% + $0.10	2.40% + $0.10	V628 - Visa CPS Services Signature Pref / Infinite SQ Non-Token CNP

Table 9 – Comparison of Updated Visa Telecommunications and Cable Interchange for Card-Not-Present Transactions

Tokenized		Non-Tokenized
Interchange Name	New Rate	New Rate	Interchange Name
VRBP - Visa CPS Recurring Bill Payment	1.43% + $0.05	1.53% + $0.05	V629 - Visa CPS Tele/Cable Non-Token CNP
V491 - Visa CPS Tele/Cable Signature Pref / Infinite SQ	2.20% + $0.05	2.30% + $0.05	V630 - Visa CPS Tele/Cable Signature Pref / Infinite SQ Non-Token CNP

April 2022 – Interchange Rate Updates for Consumer Credit Fee Programs

Starting April 22, 2022, Visa will update the following interchange fee programs:

Start charging a higher Product 1 interchange fee program to non-tokenized Visa consumer credit transactions that meet card-not-present Customer Payment Service (CPS) qualifications.
Apply the existing Product 1 interchange fee program to tokenized Visa consumer credit transactions that meet card-not-present CPS qualifications.
Begin charging higher interchange rates for non-qualified consumer credit fee programs.

Table 1 – Visa Updated Product 1 Fee Program for Card-Not-Present Transactions

Fee Name	Tokenized Rate	Non-Tokenized Rate
Visa CPS Product 1 Traditional CNP	1.80% + $0.10	1.89% + $0.10
Visa CPS Product 1 Traditional Rewards CNP	1.95% + $0.10	2.04% + $0.10
Visa CPS Product 1 Signature / Infinite SNQ CNP	1.95% + $0.10	2.05% + $0.10
Visa CPS Product 1 Signature Pref / Infinite SQ CNP	2.40% + $0.10	2.50% + $0.10

Table 2 – Visa Non-Qualified Consumer Credit Fee Program Interchange Rates

Interchange Name	Current Rate	New Rate
Visa Non-Qualified Consumer Credit	2.70% + $0.10 (Maximum $1.10 for MCC 5541 and 5542)	3.15% + $0.10 (Maximum $1.10 for MCC 5541 and 5542)

April 2022 – Retail Key Entry Interchange Program Update

Starting April 22, 2022, Visa will change the Custom Payment Service (CPS) processing rules wherein transactions with cardholder credentials stored on file will no longer qualify for Retail Key Entry Interchange Program. Instead, these transactions will qualify for other eligible interchange programs based on the transaction criteria.

Visa^® Fee Changes

April 2023 – Updated Consumer Credit Interchange Rate Names for Visa Signature and Visa Infinite Products

On April 14, 2023, the Visa Signature and Visa Infinite fee names will be updated as follows. Rates remain the same.

Table 1 – Visa Supermarket Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Supermarket Retail SigPreferred	2.00% + $0.07
Visa CPS Sm Ticket Supermarket Retail SigPref	2.00% + $0.07
Visa CPS Supermarket Retail Infinite Spend Qual	2.00% + $0.07
Visa CPS Sm Ticket Supermarket Retail Inf SpendQual	2.00% + $0.07

Table 2 – Visa Small Ticket Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Small Ticket Signature Preferred MIN	$0.04
Visa CPS Small Ticket Signature Preferred	2.20%
Visa CPS Small Ticket Infinite SQ MIN	$0.04
Visa CPS Small Ticket Infinite SQ	2.20%

Table 3 – Visa Telecommunications & Cable Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Tele/Cable Signature Pref	2.20% + $0.05
Visa CPS Tele/Cable Infinite SQ	2.20% + $0.05
Visa CPS Tele/Cable Signature Pref Non-Token CNP	2.30% + $0.05
Visa CPS Tele/Cable Infinite SQ Non-Token CNP	2.30% + $0.05

Table 4 – Visa Insurance Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Insurance Signature Pref	2.25% + $0.10
Visa CPS Insurance Infinite SQ	2.25% + $0.10
Visa CPS Insurance Signature Pref Non-Token CNP	2.35% + $0.10
Visa CPS Insurance Infinite SQ Non-Token CNP	2.35% + $0.10

Table 5 – Visa Services Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Services Signature Pref	2.30% + $0.10
Visa CPS Services Infinite SQ	2.30% + $0.10
Visa CPS Services Signature Pref Non-Token CNP	2.40% + $0.10
Visa CPS Services Infinite SQ Non-Token CNP	2.40% + $0.10

Table 6 – Visa Education Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Education Signature Pref	2.15% + $0.10
Visa CPS Education Infinite SQ	2.15% + $0.10
Visa CPS Education Signature Pref Non-Token CNP	2.25% + $0.10
Visa CPS Education Infinite SQ Non-Token CNP	2.25% + $0.10

Table 7 – Healthcare Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Healthcare Signature Pref	2.30% + $0.10
Visa CPS Healthcare Infinite SQ	2.30% + $0.10
Visa CPS Healthcare Signature Pre Non-Token CNP	2.40% + $0.10
Visa CPS Healthcare Infinite SQ Non-Token CNP	2.40% + $0.10

Table 8 – Visa Real Estate Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Real Estate Signature Pref	2.15% + $0.10
Visa CPS Real Estate Infinite SQ	2.15% + $0.10
Visa CPS Real Estate SigPref Non-Token CNP	2.25% + $0.10
Visa CPS Real Estate Infinite SQ Non-Token CNP	2.25% + $0.10

Table 9 – Visa Advertising Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Advertising Signature Pref	2.30% + $0.10
Visa CPS Advertising Infinite SQ	2.30% + $0.10
Visa CPS Advertising Sig Pref Non-Token CNP	2.40% + $0.10
Visa CPS Advertising Infinite SQ Non-Token CNP	2.40% + $0.10

Table 10 – Visa Travel Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Travel Signature Pref	2.40% + $0.10
Visa CPS Travel Infinite SQ	2.40% + $0.10

Table 11 – Visa Taxi Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS CNP Taxi Infinite SQ MIN	$0.08
Visa CPS CNP Taxi Infinite SQ	2.70%
Visa CPS CP Taxi Infinite SQ MIN	$0.04
Visa CPS CP Taxi Infinite SQ	2.60%

Table 12 – Visa Restaurant Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS CNP Restaurant Infinite SQ MIN	$0.08
Visa CPS CNP Restaurant Infinite SQ	2.70%
Visa CPS CP Restaurant Infinite SQ MIN	$0.04
Visa CPS CP Restaurant Infinite SQ	2.60%

Table 13 – Visa Product Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Product 1 Signature Pref CNP	2.50% + $0.10
Visa CPS Product 1 Infinite SQ CNP	2.50% + $0.10
Visa CPS Product 1 Signature Pref Token CNP	2.40% + $0.10
Visa CPS Product 1 Infinite SQ Token CNP	2.40% + $0.10
Visa CPS Product 2 SignaturePreferred CP	2.10% + $0.10
Visa CPS Product 2 Infinite SQ CP	2.10% + $0.10

Table 14 – Visa Small Merchant Product Updated Interchange Rate Names

New Fee Name	Existing Rate
Visa CPS Small Merchant Product 1 SigPref CNP	2.18% + $0.10
Visa CPS Small Merchant Product 1 Infinite SQ CNP	2.18% + $0.10
Visa CPS Small Merchant Product 2 SignPref CP	1.88% + $0.10
Visa CPS Small Merchant Product 2 Infinite SQ CP	1.88% + $0.10

Published February 15, 2023

April 2023 – MSD Contactless Fee

On April 1, 2023, Visa will implement a $0.10 Magnetic-Stripe Data (MSD) Contactless Fee for each POS Entry Mode 91 for both sales and refund transactions.

Published February 15, 2023

April 2023 – Flexible Credential Launches in the United Kingdom

On April 15, 2023, Visa will launch their Flexible Credential credit card in the United Kingdom. This card supports buy now, pay later (BNPL) transactions in card-present and card-not-present environments. The existing Visa Interregional Premium Card Fee of 1.80% will apply when this card is processed.

Published February 15, 2023

April 2023 – New CVV2 Fee

On April 1, 2023, Visa will introduce a $0.0025 CVV2 fee for every CVV2 result that receives a M (Match) or N (No Match). The CVV2 fee will not apply to:

• Zero amount account verification messages,

• Successful 3DS verifications,

• Verification results not received by the bank due to an error, and

• Returned values that are not M or N

Published February 15, 2023

April 2023 – New Fee for Estimated and Incremental Authorizations

Starting 17 April 2023, Visa will charge a .02% fee for every Estimated Authorization and Incremental Authorization request (see below)

• Estimated Authorization Request: allows you to obtain an approval before a cardholder has identified what goods or services will be purchased

• Incremental Authorization Request: allows you to increase the total authorized funds if the initial estimated amount is insufficient

Published January 13, 2023

April 2023 – Updates to GSA Corporate T&E Healthcare-Related Credit Card Transactions

Effective April 14, 2023, Visa will no longer consider the merchant category codes (MCCs) in Table 1 eligible for the Visa U.S. General Services Administration (GSA) Corporate T&E Level 2 and Level 3 interchange fee programs in Table 2. Instead, these MCCs will qualify for the appropriate card-present and card-not-present interchange fee programs shown in Table 3.

Table 1 – MCCs Ineligible for GSA Corporate Credit Level 2 and Level 3 Fee Programs¹

MCC	Merchant Category Description
8011	Doctors and Physicians (not elsewhere classified)
8021	Dentists and Orthodontists
8031	Osteopaths
8041	Chiropractors
8042	Optometrists and Ophthalmologists
8043	Opticians, Optical Goods, and Eyeglasses
8049	Podiatrists and Chiropodists
8050	Nursing, Home Healthcare and Personal Care Facilities
8062	Hospitals
8071	Medical and Dental Laboratories

Table 2 – Current Applicable Fee programs

Fee Name	Rate
Visa Corporate Non-T&E Level 3	1.90% + $0.10
Visa Commercial Card - Level 2	2.50% + $0.10

Table 3 – New Applicable Fee Programs

Fee Name	Rate
Visa Corporate Card - Card Not Present	2.70% + $0.10
Visa Corporate Card - Card Present	2.50% + $0.10

1. In addition to non-travel service MCCs.

Published January 13, 2023

January 2023 – Updates to the Visa Interregional Acquiring Fee

Starting January 20, 2023, we are updating the service codes for the Visa interregional acquiring fee as shown in the table below. Rates remain the same.

Table – Visa Interregional Acquiring Fee

Fee Description	Current Service Code	New Service Code	Current Rate
VI Interregional IAF fee ST	BK143	BK243	0.45%
VI Interregional IAF fee HR	BK146	BK246	0.90%

Published January 13, 2023

October 2022 – B2B Virtual Payments Program Updates

Update: Merchant category code 7996 (amusement parks, circuses, carnivals, and fortune tellers) will be eligible for B2B virtual payments transactions starting January 20, 2023.

On October 14, 2022, Visa will expand the list of qualifying merchant category codes (MCC) to fully support the B2B travel segment as shown in Table 1. It will also apply new program interchange rates as shown in Table 2.

Table 1 – New Eligible MCCs Qualifying for Visa B2B Virtual Payments Transactions

MCC	Merchant Category Description
4111	Local and suburban commuter passenger transportation, including ferries
4121	Taxicabs and limousines
4789	Transportation services (not elsewhere classified)
5812	Eating places and restaurants
5813	Drinking places (alcoholic beverages) – bars, taverns, nightclubs, cocktail lounges, and discotheques
5814	Fast food restaurants
5992	Florists
7832	Motion picture theaters
7922	Ticket agencies and theatrical producers (except motion pictures)
7992	Public golf courses
7996	Amusement parks, circuses, carnivals, and fortune tellers (effective January 20, 2023)
9399	Government services (not elsewhere classified)

Table 2 – New Visa B2B Virtual Payments Interchange Rates

Interchange Rate Name	Rate
Visa Global B2B Virtual Payments-Program 8	0.90%
Visa Global B2B Virtual Payments-Program 9	1.10%
Visa Global B2B Virtual Payments-Program 10	1.30%
Visa Global B2B Virtual Payments-Program 11	1.50%
Visa Global B2B Virtual Payments-Program 12	1.70%
Visa Global B2B Virtual Payments-Program 13	1.90%

Updated January 13, 2023

Published September 27, 2022

October 2022 – New Non-Domestic Currency Settlement Fee

Update: Fee name was updated from “VI Non-Dom CCY Stlmnt Fee” to “Visa Non-Dom Currency Settlement Volume Fee”

On October 14, 2022, Visa will introduce a non-domestic currency settlement fee for cross-border transactions that are settled in a currency that is different than the merchant’s local currency. Cross-border transactions refer to scenarios when the merchant country is different from the country where the card was issued.

Table 1 – Visa Non-Domestic Currency Settlement Fee

Fee Name	Rate
Visa Non-Dom Currency Settlement Volume Fee	0.10%

Table 2 – Cross-border Fee Scenarios

Jurisdiction	Merchant Country	Card-Issuing Country	Settlement Currency	Fee Applied
Cross-border	United States	Anywhere outside the United States	Any currency that is not the USD	Yes
Domestic	United States	United States	USD	No

Updated September 27, 2022

Published July 27, 2022

May 2022 – Updated Transaction and Authorization Limits and Fraud Liability for AFD Transactions

On May 21, 2022, Visa is updating the following for automated fuel dispenser (AFD) transactions with a merchant category code (MCC) of 5542:

- Increasing the maximum transaction amount limit for transactions qualifying for custom payment service (CPS) across all Visa credit, debit, and prepaid products. This change will ensure the best available interchange rates are received for larger fuel transactions that results to fewer pumps shutting off while cardholders are refueling.

- Increasing the authorization limit for AFD $1 status checks at EMV-enabled terminals for non-Fleet card transactions, regardless of the country where the card was issued or how the card was read. Other authorization limits remain the same, such as $100 for non-Fleet cards at non-EMV enabled AFDs, $150 for magnetic stripe-read Fleet cards, and $350 for chip-read Fleet cards.

Table – Visa AFD Limit Updates

AFD Amount Limit	Effective Date	Current Amount Limit	New Amount Limit
Transaction Amount Limit for CPS	May 21, 2022	$125	$500
Authorization Limit for $1 status check for EMV-enabled terminals for non-Fleet transactions	May 22, 2022	$125	$175

Additionally, liability for lost or stolen fraud for all online-authorized transactions at U.S. enabled AFDs will transfer to the card issuer effective May 22, 2022. This transfer of liability aligns fraud protections for AFD transactions with the current Visa rules for all attended card-present transactions.

Updated November 3, 2022
Published April 14, 2022

April 2022 – Changes to the Visa Utility Fee Program

On April 22, 2022, Visa will lower interchange rate programs for Recurring Bill Payment Utility transactions from non-regulated Visa Consumer and Visa Business debit and prepaid products. Existing fee programs and rates will continue to apply to non-recurring volume as outlined in the table below.

Table 1 – Visa Recurring Bill Payment Utility Fee Programs

Fee Name	Recurring Fee (New)
VISA Utility Recurring Bill Payment Debit/Prepaid	$0.45
VISA Business Utility Recurring Bill Payment Debit/Prepaid	$0.75

Table 2 - Visa Non-Recurring Bill Payment Utility Fee Programs

Fee Name	Non-Recurring Fee (Existing)
VISA Utility Debit	$0.65
Visa Utility Business Debit and Prepaid	$1.50

April 2022 – Address Verification Service Fee

On April 1, 2022, Visa will introduce a per-transaction fee for the Address Verification Service (AVS) as shown below. This fee will be assessed on every card-not-present transaction where an address verification is performed and results in a usable result match, including full match, partial match (street address or zip/post-code), or no match. This fee will not be assessed on Account Verifications, Account Funding Transactions (AFT), Original Credit Transactions (OCT), or whenever the address is not verified.

Table – Address Verification Fee

Fee Name	New Fee
Visa Address Verification Service Fee	$0.001 per usable AVS result received

Visa System Integrity Fees

Update: Visa has temporarily removed Category 1 Decline Code 57 from the Never Approve Reattempts Fee (Table 3). Instead, it is now being billed under Excess Reattempts Fee (Table 1).

To know more about Category 1 Decline Code 57, please refer to Table 1 of the Visa System Integrity Program article.

April 2021 – Excess Reattempts in the U.S.

After an authorization is declined with Category 1*, Category 2, Category 3, or Category 4 response codes, 15 reattempted authorizations are allowed within a rolling 30-day period. Excessive re-authorization is defined as attempt number 16 and over, after an initial decline. Fees will be assessed for each reattempted excessive authorization.

Table 1 – Excessive Reattempt Fees

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Excessive Auth	Domestic	April 2021	June 2021	$0.10 USD
VI IntlSIF-Excessive Auth	Cross-Border	April 2021	June 2021	$0.15 USD

*Category 1 is included until the Never Approve Reattempts Fees become effective in April 2022

October 2021 – Data Consistency in the U.S.

Data Consistency Fees will be assessed for any declined (and subsequently approved or declined) authorizations where data elements have been changed from the initial authorization decline in an effort to receive an approved authorization response.

Table 2 – Data Consistency Fees

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Data Consistency	Domestic	October 2021	December 2021	$0.10 USD
VI IntlSIF-DataConsistency	Cross-Border	October 2021	December 2021	$0.15 USD

April 2022 – Never Approve Reattempts System in U.S.

Never Approve Reattempts Fees will be assessed for any attempt to authorize a transaction that previously (within a rolling 30 days) received a Category 1 decline response.

Table 3 – Category 1 – Never Approve Reattempt Fees

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Never Approve	Domestic	April 2022	June 2022	$0.10 USD
VI IntlSIF-Never Approve	Cross-Border	April 2022	June 2022	$0.15 USD

Visa System Integrity Program

Update: Visa has moved Decline Code 57 from Category 1 (Table 1) to Category 2 (Table 2) until further notice.

Visa is grouping several fees together, collectively known as System Integrity Fees (formerly known as Ecosystem Risk Performance Program Fees). Please note these fees have previously been communicated and we want you to be aware of the System Integrity grouping that includes the rules and fees noted in the tables below.

Enhanced Decline Code Management

Many of the System Integrity Fees are based on Enhanced Decline Code Management, which groups existing decline codes into four categories. You can receive both the Visa decline code, and the corresponding category (noted in tables 1 through 4 below), alongside the existing Authorization response code that you get today. Please reference our Developer Center for more information.

The categorization of decline codes will help inform merchants:

If they should re-attempt an authorization following an initial decline
If they will incur a fee should authorization re-attempts exceed the thresholds

The four Enhanced Decline Categories are as follows:

Category 1: Issuer Will Never Approve

Decline Codes in Category 1 indicate the card is blocked for use or never existed and means there is no circumstance in which an approval will be granted.

Table 1 – Visa Decline Codes – Category 1

Decline Code	Reason		Decline Code	Reason
04	Pick up card (no fraud)		15	No such issuer (first 8 digits of account number do not relate to an issuing identifier)
07	Pick up card, special condition (fraud account)		41	Lost card, pick up card (fraud account)
12	Invalid transaction		43	Stolen card, pick up (fraud account)
14¹	Invalid account number (no such number)		57	Transaction not permitted to cardholder
		No modulus 10 check	46	Closed Account
		Not a valid length for issuer	R0²	Stop Payment Order
		Not in positive PIN Verification file	R1²	Revocation of Authorization Order
		Separator in wrong position	R3²	Revocation of All Authorizations Order

Category 2: Issuer Cannot Approve at This Time

Decline codes in Category 2 are temporary decline decisions that may change over time, indicating the authorization may approve, but cannot approve now.

Table 2 – Visa Decline Codes – Category 2

Decline Code	Reason	Decline Code	Reason
03	Invalid merchant	75	Allowable number of PIN-entry tries exceeded
19	Re-enter transaction	78	“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
51	Not sufficient funds	86	Cannot verify PIN; for instance, no PVV
59	Suspected fraud	91	Issuer unavailable or switch inoperative
			Time-out when no STIP
			Issuer unavailable for credit voucher and merchandise return authorizations
			Issuers use code to indicate they cannot perform authorization on issuer’s behalf
61	Exceeds approval amount limit	93	Transaction cannot be completed violation of law.
62	Restricted card (card invalid in region or country)	96	System malfunction
65	Exceeds withdrawal frequency limit	N3	Cash Service not available
65	Exceeds withdrawal frequency limit	N4	Cash request exceeds issuer or approved limit

Category 3: Authorization Cannot Approve with These Details (Data Quality)

Decline codes in this category indicate the authorization cannot approve based on the details provided, such as an incorrect Card Verification Value 2 (CVV2) or expiration date.

Table 3 – Visa Decline Codes – Category 3

Decline Code	Reason		Decline Code	Reason
14¹	Invalid account number (no such number)		82	Negative Online CAM, dCVV, iCVV, or CVV results or Offline PIN authentication interrupted
		No modulus 10 check
		Not a valid length for issuer
		Not in positive PIN Verification file
		Separator in wrong position
54	Expired card or expiration date missing		N7	Decline for CVV2 failure
55	PIN incorrect or missing		N7	Decline for CVV2 failure

Category 4: Generic Response Codes

This category includes all other decline response codes, many are technical or provide little to no value to merchants as part of their reattempt strategy. It contains all other Response Codes not listed in categories 1, 2 and 3 above.

Table 4 – Visa Decline Codes – Category 4

Decline Code	Reason	Decline Code	Reason
01	Refer to card issuer	76	Unsolicited reversal—reversal with no original transaction in history. V.I.P. unable to match reversal request to an original message
02	Refer to card issuer, special condition	79	Reversed (by switch)
05	Do not honor	80	No financial impact (used in reversal responses to declined originals)
06	Error	81	Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)
13	Either: Invalid amount or Currency conversion field overflow	92	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID invalid)
21	No action taken	94	Duplicate Transaction: A transaction was submitted that contains values in the tracing data fields that duplicate the values in a previously submitted transaction.
25	Unable to locate record in file	B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
28	File is temporarily unavailable for update or inquiry	N0	Force STIP. Issuers can respond with this, which routes transaction to STIP. Issuers use code when they cannot perform authorization but want STIP to perform it.
39	No credit account	N8	Transaction amount exceeds pre-authorized approval amount
52	No checking account	P5	Denied PIN unblock—PIN change or unblock request declined by issuer
53	No savings account	P6	Denied PIN change—requested PIN unsafe
58	Transaction not allowed at terminal	Q1	Card authentication failed or Offline PIN authentication interrupted
63	Security violation (source not correct issuer)	R2	Transaction does not qualify for Visa PIN
64	Transaction does not fulfill AML requirement	Z3	Unable to go online; offline-declined
74	Different value than that used for PIN encryption errors	6P	Verification Data Failed

¹ Reattempts with the same account number following a decline for Response Code 14 are subject to Never Approve Reattempts fees (Category 1) and are also included in transaction counts for Data Quality fees (Category 3)

² Reattempts following a decline for Response Code R0, R1, or R3 are subject to the VSPS (formerly known as PPCS) fee schedule and will not be assessed Never Approve Reattempts fees (Category 1) despite being included in the Never Approve Reattempts Rule

October 2021 – Visa Stop Payment Service

Update: Visa has deferred Visa Stop Payment Service to November 2021 and the first billing will be in February 2022.

Visa is introducing the Visa Stop Payment Service (VSPS). VSPS replaces the Pre-Authorized Payment Cancellation Service (PPCS) and allows a cardholder to contact their issuer to stop future recurring payments from debiting their account. When a cardholder’s stop payment request is ignored, the merchant can expect a Repeat Authorization Decline Fee of US$1 on the fourth authorization attempt and US$1 for each subsequent authorization attempt.

Table 1 – Visa Stop Payment Service Fees

Fee Name	Event	Effective Date	First Billing	Fee Amount
Visa Stop Payment Service (VSPS)	Repeat Auth Attempts	November 2021	February 2022	$1.00 USD

July 2021 – Visa Processing Integrity: Zero Floor Limit & Misuse of Authorization Fees

Update: The first billing cycle for the fees stated below will be between June 25 to July 24, 2022 and included in merchant billing statements beginning August 4, 2022.

Beginning July 1, 2021, Visa will extend its U.S. processing integrity program and associated fees to include authorizations for returns and return transactions that are not compliant with Visa’s authorization, reversal, and clearing requirements. These fees will be included in merchant billing statements beginning August 2021.

Zero floor limit fee will be charged if a return transaction is submitted without an approved authorization.

Misuse of authorization fee will be charged if an approved authorization is not matched to a return transaction within 10 or 30¹ calendar days, or if the authorization was not reversed within 24 hours for card-present and 72 hours for card-not-present transactions.

Refer to the table below for the fees.

Fee Name	Fee
VI Zero Floor Limit Fee	$0.20
VI Misuse of Authorization Fee	$0.093

¹30 calendar days when an estimated authorization indicator is used and the merchant category code (MCC) is any of the following: 3351-3500, 7512, 7513 (car/truck/utility rental), 3501-3999, 7011 (lodging), 4411 (steamship, cruise line).

Mastercard^® Interchange Updates

Mastercard^® Installments Program

The Mastercard Installments Program went into effect in April 2022. This program allows issuer approved cardholders to purchase large ticket items and set up an installment payment schedule with the issuer. The merchant will receive payment for the entire transaction amount at the time of purchase, as they do with other Mastercard transactions.

Enrollment: Mastercard will automatically enroll merchants in the Mastercard Installments Program.

Rates and Fees: From April to July 17, 2022, Mastercard standard interchange categories and rates will apply to Mastercard Installments Program transactions (see Table 1).

Effective July 17, 2022, new Mastercard Installments Program interchange rates and Program fees will apply based on merchant category codes (see Table 2 and Table 3).

Opt-Out: Merchants can opt-out of the program by contacting Chase. Mastercard Installments Program transactions accepted by a merchant that has opted-out of the program will decline at the point of sale.

Merchant Advice Code: To identify declined Installments Program transactions for non-participating merchants, a Mastercard Merchant Advice Code (MAC) value of 22 has been added for the Program (see Table 4). MAC 22 will be provided with the decline response.

Table 1 – Mastercard Standard Interchange Categories and Rates* (Effective April to July 17, 2022)

Description	Merchant Category Codes	Rate
Mastercard Installments Groups A, B, C – Purchase	All Installment Payments groups	3.15% + $0.10
Mastercard Installments Groups A, B, C - Refunds	All Installment Payments groups	0.00%

* Apply to Mastercard Installments Program transactions

Table 2 – Mastercard Installments Program Interchange Rates (Effective July 17, 2022)

Description	Merchant Category Codes	Rate
Mastercard Installments Group A	0742, 0743, 0763, 0780, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 2741, 2791, 2842, 3000, 3001, 3005, 3006, 3007, 3008, 3009, 3010, 3011, 3012, 3013, 3014, 3015, 3016, 3018, 3020, 3022, 3024, 3025, 3026, 3030, 3032, 3034, 3035, 3039, 3040, 3042, 3043, 3047, 3048, 3050, 3051, 3052, 3058, 3066, 3069, 3075, 3076, 3077, 3078, 3079, 3082, 3084, 3088, 3098, 3099, 3102, 3103, 3125, 3127, 3129, 3132, 3136, 3144, 3161, 3174, 3175, 3180, 3182, 3183, 3191, 3196, 3206, 3211, 3219, 3234, 3252, 3256, 3260, 3261, 3294, 3297, 3351, 3355, 3357, 3359, 3366, 3370, 3374, 3386, 3387, 3388, 3389, 3390, 3393, 3395, 3398, 3400, 3405, 3409, 3412, 3427, 3435, 3501, 3502, 3503, 3504, 3508, 3509, 3510, 3511, 3512, 3513, 3515, 3516, 3517, 3519, 3520, 3521, 3523, 3526, 3527, 3528, 3530, 3532, 3533, 3535, 3537, 3539, 3542, 3543, 3550, 3551, 3552, 3553, 3554, 3555, 3558, 3559, 3561, 3562, 3564, 3565, 3569, 3572, 3573, 3575, 3576, 3577, 3581, 3583, 3588, 3589, 3590, 3591, 3592, 3595, 3596, 3597, 3604, 3607, 3608, 3609, 3613, 3614, 3615, 3617, 3618, 3619, 3621, 3626, 3627, 3628, 3629, 3631, 3632, 3634, 3637, 3638, 3640, 3641, 3644, 3647, 3649, 3650, 3652, 3654, 3660, 3662, 3665, 3667, 3670, 3676, 3679, 3684, 3685, 3687, 3690, 3692, 3693, 3694, 3695, 3697, 3699, 3700, 3703, 3704, 3705, 3706, 3707, 3708, 3709, 3710, 3714, 3715, 3717, 3721, 3722, 3725, 3726, 3727, 3728, 3730, 3731, 3734, 3735, 3738, 3740, 3741, 3742, 3743, 3745, 3749, 3750, 3751, 3755, 3757, 3762, 3763, 3764, 3765, 3766, 3769, 3770, 3771, 3772, 3773, 3774, 3775, 3777,3778, 3779, 3780, 3782, 3783, 3785, 3787, 3788, 3789, 3791, 3793, 3794, 3795, 3796, 3800, 3801, 3805, 3807, 3808, 3811, 3812, 3813, 3816, 3818, 3819, 3822, 3823, 3824, 3825, 3826, 3828, 3829, 3830, 3831, 3832, 3833, 3834, 3836, 4011, 4112, 4119, 4131, 4214, 4215, 4225, 4411, 4457, 4468, 4511, 4582, 4722, 4784, 4789, 4812, 4816, 4821, 5013, 5021, 5039, 5044, 5045, 5046, 5047, 5051, 5065, 5072, 5074, 5085, 5094, 5099, 5111, 5122, 5131, 5137, 5139, 5169, 5172, 5192, 5193, 5198, 5199, 5200, 5211, 5231, 5251, 5261, 5271, 5309, 5311, 5399, 5422, 5441, 5451, 5462, 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5712, 5713, 5714, 5718, 5719, 5722, 5732, 5733, 5734, 5735, 5811, 5812, 5815, 5816, 5817, 5818, 5921, 5931, 5932, 5933, 5935, 5937, 5940, 5941, 5942, 5943, 5944, 5945, 5946, 5947, 5948, 5949, 5950, 5962, 5963, 5964, 5965, 5966, 5967, 5968, 5969, 5970, 5971, 5972, 5973, 5975, 5976, 5977, 5978, 5983, 5992, 5993, 5994, 5995, 5996, 5997, 5998, 5999, 6211, 7011, 7012, 7032, 7033, 7210, 7211, 7216, 7217, 7221, 7230, 7251, 7261, 7273, 7276, 7277, 7278, 7296, 7297, 7298, 7299, 7311, 7321, 7333, 7338, 7339, 7342, 7349, 7361, 7372, 7375, 7379, 7392, 7393, 7394, 7395, 7399, 7512, 7513, 7519, 7531, 7534, 7535, 7538, 7542, 7549, 7622, 7623, 7629, 7631, 7641, 7692, 7699, 7832, 7911, 7922, 7929, 7932, 7933, 7941, 7991, 7992, 7993, 7996, 7997, 7998, 7999, 8011, 8021, 8031, 8041, 8042, 8043, 8049, 8050, 8062, 8071, 8099, 8111, 8211, 8220, 8241, 8244, 8249, 8299, 8351, 8398, 8641, 8651, 8661, 8675, 8699, 8734, 8911, 8931, 8999, 9405, 9950	1.85%
Mastercard Installments Group B	4111, 4121, 4814, 4899, 5300, 5310, 5331, 5411, 5499, 5541, 5542, 5552, 5813, 5814, 5912, 5960, 6300, 6513, 7523, 7800, 7801, 7802, 7829, 7841, 7994, 7995, 9211, 9222, 9223, 9311, 9399, 9402	1.60%
Mastercard Installments Group C	4900	0.50%

Table 3 – Mastercard Installments Program Fees (Effective July 17, 2022)

Installment Payment Groups	Purchase Rate	Refund Rate
Mastercard Installments Group A	1.30%	-1.15%
Mastercard Installments Group B	0.10%	0.00%
Mastercard Installments Group C	0.00%	0.00%

Table 4 – Mastercard Response Code Mapping (Effective July 17, 2022)

Decline Description	Mastercard Response Code	MAC Code	MAC Description	Recommended Action
Do not honor	05	22	Merchant does not qualify for product code	Obtain another type of payment from the cardholder.

Published June 15, 2022

April 2022 – Updated Consumer Interregional Interchange Rate Codes

Update: Please refer to the modified interchange name in the table below - "Rate 3 Card Present - Super Premium" changed to "Rate 3 Base - Super Premium".

On April 22, 2022, Mastercard is updating its interchange rate names as shown in the table below.

Table – Mastercard Consumer Interregional Interchange Rate

Interchange Name	Rate	Refund
MC Interregional Consumer Rate 1 Digital Commerce - Core	1.60%	1.00%
MC Interregional Consumer Rate 1 Digital Commerce - Premium	1.85%	1.00%
MC Interregional Consumer Rate 1 Digital Commerce - Super Premium	1.98%	1.00%
MC Interregional Consumer Rate 2 Card Present - Core	1.10%	1.00%
MC Interregional Consumer Rate 2 Card Present - Premium	1.85%	1.00%
MC Interregional Consumer Rate 2 Card Present - Super Premium	1.98%	1.00%
MC Interregional Consumer Rate 3 Base - Core	1.60%	1.00%
MC Interregional Consumer Rate 3 Base - Premium	1.85%	1.00%
MC Interregional Consumer Rate 3 Base - Super Premium	1.98%	1.00%

April 2022 – Interchange Program and Rate Updates

On April 22, 2022, Mastercard will update the interchange programs and rates for several categories as shown in the tables below.

Table 1 – Airline Interchange Program

Rate Name	Current Rate	New Rate
MC High Value Airline	2.30% + $0.10	2.55% + $0.10
MC Consumer Credit World Elite Airline	2.30% + $0.10	2.55% + $0.10

Table 2 – Convenience Purchase Base Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Convenience Purchase	1.90%	1.65% + $0.04
Mastercard Enhanced Convenience Purchase	1.90%	1.80% + $0.04
Mastercard World US Convenience Purchase	2.00%	1.90% + $0.04
MC High Value Convenience Purchase	2.00%	2.30% + $0.04
Mastercard World Elite Convenience Purchase	2.00%	2.30% + $0.04

Table 3 – Merchant UCAF* Entered Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Consumer Credit Merchant UCAF	1.89% + $0.10	1.95% + $0.10
Mastercard Enhanced Merchant UCAF	2.04% + $0.10	2.10% + $0.10
Mastercard World Merchant UCAF	2.05% + $0.10	2.20% + $0.10
MC High Value Merchant UCAF	2.50% + $0.10	2.60% + $0.10
Mastercard World Elite Merchant UCAF	2.50% + $0.10	2.60% + $0.10

Table 4 – Full UCAF* Entered Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Consumer Credit Full UCAF	1.89% + $0.10	1.95% + $0.10
Mastercard Enhanced Full UCAF	2.04% + $0.10	2.10% + $0.10
Mastercard World Full UCAF	2.05% + $0.10	2.20% + $0.10
MC High Value Full UCAF	2.50% + $0.10	2.60% + $0.10
Mastercard World Elite Full UCAF	2.50% + $0.10	2.60% + $0.10

Table 5 – Key-Entered Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Key-Entered	1.89% + $0.10	1.95% + $0.10
Mastercard Enhanced Key Entered	2.04% + $0.10	2.10% + $0.10
Mastercard World US Key Entered	2.05% + $0.10	2.20% + $0.10
MC High Value Key Entered	2.50% + $0.10	2.60% + $0.10
Mastercard World Elite Key Entered	2.50% + $0.10	2.60% + $0.10

Table 6 – Lodging, Auto Rental and Cruise Interchange Program

Rate Name	Current Rate	New Rate
MC Lodging/AutoRental/Cruise – Credit	1.58% + $0.10	1.65% + $0.10
MC Lodging/AutoRental/Cruise – Enhanced	1.80% + $0.10	1.75% + $0.10

Table 7 – Merit I Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Merit 1	1.89% + $0.10	1.95% + $0.10
Mastercard Enhanced Merit 1	2.04% + $0.10	2.10% + $0.10
Mastercard World US Merit 1	2.05% + $0.10	2.20% + $0.10
MC High Value Merit 1	2.50% + $0.10	2.60% + $0.10
Mastercard World Elite Merit 1	2.50% + $0.10	2.60% + $0.10

Table 8 – Merit I Insurance Interchange

Rate Name	Current Rate	New Rate
MC High Value Merit 1 Insurance	2.20% + $0.10	2.25% + $0.10
Mastercard World Elite Merit Insurance	2.20% + $0.10	2.25% + $0.10

Table 9 – Merit I Real Estate Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Merit 1 Real Estate	1.10%	1.43%
Mastercard Enhanced Merit 1 Real Estate	1.10%	1.43%
Mastercard World Merit 1 Real Estate	1.10%	1.43%
Mastercard Merit 1 Real Estate – Debit	1.10%	0.80% + $0.25
Mastercard Merit 1 Real Estate – Debit – Max	-	$5.00
Mastercard Merit 1 Real Estate – Prepaid	1.10%	0.80% + $0.25
Mastercard Merit 1 Real Estate – Prepaid – Max	-	$5.00

Table 10 – Merit I Day Care Interchange Program

Rate Name	New Rate
Mastercard Merit 1 Day Care	1.60% + $0.10
Mastercard Enhanced Merit I Day Care	1.60% + $0.10
Mastercard World Merit I Day Care	1.60% + $0.10

Table 11 – Merit III Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Merit 3	1.58% + $0.10	1.65% + $0.10
Mastercard Enhanced Merit III Base	1.73% + $0.10	1.80% + $0.10
MC World Merit 3 Credit	1.77% + $0.10	1.90% + $0.10
MC High Value Merit III	2.20% + $0.10	2.30% + $0.10
Mastercard World Elite Merit III	2.20% + $0.10	2.30% + $0.10
Mastercard Merit 3 Prepaid	1.05% + $0.10	1.15% + $0.15

Table 12 – Passenger Transport Interchange Program

Rate Name	Current Rate	New Rate
MC Consumer Credit Enhanced Passenger Transport	1.90% + $0.10	1.75% + $0.10
MC Consumer Credit Consumer Core Passenger Transport	1.75% + $0.10	1.65% + $0.10

Table 13 – Restaurant Interchange Program

Rate Name	Current Rate	New Rate
Mastercard World US Restaurant	1.73% + $0.10	1.85% + $0.10
MC High Value Restaurant	2.20% + $0.10	2.00% + $0.10

Table 14 - Standard Entered Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Standard	2.95% + $0.10	3.15% + $0.10
Mastercard Enhanced Standard	2.95% + $0.10	3.15% + $0.10
Mastercard World US Standard	2.95% + $0.10	3.15% + $0.10
MC High Value Standard	3.25% + $0.10	3.15% + $0.10
Mastercard World Elite Standard	3.25% + $0.10	3.15% + $0.10

Table 15 - Supermarket Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Supermarket Credit	1.48% + $0.10	1.45% + $0.10
Mastercard Enhanced Supermarket Base	1.48% + $0.10	1.45% + $0.10
Mastercard World Supermarket	1.58% + $0.10	1.70% + $0.10
MC High Value Supermarket Base	1.90% + $0.10	2.10% + $0.10
Mastercard World Elite Supermarket Base	1.90% + $0.10	2.10% + $0.10

Table 16 – Travel and Entertainment Interchange Program

Rate Name	Current Rate	New Rate
Mastercard World T&E	2.30% + $0.10	2.25% + $0.10
MC High Value T&E	2.75% + $0.10	2.55% + $0.10
Mastercard World Elite T&E	2.75% + $0.10	2.55% + $0.10
MC High Value T&E Large Ticket	2.00%	2.55%
Mastercard Consumer World Elite T&E Large Ticket	2.00%	2.55%

Table 17 – Utilities Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Utilities Credit	$0.65	$0.75
Mastercard Enhanced Utilities	$0.65	$0.75
Mastercard World Utilities Credit	$0.65	$0.75

Table 18 – Consumer Credit Refund Interchange Program

Rate Name	Current Rate	New Rate
Mastercard Consumer Credit Refund Group 1	2.42%	2.30%
Mastercard Consumer Credit Refund Group 2	2.09%	1.75%
Mastercard Consumer Credit Refund Group 3	1.95%	1.75%
Mastercard Consumer Credit Refund Group 4	1.82%	1.75%
Mastercard Consumer Credit Refund Group 5	1.73%	1.75%

Table 19 – New Small Ticket Interchange Rates

Rate Name	New Rate
MC Small Ticket Card Present Core	1.65% + $0.02
MC Small Ticket Card Present World	1.90% + $0.02
MC Small Ticket Card Present World High Value	2.30% + $0.02
MC Small Ticket Card Present Enhanced	1.80% + $0.02
MC Small Ticket Card World Elite	2.30% + $0.02
MC Small Ticket Card Not Present Core	1.95% + $0.02
MC Small Ticket Card Not Present World	2.20% + $0.02
MC Small Ticket Card not Present World High Value	2.60% + $0.02
MC Small Ticket Card Not Present Enhanced	2.10% + $0.02
MC Small Ticket Card Not Present World Elite	2.60% + $0.02

Mastercard^® Fee Changes

October 2022 – Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program

Update: We are moving the first billing date of this fee from February 2023 to March 2023.

On October 1, 2022, Mastercard will reduce the Excessive Authorization Attempts TPE program threshold of declined attempts from 20¹ to 10¹. The program assesses a weekly fee for each authorization that goes over the limit. The weekly rate will increase on the dates indicated below:

Table 1 – Mastercard Excessive Authorization Attempts TPE program Rate Increase

Effective Date for Rate Change	Effective Date for First Billing	Current Rate	New Rate
January 1, 2023	March 2023	$0.10 per transaction over the threshold	$0.15 per transaction over the threshold

1. Attempts over threshold within a 24-hour period.

Updated November 3, 2022

Published July 13, 2022

April 2022 – Reduction on Reporting and Infrastructure Fee

Starting April 22, 2022, we will reduce the Mastercard Reporting and Infrastructure fee as shown in the table below.

Table – Mastercard Reporting and Infrastructure Fee Reduction

Fee Name	Current Fee	New Fee
MC Reporting & Infrastructure Fee	$0.0003	$0.0002

April 2022 – Digital Enablement Fee Expansion

Update: Mastercard has defined the authorization activities for DEF listed in the bullet points below.

Starting April 11, 2022, Mastercard will update the billing structure of the Digital Enablement Fee (DEF) by expanding the fee to card-not-present authorizations, increasing the overall rate, enforcing a minimum assessment, and introducing a maximum assessment. Please refer to the updated DEF rates and applicable transaction amounts in Table 1.

Due to this expansion, several fees will be reduced to $0, effective April 11, 2022, as shown in Table 2.

The DEF applies in the following card-not-present authorization activities:

• Authorizations on sales and refunds as well as returns

• Authorization reversals

• Account verifications (zero dollar account status checks)

Table 1 – Mastercard DEF Rates

Fee Name	Transaction Amount	Rate
MC Digital Enablement MIN	Less than or equal to $99.99	$0.02
MC Digital Enablement	$100 - $999.99	0.02%
MC Digital Enablement MAX	More than or equal to $1,000	$0.20

Table 2 – Reduced Fees due to DEF Expansion

Fee Name	Current Fee	New Fee
MC AVS Card Not Present Fee	$0.01	$0
MasterCard CVC2 Fee	$0.0025	$0
MC ASI Intraregional	$0.025	$0
MC ASI Interregional	$0.030	$0
MC ID Check 3DS2 Trans Fee	0.01%	$0
MC ID Check 3DS2 Trans Max	$0.10	$0
MC Digi Enablement/CNP Fee	0.01%	$0

Updated December 12, 2022

Published March 22, 2022

April 2022 – Decline Reason Code Service Pricing for Card-Not-Present Transactions (US)

On April 22, 2022, Mastercard will introduce a Decline Reason Code Service (DRCS) fee, which will be charged when Mastercard sends a Merchant Advice Code (MAC) when the card-issuing bank does not.

Table 1 – DRCS Fee

Fee Name	Fee
Decline Reason Code Service Fee	US $0.02

The fee will be charged when all the following conditions are met:

· Transaction is card-not-present (excluding mail order/telephone order transactions)

· Decline reason¹ is equal to one of the following:

o 79 (Lifecycle)

o 82 (Policy)

o 83 (Security)

· MAC provided is equal to one of the following:

o 01 (Updated/additional information needed)

o 03 (Do not try again)

¹ These are categories of a new subset of sensitive decline reasons that Mastercard will map on behalf of the issuer.

To avoid subsequent fees, you can use the following best practices when you receive the MACs shown in the table below.

Table 2 – DRCS Suggested Merchant Actions

Auth Response Code	Merchant Advice Code	Suggested Merchant Action
79 or 82	1	Updated information was found in the Mastercard Automatic Billing Updater (ABU) database. Check for new information before reattempting.
79 or 82	3	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
83	1	Authentication may improve the likelihood of an approval. Retry using authentication (such as EMV 3DS).
83	3	Suspected fraud. Do not retry.

February 2022 – Credential Fee Updates

Starting February 2022, Mastercard will charge a fee for recurring card-not-present transactions submitted with outdated credentials.

This per transaction fee will be billed monthly as shown in Table 1 below.

Table 1 – Fee Transactions with Outdated Credentials

Description	Fee
Credential Continuity Program	$0.03 USD

November 2021 – Transaction Processing Excellence Fee for Card-Not-Present Transactions

Update: Please refer to the updated decline response codes for Insufficient Funds/Over the Limit (51) and Do Not Honor (5) in Table 2.

Beginning November 1, 2021, Mastercard will introduce a new Transaction Processing Excellence Program (TPE) fee called the Merchant Advice Code or 'MAC' fee for declined card-not-present (CNP) transactions that meet certain conditions as listed in Table 1.

Table 1 – MAC Fees

Fee Name	Fee Amount Effective November 1, 2021	Fee Amount Effective January 1, 2022	Conditions
Merchant Advice Code Fee	$0.02	$0.03	Declined with a MAC value of 03 or 21
			Transaction on the same card within the past 30 days at the same merchant
			Same transaction amount was declined with MAC 03 or 21

You are encouraged to be familiarized with the “Mastercard Response Code” and “Merchant Advice Code” combinations and the recommended action listed in Table 2 to avoid charges.

Table 2 –Mastercard response code mapping

Decline Description	Mastercard Response Code	MAC Code	MAC Description	Recommended Action
Insufficient Funds/ Over Credit Limit	51	3	Do not try again.	Obtain anther type of payment from the cardholder.
Card is Expired	14
Do Not Honor	5
Invalid Account number	54
Do Not Honor	5	21	Payment Cancellation	Recurring payment is cancelled by cardholder. Do not resubmit transaction

Please visit our Developer Center for more information on authorization codes.

Updated September 27, 2022
Published July 16, 2021

American Express^® Interchange Updates

October 2022 – OptBlue Credit and Debit Program Pricing

On October 14, 2022, American Express OptBlue will update its pricing and program guidelines for credit and debit card products as follows

• Changes to the pricing for Tier 1, 2, and 3 for Industry Categories: Education and Government
(Tables 1 and 2)

• Addition of new Industry Categories: Charity, Insurance, Residential Rent, and Utilities (Tables 3 to 7)

• Updates of MCC Industry Categories (Table 8)

Table 1 – Education Credit Pricing Updates

Interchange Name	Transaction Criteria	New Rate
AmEx Education - Tier 1	≤ $100.00	1.10% + $0.10
AmEx Education - Tier 2	$100.01 - $3,000.00	1.45% + $0.10
AmEx Education - Tier 3	> $3,000.00	1.70% + $0.10

Table 2 – Government Credit Pricing Updates

Interchange Name	Transaction Criteria	New Rate
AmEx Government - Tier 1	≤ $100.00	1.40% + $0.10
AmEx Government - Tier 2	$100.01 - $3,000.00	1.55% + $0.10
AmEx Government - Tier 2	> $3,000.00	1.75% + $0.10

Table 3 – Charity Credit and Debit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Charity – Micro Tkt	≤ $5.00	2.00% + $0.02
AmEx Charity – Small Tkt	$5.01 - $15.00	1.60% + $0.04
AmEx Charity - Tier 1	> $15.00	2.00% + $0.10
AmEx Charity - Consumer Debit	-	0.79% + $0.15
AmEx Charity - Small Business Debit	-	1.99% + $0.10

Table 4 – Insurance Credit and Debit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Insurance - Tier 1	≤ $1,200.00	1.25% + $0.10
AmEx Insurance - Tier 2	$1,200.01 - $4,000.00	1.85% + $0.10
AmEx Insurance - Tier 3	> $4,000.00	2.50% + $0.10
AmEx Insurance - Consumer Debit	-	0.79% + $0.15
AmEx Insurance - Small Business Debit	-	1.99% + $0.10

Table 5 – Residential Rent Credit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Residential Rent - Tier 1	≤ $150.00	1.40% + $0.10
AmEx Residential Rent - Tier 2	$150.01 - $3,000.00	1.75% + $0.10
AmEx Residential Rent - Tier 3	> $3,000.00	1.90% + $0.10
AmEx Residential Rent - Consumer Debit	-	0.79% + $0.15
AmEx Residential Rent - Small Business Debit	-	1.99% + $0.10

Table 6 – Utilities Credit Pricing

Interchange Name	Transaction Criteria	Rate
AmEx Utilities - Tier 1	≤ $1,000.00	0.00% + $0.75
AmEx Utilities - Tier 2	> $1,000.00	1.50% + $0.00
AmEx Utilities - Consumer Debit	-	0.04% + $0.65
AmEx Utilities - Small Business Debit	-	0.09% + $1.45

Table 7 – Consumer and Small Business Regulated Debit

Interchange Name	Rate
Amex Consumer Regulated Debit (All Industries)	0.04% + $0.25
Amex Small Business Regulated Debit (All Industries)	0.04% + $0.25

Table 8 – MCC Industry Category Updates

MCC	Description	Current Industry Category	New Industry Category
4784	Tolls and Bridge Fees	Government	Other
4900	Utilities – Electric, Gas, Water, and Sanitary	Services & Professional Services	Utilities
6300	Insurance Sales, Underwriting, and Premiums	Emerging Markets	Insurance
6513	Real Estate Agents and Managers – Rentals	Services & Professional Services	Residential Rent
8211	Elementary and Secondary Schools	Emerging Markets	Education
8220	Colleges, Universities, Professional Schools, and Junior Colleges	Emerging Markets	Education
8351	Child Care Services	Emerging Markets	Education
8398	Charitable and Social Service Organizations	Emerging Markets	Charity
8661	Religious Organizations	Emerging Markets	Charity
9211	Court Costs, Including Alimony and Child Support	Emerging Markets	Government
9222	Fines	Emerging Markets	Government
9399	Government Services (Not Elsewhere Classified)	Emerging Markets	Government
9223	Bail and Bond Payments (Fee Only)	Government	Other

Published September 27, 2022

April 2022 – OptBlue Debit Interchange Fee Updates

On April 22, 2022, American Express will introduce a new Debit Card Program, which includes new Unregulated and Regulated Consumer and Small Business Debit products. Transactions from these new products will attract the Debit Rates and Transaction Fees in Tables 1 and 2.

Table 1 – Unregulated¹ Debit Card Program Interchange

Interchange Name	Debit Rate	Transaction Fee
AmEx B2B/Wholesale - Consumer Debit	0.99%	$0.15
AmEx Education - Consumer Debit	0.79%	$0.15
AmEx Emerging Market - Consumer Debit	0.79%	$0.15
AmEx Government - Consumer Debit	0.79%	$0.15
AmEx Healthcare - Consumer Debit	0.99%	$0.15
AmEx Restaurants - Consumer Debit	1.29%	$0.10
AmEx Retail - Consumer Debit	0.99%	$0.15
AmEx Services and Professional Services - Consumer Debit	0.99%	$0.15
AmEx Travel and Entertainment - Consumer Debit	1.19%	$0.15
AmEx Other - Consumer Debit	0.99%	$0.15
AmEx B2B/Wholesale - Small Business Debit	1.94%	$0.10
AmEx Education - Small Business Debit	1.99%	$0.10
AmEx Emerging Market - Small Business Debit	1.99%	$0.10
AmEx Government - Small Business Debit	1.99%	$0.10
AmEx Healthcare - Small Business Debit	1.94%	$0.10
AmEx Restaurants - Small Business Debit	1.99%	$0.10
AmEx Retail - Small Business Debit	1.94%	$0.10
AmEx Services and Professional Services - Small Business Debit	1.94%	$0.10
AmEx Travel and Entertainment - Small Business Debit	1.99%	$0.10
AmEx Other - Small Business Debit	1.94%	$0.10

¹ Unregulated transactions are subject to the OptBlue Assessment, OptBlue Card Not Present, OptBlue App Initiated Tran, and OptBlue International fees

Table 2 – Regulated transactions are subject to the OptBlue Assessment Fee, but the Non-Swiped (Card Not Present and App Initiated) and International Fees will not apply.

Interchange Name	Debit Rate (Sales – Refund Amount)	Transaction Fee (Sales-Refund Count)
Amex Consumer Regulated Debit (All Industries)	0.04%	$0.25
Amex Small Business Regulated Debit (All Industries)	0.04%	$0.25

² Unregulated transactions are subject to the OptBlue Assessment, OptBlue Card Not Present, OptBlue App Initiated Tran, and OptBlue International fees

April 2022 – OptBlue Pricing and Program Updates

On April 22, 2022, American Express OptBlue will update several interchange pricing and programs as described below.

Table 1 – Change in Interchange Rate for Tier 2 of Services and Professional Services Category

Rate Name	Current Rate	New Rate
AmEx Service & Professional Service – Tier 2	1.70% + $0.10	1.65% + $0.10

Table 2 – Change in Transaction Amount Threshold for Tier 2 & 3 of Services and Professional Services Category

Rate Name	Current Transaction Threshold	New Transaction Threshold
AmEx Service & Professional Service – Tier 2	$15.01 – $250	$15.01 – $150
AmEx Service and Professional Service – Tier 3	$250.01 – $3,000	$150.01 – $3,000

Table 3 – Addition of Telecommunication Services (MCC¹ 4814) in 'Other Industry' Category

Merchant Category	MCC
Other Industry	4814, 4812, 4899, 5541, 5542, 8651

¹ MCC = merchant category code

American Express^® Fee Changes

October 2022 – OptBlue Program Continuation Fees

On October 14, 2022, American Express OptBlue will introduce the Program Continuation Fee which is an assessment fee that can be charged to merchants meeting all the following conditions:

• Enrolled in the Estimated Charge Volume (ECV) Program limit of $1,000,000 or less

• Charge volume is greater than $3,000,000 in a rolling 12-month period

Table – Program Continuation Fee

Fee Name	Rate
Program Continuation Fee*	0.03%

* Applies on all American Express charges and does not apply to credits/refunds

Published September 27, 2022

April 2022 – OptBlue Transaction and Assessment Fees

Update: American Express has changed the start date of the previously announced implementation of the Acquirer Transaction Fee (see Table 1) to July 15, 2022. Any fees collected between April 22 and July 15 will be credited back to merchants by the correction process and the correction date will be communicated at a later date.

On April 22, 2022, American Express OptBlue will introduce a transaction fee and update an assessment fee as shown in the tables below.

Table 1 – American Express OptBlue Acquirer Transaction Fee

Fee Name	Fee
Acquirer Transaction Fee¹	$0.02

¹ Applied on all American Express non-debit card charges (credit and prepaid), not credits/refunds, submitted under the Program for all industries in the American Express Program Pricing Signing Guidelines

Table 2 – American Express OptBlue Assessment Fee

Rate Name	Current Rate	New Rate
Assessment Fee²	0.16%	0.165%

² Applied on all American Express Charges, not credits/refunds, submitted under the Program for all industries in the American Express Program Pricing Signing Guidelines

Please visit our Developer Center for the complete specifications required on these fees.

Updated June 15, 2021
Published April 21, 2022

Discover^® Interchange Updates

October 2022 – Introduction of Commercial B2B Interchange and Adjustment Voucher Programs

On October 14, 2022, Discover will add new Commercial Business-to-Business (B2B) Interchange Programs for eligible card products as shown in the tables below.

Table 1 – Eligible Card Products

Issuer Identification Number Ranges	Card Product	Eligibility
65430000 – 65430099	Commercial Prepaid – Non-Reloadable	U.S. Commercial B2B 1
65430100 – 65430199	Commercial Credit Cards	U.S. Commercial B2B 2

Table 2 – Discover Commercial B2B Interchange Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial B2B 1	0.00%	$0.00
U.S. Commercial B2B 2	6.00%	$0.00

Table 3 – Discover Adjustment Voucher Program Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial Adjustment Voucher Program B2B 1	0.00%	$0.00
U.S. Commercial Adjustment Voucher Program B2B 2	6.00%	$0.00

Published September 27, 2022

October 2022 – New Public Services Interchange Programs

Starting October 14, 2022, Discover will add new interchange programs for public services merchant category codes (MCC) applicable to transactions with card sale amounts more than $200 on consumer exempt debit and prepaid. Transactions with card sale amounts less than or equal to $200 will qualify for the existing interchange fees.

Table – New Public Services (Maximum) Interchange Programs

Fee Name	MCC	Rate
PSL - Public Services (Maximum) (Prepaid)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00
PSL - Public Services (Maximum (Debit)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00

Published September 27, 2022

April 2022 – Updated Interchange Rates and Fees

On April 22, 2022, Discover is updating its rates and fees for debit card, prepaid card, consumer credit card, and commercial card products as shown in the tables below.

Table 1 - Discover Domestic Interchange Rates and Fees for Consumer Debit Cards and Prepaid Cards

Interchange Name	Current Rate	New Rate
Discover PSL Supermarkets/Warehouse Clubs Prepaid	1.10% + $0.16	1.12% + $0.16
Discover PSL Retail Prepaid	1.10% + $0.16	1.12% + $0.16
Discover Prime Submission Level Restaurants – Debit	1.10% + $0.16	1.14% + $0.15
Discover PSL Restaurants Prepaid	1.10% + $0.16	1.14% + $0.15
Discover PSL Card Not Present Prepaid	1.75% + $0.20	1.76% + $0.20
Discover Prime Submission Level E-commerce - Prepaid	1.75% + $0.20	1.76% + $0.20
Discover Key Entry Prepaid	1.75% + $0.20	1.76% + $0.20

Table 2 – Discover Domestic Interchange Rates and Fees for Consumer Credit Card Products

Interchange Name	Current Rate	New Rate
Discover Prime Submission Lvl Supermrkts/Warehouse- Rewards	1.60% + $0.10	1.62% + $0.10
Discover Prime Submission Level Emerging Markets - Rewards	1.45% + $0.05	1.50% + $0.05
Discover Prime Submission Level Emerging Markets - Premium	1.45% + $0.05	1.50% + $0.05
Discover Prime Submission Level Express Services - Premium	1.95% + $0.00	1.97% + $0.00
Discover Prime Submission Level Retail - Core	1.56% + $0.10	1.57% + $0.10
Discover Prime Submission Level Retail - Rewards	1.71% + $0.10	1.72% + $0.10
Discover Prime Submission Level Retail - Premium	1.71% + $0.10	1.74% + $0.10
Discover PSL Retail Premium Plus	2.15% + $0.10	2.17% + $0.10
Discover Prime Submission Level Hotels/Car Rentals - Rewards	1.90% + $0.10	1.92% + $1.10
Discover PSL Hotels/Car Rentals Premium Plus	2.40% + $0.10	2.57% + $0.10
Discover Prime Submission Lvl Passenger Transport - Rewards	1.90% + $0.10	1.92% + $0.10
Discover Prime Submission Level Card Not Present - Core	1.89% + $0.10	1.91% + $0.10
Discover Prime Submission Level Card Not Present - Rewards	2.00% + $0.10	2.03% + $0.10
Discover Prime Submission Level Card Not Present - Premium	2.00% + $0.10	2.05% + $0.10
Discover PSL Card Not Present Premium Plus	2.40% + $0.10	2.50% + $0.10
Discover Prime Submission Level E-commerce - Core	1.89% + $0.10	1.91% + $0.10
Discover Prime Submission Level E-commerce - Rewards	2.00% + $0.10	2.03% + $0.10
Discover Prime Submission Level E-commerce - Premium	2.00% + $0.10	2.05% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.40% + $0.10	2.50% + $0.10
Discover Key Entry Submission Level - Core	1.89% + $0.10	1.91% + $0.10
Discover Key Entry Submission Level - Rewards	2.00% + $0.10	2.03% + $0.10
Discover Key Entry Submission Level - Premium	2.00% + $0.10	2.05% + $0.10
Discover Key Entry Submission Level - Premium Plus	2.40% + $0.10	2.50% + $0.10
Discover Base Submission Level - Core	2.95% + $0.10	3.05% + $0.10
Discover Base Submission Level - Rewards	2.95% + $0.10	3.05% + $0.10
Discover Base Submission Level - Premium	2.95% + $0.10	3.05% + $0.10
Discover Base Submission Level Premium Plus	2.95% + $0.10	3.05% + $0.10

Table 3 – Discover Domestic Interchange Rates and Fees for Commercial Card Products

Interchange Name	Current Rate	New Rate
Discover Commercial Electronic Debit	2.30% + $0.10	2.45% + $0.15
Discover Commercial Electronic Prepaid	2.30% + $0.10	2.65% + $0.10
Discover Commercial Electronic Program	2.30% + $0.10	2.45% + $0.15
Discover Commercial Base Submission Level Debit	2.95% + $0.10	3.05% + $0.10
Discover Commercial Base Submission Level Prepaid	2.95% + $0.10	3.05% + $0.10
Discover Commercial Base Submission Level	2.95% + $0.10	3.05% + $0.10

April 2022 – Revised MCC for Recurring Payments Interchange Program

Starting April 22, 2022, Discover will add merchant category codes (MCC) 4814 and 4899 in the Recurring Payments Interchange Program for consumer credit transactions. The table below lists the MCCs qualified for the program.

Table – Recurring Payments Interchange

MCC	Merchant Description
4814	Telecommunications
4899	Cable Services
5968	Direct Marketing-Continuity/Subscription
7997	Membership Clubs (Sports, Recreation, Athletic), Country Clubs and Private Golf Courses
8351	Child Day Care Services

April 2022 – New Charity Consumer Interchange Program

Update: Starting October 14, 2022, Discover will remove Charity MCC 8398 from the Emerging Markets MCC exclusion list. It will now qualify for the existing six interchange programs noted in Tables 2 to 7.

On April 22, 2022, Discover will introduce a new Charity US Consumer Interchange Program for merchant category code (MCC) 8398. Both card-present and card-not-present transactions are eligible for this program.

Table 1 – Discover Charity US Consumer Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Charity – Debit	0.90% + $0.20
Discover Prime Submission Level Charity – Prepaid	0.90% + $0.20
Discover Prime Submission Level Charity – Debit Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Prepaid Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Debit Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Prepaid Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Core	1.45% + $0.05
Discover Prime Submission Level Charity – Rewards	1.50% + $0.05
Discover Prime Submission Level Charity – Premium	1.50% + $0.05
Discover Prime Submission Level Charity – Premium Plus	2.30% + $0.10

Related to this new program, MCC 8398 will be removed from the following interchange programs:

· Recurring Payments US Consumer Interchange Program

· Emerging Markets US Consumer Interchange Program

Table 2 – U.S. Consumer Retail Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Retail - Core	1.57% + $0.10
Discover Prime Submission Level Retail - Rewards	1.72% + $0.10
Discover Prime Submission Level Retail - Debit	1.10% + $0.16
Discover PSL Retail Regulated Debit¹	0.05% + $0.21
Discover PSL Retail Prepaid	1.12% +$0.16
Discover PSL Retail Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Retail - Premium	1.74% + $0.10
Discover PSL Retail Premium Plus	2.17% + $0.10

Table 3 – U.S. Consumer Card-Not-Present (CNP) Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Card Not Present - Core	1.91% + $0.10
Discover Prime Submission Level Card Not Present - Rewards	2.03% + $0.10
Discover Prime Submission Level Card Not Present - Debit	1.75% + $0.20
Discover PSL CNP Regulated Debit¹	0.05% + $0.21
Discover PSL Card Not Present Prepaid	1.76% + $0.20
Discover PSL Card Not Present Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Card Not Present - Premium	2.05% + $0.10
Discover PSL Card Not Present Premium Plus	2.50% + $0.10

Table 4 – U.S. Consumer E-Commerce Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce - Debit Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerce-PrePaid Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.50% + $0.10

Table 5 – U.S. Consumer E-Commerce Secure Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.80% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	1.90% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured- DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.75% + $0.21
Discover Prime Submission Level E-commerceSecured-PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	1.95% + $0.10
Discover Prime Submission Level E-commerce Secured -PremPlus	2.35% + $0.10

Table 6 – U.S. Consumer Key Entry Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured- DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerceSecured-PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce Secured -PremPlus	2.50% + $0.10

Table 7 – U.S. Commercial Electronic Interchange Program Rates

Fee Name	Rate
Discover Commercial Electronic Program	2.45% + $0.15
Discover Commercial Electronic Debit	2.45% + $0.15
Discover Commercial Electronic Regulated Debit¹	0.05% + $0.21
Discover Commercial Electronic Prepaid	2.65% + $0.10
Discover Commercial Electronic Regulated Prepaid¹	0.05% + $0.21

1. Fraud adjustment will be charged additional $0.01

Updated September 27, 2022

Published March 21, 2022

Discover^® Fee Changes

April 2022 – Update to Acquirer Fees

On April 22, 2022, Discover will introduce three new fees as listed below.

Table – New Discover Fees

Fee Name	Fee/Rate
Account Verification Service Fee	$0.02 per request
Address Verification Service Fee¹	$0.005 per request
Digital Investment Fee²	0.01% of the sale amount

¹ Applies to Address Verification Service Response Codes: X, A, Y, T, Z, and N

² Applies to transactions with POS Entry Modes: 01, 07, 10, 82, and 91

April 2022 – Updated Assessment Fee

On April 22, 2022, Discover is updating its assessment fee as shown in the table below.

Table – Discover Assessment Fee

Fee Name	Current Rate	New Rate
Discover Acquirer Assessment Rate	0.13%	0.14%

Updates for U.S. Territories

April 2023 – U.K. Flexible Credential Rates in U.S. Territories

Published February 15, 2023

April 2023 – New Fee for Estimated and Incremental Authorizations in the U.S. Territories

Starting 17 April 2023, Visa will charge a .02% fee for every Estimated Authorization and Incremental Authorization request (see below)

• Estimated Authorization Request: allows you to obtain an approval before a cardholder has identified what goods or services will be purchased

• Incremental Authorization Request: allows you to increase the total authorized funds if the initial estimated amount is insufficient

Published January 13, 2023

February 2023 – Mastercard Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program in Puerto Rico and U.S. Virgin Islands

On February 1, 2023, Mastercard will reduce the threshold of declined attempts for the Excessive Authorization Attempts Transaction Processing Excellence (TPE) program from 10¹ to 7¹. A new threshold of 35 declined attempts on a single account number, from the same card acceptor ID per 30-day rolling period², will also be put in place.

The existing Excessive Authorization Attempts fee will remain $0.50 per transaction over the threshold.

1. Attempts over threshold within a 24-hour period.

2. Authorization attempts declined daily count towards the monthly threshold, but customers will not be assessed twice for the same authorization attempt.

Published December 12, 2022

January 2023 – Introduction of Visa Flexible Credential Prepaid Consumer Product in the U.S. Territories

On January 20, 2023, Visa will introduce the new Visa Flexible Credential prepaid card, which supports buy now, pay later purchases in virtual and physical environments. These cards will be issued in the Asia Pacific, Central Europe, Middle East and Africa regions. If you process one of these cards, the existing interchange rates will apply as shown in the table below.

Table 1 – Interregional Rate for Visa Flexible Credential Purchases for Puerto Rico and the U.S. Virgin Islands

Fee Name

Current Rate

(No Change)

Visa Interregional Premium Card

1.80%

Table 2 – Intraregional Rates for Visa Flexible Credential Purchases for Guam

Fee Name	Current Rate (No Change)
VISA Flexible Credential Consumer Prepaid AP – Base¹	1.88%
VISA Flexible Credential Consumer Prepaid AP – Alternative²	1.88%
VISA Flexible Credential Consumer Prepaid AP – Standard³	1.93%

1. Card-present

2. Card-not-present

3. Remains the same

Published December 12, 2022

January 2023 – Mastercard Transaction Processing Excellence Fee for Card-Not-Present Transactions for US Territories

Update: Mastercard will modify the fees starting January 1, 2023, as seen in Table 1.

Last October 1, 2021, Mastercard introduced the Transaction Processing Excellence Program (TPE) fee called the Merchant Advice Code or 'MAC' fee for declined card-not-present (CNP) transactions that meet certain conditions as listed in Table 1.

Table 1 – MAC Fees

Fee Name	Fee Amount Effective January 1, 2022	Fee Amount Effective January 1, 2023	Conditions
Merchant Advice Code Fee	$0.25	$0.50	Declined with a MAC value of 03 or 21
			Transaction on the same card within the past 30 days at the same merchant
			Same transaction amount was declined with MAC 03 or 21

You are encouraged to be familiarized with the “Mastercard Response Code” and “Merchant Advice Code” combinations and note the recommended action as listed in Table 2 to avoid charges.

Table 2 – Mastercard Response Code Mapping

Decline Description	Mastercard Response Code	MAC Code	MAC Description	Recommended Action
Insufficient Funds/ Over Credit Limit	51	3	Do not try again	Obtain anther type of payment from the cardholder.
Card is Expired	14
Do Not Honor	5
Invalid Account number	54
Do Not Honor	5	21	Payment Cancellation	Recurring payment is cancelled by cardholder. Do not resubmit transaction

Please visit our Developer Center for more information on authorization codes.

Updated November 3, 2022
Updated September 27, 2022
Published July 16, 2021

November 2022 – Mastercard Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program in Guam

On November 1, 2022, Mastercard will introduce a new threshold of 35 declined attempts on the same account number and same card acceptor ID within a 30-day rolling period. Anything in excess of the new threshold will be charged as shown in the table below.

Table – Mastercard Excessive Authorization Attempts TPE Program Rate

Effective Date for First Billing	Current Rate
December 18, 2022	$0.50 per transaction over the threshold

Mastercard will continue to assess a weekly rate for each authorization after 10 previously declined attempts¹ on the same account number and same card acceptor ID.

1. Attempts over threshold within a 24-hour period

Published September 27, 2022

October 2022 – New Flexible Rate B2B Virtual Program Products in U.S. Territories

This will include credit, deferred debit, and prepaid options with transaction amounts outlined in Table 2.

Table 1 – Visa B2B Virtual Program Flexible Rates

Fee Name	Rate
Visa Flexible Rate B2B Virtual Payments-Program 1	0.80%
Visa Flexible Rate B2B Virtual Payments-Program 2	1.00%
Visa Flexible Rate B2B Virtual Payments-Program 3	1.20%
Visa Flexible Rate B2B Virtual Payments-Program 4	1.40%
Visa Flexible Rate B2B Virtual Payments-Program 5	1.60%
Visa Flexible Rate B2B Virtual Payments-Program 6	1.80%
Visa Flexible Rate B2B Virtual Payments-Program 7	2.00%
Visa Flexible Rate B2B Virtual Payments-Program 8	0.90%
Visa Flexible Rate B2B Virtual Payments-Program 9	1.10%
Visa Flexible Rate B2B Virtual Payments-Program 10	1.30%
Visa Flexible Rate B2B Virtual Payments-Program 11	1.50%
Visa Flexible Rate B2B Virtual Payments-Program 12	1.70%
Visa Flexible Rate B2B Virtual Payments-Program 13	1.90%

Table 2 – Visa B2B Virtual Program Flexible Rate Transaction Amount

Transaction Type	Transaction Amount
Credit or Deferred Debit	Below $750,000.00
Prepaid (purchase or credit voucher)	Below $500,000.00

Published September 27, 2022

B2B Virtual Payments Program Updates in the U.S. Territories

Update: Merchant category code 7996 (amusement parks, circuses, carnivals, and fortune tellers) will be eligible for B2B virtual payments transactions starting January 20, 2023.

Table 1 – New Eligible MCCs Qualifying for Visa B2B Virtual Payments Transactions

MCC	Merchant Category Description
4111	Local and suburban commuter passenger transportation, including ferries
4121	Taxicabs and limousines
4789	Transportation services (not elsewhere classified)
5812	Eating places and restaurants
5813	Drinking places (alcoholic beverages) – bars, taverns, nightclubs, cocktail lounges, and discotheques
5814	Fast food restaurants
5992	Florists
7832	Motion picture theaters
7922	Ticket agencies and theatrical producers (except motion pictures)
7992	Public golf courses
7996	Amusement parks, circuses, carnivals, and fortune tellers (effective January 20, 2023)
9399	Government services (not elsewhere classified)

Table 2 – New Visa B2B Virtual Payments Interchange Rates

Interchange Rate Name	Rate
Visa Global B2B Virtual Payments - Program 8	0.90%
Visa Global B2B Virtual Payments - Program 9	1.10%
Visa Global B2B Virtual Payments - Program 10	1.30%
Visa Global B2B Virtual Payments - Program 11	1.50%
Visa Global B2B Virtual Payments - Program 12	1.70%
Visa Global B2B Virtual Payments - Program 13	1.90%

Updated January 13, 2023

Published September 27, 2022

October 2022 – Introduction of Commercial B2B Interchange and Adjustment Voucher Programs in Puerto Rico, U.S. Virgin Islands, and Guam

On October 14, 2022, Discover will add new Commercial Business-to-Business (B2B) Interchange Programs for eligible card products as shown in the tables below.

Table 1 – Eligible Card Products

Issuer Identification Number Ranges	Card Product	Eligibility
65430000 – 65430099	Commercial Prepaid – Non-Reloadable	U.S. Commercial B2B 1
65430100 – 65430199	Commercial Credit Cards	U.S. Commercial B2B 2

Table 2 – Discover Commercial B2B Interchange Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial B2B 1	0.00%	$0.00
U.S. Commercial B2B 2	6.00%	$0.00

Table 3 – Discover Adjustment Voucher Program Rates and Fees

Fee Name	Rate	Transaction Fee
U.S. Commercial Adjustment Voucher Program B2B 1	0.00%	$0.00
U.S. Commercial Adjustment Voucher Program B2B 2	6.00%	$0.00

Published September 27, 2022

October 2022 – New Public Services Interchange Programs in U.S. Territories

Table – New Public Services (Maximum) Interchange Programs

Fee Name	MCC	Rate
PSL - Public Services (Maximum) (Prepaid)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00
PSL - Public Services (Maximum (Debit)	4784, 9211, 9222, 9223, 9311, 9399, 9405	0.00% + $2.00

Published September 27, 2022

October 2022 – Discover^® New Charity Consumer Interchange Program in U.S. Territories

Table 1 – Discover Charity US Consumer Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Charity – Debit	0.90% + $0.20
Discover Prime Submission Level Charity – Prepaid	0.90% + $0.20
Discover Prime Submission Level Charity – Debit Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Prepaid Non Exempt	0.05% + $0.21
Discover Prime Submission Level Charity – Debit Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Prepaid Non Exempt w Fraud Adjustment	0.05% + $0.22
Discover Prime Submission Level Charity – Core	1.45% + $0.05
Discover Prime Submission Level Charity – Rewards	1.50% + $0.05
Discover Prime Submission Level Charity – Premium	1.50% + $0.05
Discover Prime Submission Level Charity – Premium Plus	2.30% + $0.10

Related to this new program, MCC 8398 will be removed from the following interchange programs:

· Recurring Payments US Consumer Interchange Program

· Emerging Markets US Consumer Interchange Program

Table 2 – U.S. Consumer Retail Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Retail - Core	1.57% + $0.10
Discover Prime Submission Level Retail - Rewards	1.72% + $0.10
Discover Prime Submission Level Retail - Debit	1.10% + $0.16
Discover PSL Retail Regulated Debit¹	0.05% + $0.21
Discover PSL Retail Prepaid	1.12% +$0.16
Discover PSL Retail Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Retail - Premium	1.74% + $0.10
Discover PSL Retail Premium Plus	2.17% + $0.10

Table 3 – U.S. Consumer Card-Not-Present (CNP) Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level Card Not Present - Core	1.91% + $0.10
Discover Prime Submission Level Card Not Present - Rewards	2.03% + $0.10
Discover Prime Submission Level Card Not Present - Debit	1.75% + $0.20
Discover PSL CNP Regulated Debit¹	0.05% + $0.21
Discover PSL Card Not Present Prepaid	1.76% + $0.20
Discover PSL Card Not Present Regulated Prepaid¹	0.05% + $0.21
Discover Prime Submission Level Card Not Present - Premium	2.05% + $0.10
Discover PSL Card Not Present Premium Plus	2.50% + $0.10

Table 4 – U.S. Consumer E-Commerce Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce - Debit Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerce-PrePaid Regulated¹	0.05% + $0.21
Discover Prime Submission Level E-commerce - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.50% + $0.10

Table 5 – U.S. Consumer E-Commerce Secure Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.80% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	1.90% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured- DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.75% + $0.21
Discover Prime Submission Level E-commerceSecured-PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	1.95% + $0.10
Discover Prime Submission Level E-commerce Secured -PremPlus	2.35% + $0.10

Table 6 – U.S. Consumer Key Entry Interchange Program Rates

Fee Name	Rate
Discover Prime Submission Level E-commerce Secured - Core	1.91% + $0.10
Discover Prime Submission Level E-commerce Secured - Rewards	2.03% + $0.10
Discover Prime Submission Level E-commerce Secured - Debit	1.75% + $0.20
Discover Prime Submission Level E-commerce Secured- DebitReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Prepaid	1.76% + $0.20
Discover Prime Submission Level E-commerceSecured-PrePaidReg¹	0.05% + $0.21
Discover Prime Submission Level E-commerce Secured - Premium	2.05% + $0.10
Discover Prime Submission Level E-commerce Secured -PremPlus	2.50% + $0.10

Table 7 – U.S. Commercial Electronic Interchange Program Rates

Fee Name	Rate
Discover Commercial Electronic Program	2.45% + $0.15
Discover Commercial Electronic Debit	2.45% + $0.15
Discover Commercial Electronic Regulated Debit¹	0.05% + $0.21
Discover Commercial Electronic Prepaid	2.65% + $0.10
Discover Commercial Electronic Regulated Prepaid¹	0.05% + $0.21

1. Fraud adjustment will be charged additional $0.01

Updated September 27, 2022

Published March 21, 2022

October 2022 – New Non-Domestic Currency Settlement Fee for the U.S. Territories

Update: Fee name was updated from “VI Non-Dom CCY Stlmnt Fee” to “Visa Non-Dom Currency Settlement Volume Fee”

Table 1 – Visa Non-Domestic Settlement Charges

Country	Fee Name	Rate
Puerto Rico, U.S. Virgin Islands	Visa Non-Dom Currency Settlement Volume Fee	0.10%
Guam	Visa Non-Dom Currency Settlement Volume Fee	0.25%

Table 2 – Cross-Border Fee Scenarios

Jurisdiction	Merchant Country	Card-Issuing Country	Settlement Currency	Fee Applied
Cross-border	U.S. Territories*	Anywhere outside the U.S. and U.S. Territories*	Any currency that is not USD	Yes
Intraregional	U.S. Territories*	U.S. Territories*	USD	No
Domestic	U.S. Territories*	U.S. Territories*	USD	No
Cross-border	United States	U.S. Territories*	USD	No
Cross-border	U.S. Territories*	United States	USD	No

* Puerto Rico, U.S. Virgin Islands, and Guam

Updated September 27, 2022

Published July 27, 2022

May 2022 – PULSE^® Acquirer Switch Fee Price Update for Puerto Rico

On May 15, 2022, PULSE will adjust its Acquirer Switch Fee for international PIN POS debit transaction pricing as outlined in the table below.

Table – PULSE Acquirer Switch Fee for International PIN POS Debit Transactions

Interchange Name	Current Rate	New Rate
Acquirer Switch Fee	0.95%	1.45%

Published March 21, 2022

April 2022 – Visa Processing Pricing Changes in US Territories

On April 1, 2022, Visa is introducing the following changes:

New per-transaction fee for the Address Verification Service (AVS). This fee will be assessed on every card-not-present transaction where an address verification is performed and results in a usable result match, including full match, partial match (street address or zip/post-code), or no match. This fee will not be assessed on Account Verifications, AFT or OCT transactions, or whenever the address is not verified.
Updated Account Verification Service fee. This fee is used to verify the status of an account prior to an authorization or when an authorization is not required – in instances when credentials are stored on file. Account verification messages must be used instead of low-value authorization or AFD status check messages – permitted only for automated fuel dispensers. This fee supports verification of address and Card Verification Value 2 (CVV2) at no additional cost.

Table 1 – Visa Processing Fees in Guam

Fee Name	New Fee
Address Verification Fee	$0.005 per usable AVS result received
Account Verification Fee	$0.005 per transaction + Current Acquirer Authorization Rate

Table 2 – Visa Processing Fees in Puerto Rico and US Virgin Islands

Fee Name	New Fee
Address Verification Fee	$0.005 per usable AVS result received
Domestic Account Verification Fee	$0.0035 per transaction
International Account Verification Fee	$0.0025 per transaction

April 2022 – New Visa Secure Credential Framework Fee for Non-Tokenized Transactions in U.S. Virgin Islands

Starting April 22, 2022, Visa will implement a new Visa Secure Credential Framework Fee for domestic card-not-present (CNP) transactions performed with a primary account number. This new fee will not apply to CNP transactions processed using Visa EMV

Table – Visa Secure Credential Framework Fee

Fee Name	Fee
VI SecCrdntial CNP w/PAN	0.05%

April 2022 – Discover Updated Interchange Rates and Fees for US Territories

On April 22, 2022, Discover is updating its rates and fees for debit card, prepaid card, consumer credit card, and commercial card products as shown in the tables below.

Table 1 - Discover Domestic Interchange Rates and Fees for Consumer Debit Cards and Prepaid Cards

Interchange Name	Current Rate	New Rate
Discover PSL Supermarkets/Warehouse Clubs Prepaid	1.10% + $0.16	1.12% + $0.16
Discover PSL Retail Prepaid	1.10% + $0.16	1.12% + $0.16
Discover Prime Submission Level Restaurants – Debit	1.10% + $0.16	1.14% + $0.15
Discover PSL Restaurants Prepaid	1.10% + $0.16	1.14% + $0.15
Discover PSL Card Not Present Prepaid	1.75% + $0.20	1.76% + $0.20
Discover Prime Submission Level E-commerce - Prepaid	1.75% + $0.20	1.76% + $0.20
Discover Key Entry Prepaid	1.75% + $0.20	1.76% + $0.20

Table 2 – Discover Domestic Interchange Rates and Fees for Consumer Credit Card Products

Interchange Name	Current Rate	New Rate
Discover Prime Submission Lvl Supermrkts/Warehouse- Rewards	1.60% + $0.10	1.62% + $0.10
Discover Prime Submission Level Emerging Markets - Rewards	1.45% + $0.05	1.50% + $0.05
Discover Prime Submission Level Emerging Markets - Premium	1.45% + $0.05	1.50% + $0.05
Discover Prime Submission Level Express Services - Premium	1.95% + $0.00	1.97% + $0.00
Discover Prime Submission Level Retail - Core	1.56% + $0.10	1.57% + $0.10
Discover Prime Submission Level Retail - Rewards	1.71% + $0.10	1.72% + $0.10
Discover Prime Submission Level Retail - Premium	1.71% + $0.10	1.74% + $0.10
Discover PSL Retail Premium Plus	2.15% + $0.10	2.17% + $0.10
Discover Prime Submission Level Hotels/Car Rentals - Rewards	1.90% + $0.10	1.92% + $1.10
Discover PSL Hotels/Car Rentals Premium Plus	2.40% + $0.10	2.57% + $0.10
Discover Prime Submission Lvl Passenger Transport - Rewards	1.90% + $0.10	1.92% + $0.10
Discover Prime Submission Level Card Not Present - Core	1.89% + $0.10	1.91% + $0.10
Discover Prime Submission Level Card Not Present - Rewards	2.00% + $0.10	2.03% + $0.10
Discover Prime Submission Level Card Not Present - Premium	2.00% + $0.10	2.05% + $0.10
Discover PSL Card Not Present Premium Plus	2.40% + $0.10	2.50% + $0.10
Discover Prime Submission Level E-commerce - Core	1.89% + $0.10	1.91% + $0.10
Discover Prime Submission Level E-commerce - Rewards	2.00% + $0.10	2.03% + $0.10
Discover Prime Submission Level E-commerce - Premium	2.00% + $0.10	2.05% + $0.10
Discover Prime Submission Level E-commerce - Premium Plus	2.40% + $0.10	2.50% + $0.10
Discover Key Entry Submission Level - Core	1.89% + $0.10	1.91% + $0.10
Discover Key Entry Submission Level - Rewards	2.00% + $0.10	2.03% + $0.10
Discover Key Entry Submission Level - Premium	2.00% + $0.10	2.05% + $0.10
Discover Key Entry Submission Level - Premium Plus	2.40% + $0.10	2.50% + $0.10
Discover Base Submission Level - Core	2.95% + $0.10	3.05% + $0.10
Discover Base Submission Level - Rewards	2.95% + $0.10	3.05% + $0.10
Discover Base Submission Level - Premium	2.95% + $0.10	3.05% + $0.10
Discover Base Submission Level Premium Plus	2.95% + $0.10	3.05% + $0.10

Table 3 – Discover Domestic Interchange Rates and Fees for Commercial Card Products

Interchange Name	Current Rate	New Rate
Discover Commercial Electronic Debit	2.30% + $0.10	2.45% + $0.15
Discover Commercial Electronic Prepaid	2.30% + $0.10	2.65% + $0.10
Discover Commercial Electronic Program	2.30% + $0.10	2.45% + $0.15
Discover Commercial Base Submission Level Debit	2.95% + $0.10	3.05% + $0.10
Discover Commercial Base Submission Level Prepaid	2.95% + $0.10	3.05% + $0.10
Discover Commercial Base Submission Level	2.95% + $0.10	3.05% + $0.10

April 2022 – Discover Updated Assessment Fee

On April 22, 2022, Discover is updating its assessment fee as shown in the table below.

Table – Discover Assessment Fee

Fee Name	Current Rate	New Rate
Discover Acquirer Assessment Rate	0.13%	0.14%

April 2022 – Visa Interchange Rates for Non-Tokenized Card Not Present (CNP) Transactions in Guam

Starting April 22, 2022, Visa will apply a higher interchange rate for non-tokenized card-not-present (CNP) transactions in Guam as shown in the table below.

Table – Visa Non-Tokenized CNP Rates for Guam

Interchange Name	Rate
VISA AP Non-Tokenized CNP Electron/Classic/Gold	1.49%
VISA AP Non-Tokenized CNP Platinum	1.95%
VISA AP Non-Tokenized CNP Signature	2.05%
VISA AP Non-Tokenized CNP Infinite	2.40%
VISA AP Non-Tokenized CNP Corporate/Purchasing	1.90%
VISA AP Non-Tokenized CNP Business	2.05%
VISA AP Non-Tokenized CNP Infinite Business	2.40%
VISA AP Non-Tokenized CNP Signature Business	2.05%

April 2022 – Mastercard Updated Consumer Interregional Interchange Rate Codes for U.S. Territories

Update: Please refer to the modified interchange name in the table below - "Rate 3 Card Present - Super Premium" changed to "Rate 3 Base - Super Premium".

On April 22, 2022, Mastercard is updating its interchange rate names as shown in the table below.

Table – Mastercard Consumer Interregional Interchange Rate

Interchange Name	Rate	Refund
MC Interregional Consumer Rate 1 Digital Commerce - Core	1.60%	1.00%
MC Interregional Consumer Rate 1 Digital Commerce - Premium	1.85%	1.00%
MC Interregional Consumer Rate 1 Digital Commerce - Super Premium	1.98%	1.00%
MC Interregional Consumer Rate 2 Card Present - Core	1.10%	1.00%
MC Interregional Consumer Rate 2 Card Present - Premium	1.85%	1.00%
MC Interregional Consumer Rate 2 Card Present - Super Premium	1.98%	1.00%
MC Interregional Consumer Rate 3 Base - Core	1.60%	1.00%
MC Interregional Consumer Rate 3 Base - Premium	1.85%	1.00%
MC Interregional Consumer Rate 3 Base - Super Premium	1.98%	1.00%

April 2022 – Decline Reason Code Service Pricing for Card-Not-Present Transactions (LAC)

On April 22, 2022, Mastercard will introduce a Decline Reason Code Service (DRCS) fee, which will be charged when Mastercard sends a Merchant Advice Code (MAC) when the card-issuing bank does not.

Table 1 – DRCS Fee

Rate Name	Rate
Decline Reason Code Service (DRCS) Rate	0.03%*

* Minimum $0.00025 and maximum $0.1200

The fee will be charged when all the following conditions are met:

· Transaction is card-not-present (excluding mail order/telephone order transactions)

· Decline reason¹ is equal to one of the following:

o 79 (Lifecycle)

o 82 (Policy)

o 83 (Security)

· MAC provided is equal to one of the following:

o 01 (Updated/additional information needed)

o 03 (Do not try again)

¹ These are categories of a new subset of sensitive decline reasons that Mastercard will map on behalf of the issuer.

To avoid subsequent fees, you can use the following best practices when you receive the MACs shown in the table below.

Table 2 – DRCS Suggested Merchant Actions

Auth Response Code	Merchant Advice Code	Suggested Merchant Action
79 or 82	1	Updated information was found in the Mastercard Automatic Billing Updater (ABU) database. Check for new information before reattempting.
79 or 82	3	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
83	1	Authentication may improve the likelihood of an approval. Retry using authentication (such as EMV 3DS).
83	3	Suspected fraud. Do not retry.

February 2022 – Visa Stop Payment Service in Guam, Puerto Rico and US Virgin Islands

Update: Visa has deferred Visa Stop Payment Service to November 2021 and the first billing will be in February 2022.

Visa is introducing the Visa Stop Payment Service (VSPS). VSPS, replaces the Pre-Authorized Payment Cancellation Service (PPCS), and allows a cardholder to contact their issuer to stop future recurring payments from debiting their account. When a cardholder’s stop payment request is ignored, the merchant can expect a Repeat Authorization Decline Fee, of US$1 on the fourth authorization attempt and US$1 for each subsequent authorization attempt.

Table 1 – Visa Stop Payment Service Fees

Fee Name	Event	Effective Date	First Billing	Fee Amount
Visa Stop Payment Service (VSPS)	Repeat Auth Attempts	November 2021	February 2022	$1.00 USD

Visa System Integrity Program

Update : Visa has moved Decline Code 57 from Category 1 (Table 1) to Category 2 (Table 2) until further notice.

Enhanced Decline Code Management

The categorization of decline codes will help inform merchants:

If they should re-attempt an authorization following an initial decline
If they will incur a fee should authorization re-attempts exceed the thresholds

The four Enhanced Decline Categories are as follows:

Category 1: Issuer Will Never Approve

Decline Codes in Category 1 indicate the card is blocked for use or never existed and means there is no circumstance in which an approval will be granted.

Table 1 – Visa Decline Codes – Category 1

Decline Code	Reason		Decline Code	Reason
04	Pick up card (no fraud)		15	No such issuer (first 8 digits of account number do not relate to an issuing identifier)
07	Pick up card, special condition (fraud account)		41	Lost card, pick up card (fraud account)
12	Invalid transaction		43	Stolen card, pick up (fraud account)
14¹	Invalid account number (no such number)		57	Transaction not permitted to cardholder
		No modulus 10 check	46	Closed Account
		Not a valid length for issuer	R0²	Stop Payment Order
		Not in positive PIN Verification file	R1²	Revocation of Authorization Order
		Separator in wrong position	R3²	Revocation of All Authorizations Order

Category 2: Issuer Cannot Approve at This Time

Decline codes in Category 2 are temporary decline decisions that may change over time, indicating the authorization may approve, but cannot approve now.

Table 2 – Visa Decline Codes – Category 2

Decline Code	Reason	Decline Code	Reason
03	Invalid merchant	75	Allowable number of PIN-entry tries exceeded
19	Re-enter transaction	78	“Blocked, first used”—Transaction from new cardholder, and card not properly unblocked
51	Not sufficient funds	86	Cannot verify PIN; for instance, no PVV
59	Suspected fraud	91	Issuer unavailable or switch inoperative
			Time-out when no STIP
			Issuer unavailable for credit voucher and merchandise return authorizations
			Issuers use code to indicate they cannot perform authorization on issuer’s behalf
61	Exceeds approval amount limit	93	Transaction cannot be completed violation of law.
62	Restricted card (card invalid in region or country)	96	System malfunction
65	Exceeds withdrawal frequency limit	N3	Cash Service not available
65	Exceeds withdrawal frequency limit	N4	Cash request exceeds issuer or approved limit

Category 3: Authorization Cannot Approve with These Details (Data Quality)

Decline codes in this category indicate the authorization cannot approve based on the details provided, such as an incorrect Card Verification Value 2 (CVV2) or expiration date.

Table 3 – Visa Decline Codes – Category 3 – Data Quality

Decline Code	Reason		Decline Code	Reason
14¹	Invalid account number (no such number)		82	Negative Online CAM, dCVV, iCVV, or CVV results or Offline PIN authentication interrupted
		No modulus 10 check
		Not a valid length for issuer
		Not in positive PIN Verification file
		Separator in wrong position
54	Expired card or expiration date missing		N7	Decline for CVV2 failure
55	PIN incorrect or missing		N7	Decline for CVV2 failure

Category 4: Generic Response Codes

Table 4 – Visa Decline Codes – Category 4

Decline Code	Reason	Decline Code	Reason
01	Refer to card issuer	76	Unsolicited reversal—reversal with no original transaction in history. V.I.P. unable to match reversal request to an original message
02	Refer to card issuer, special condition	79	Reversed (by switch)
05	Do not honor	80	No financial impact (used in reversal responses to declined originals)
06	Error	81	Cryptographic error found in PIN (used for cryptographic error condition found by security module during PIN decryption)
13	Either: Invalid amount or Currency conversion field overflow	92	Financial institution or intermediate network facility cannot be found for routing (receiving institution ID invalid)
21	No action taken	94	Duplicate Transaction: A transaction was submitted that contains values in the tracing data fields that duplicate the values in a previously submitted transaction.
25	Unable to locate record in file	B1	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)
28	File is temporarily unavailable for update or inquiry	N0	Force STIP. Issuers can respond with this, which routes transaction to STIP. Issuers use code when they cannot perform authorization but want STIP to perform it.
39	No credit account	N8	Transaction amount exceeds pre-authorized approval amount
52	No checking account	P5	Denied PIN unblock—PIN change or unblock request declined by issuer
53	No savings account	P6	Denied PIN change—requested PIN unsafe
58	Transaction not allowed at terminal	Q1	Card authentication failed or Offline PIN authentication interrupted
63	Security violation (source not correct issuer)	R2	Transaction does not qualify for Visa PIN
64	Transaction does not fulfill AML requirement	Z3	Unable to go online; offline-declined
74	Different value than that used for PIN encryption errors	6P	Verification Data Failed

Visa System Integrity Fees

Update : Visa has temporarily removed Category 1 Decline Code 57 from the Never Approve Reattempt (Table 3). Instead, it is now being billed under Excess Reattempts (Table 2).

To know more about Category 1 Decline Code 57, please refer to Table 1 of the Visa System Integrity Program article.

Update: The Data Consistency Fees in Table 4 will be deferred indefinitely.

April 2021 – Data Quality Fees in Puerto Rico and U.S. Virgin Islands

Data Quality Fees will be assessed for any Category 3 declines received beyond the 10,000-count threshold in a 30-day period.

Table 1 – Data Quality

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Data Quality	Domestic	April 2021	June 2021	$0.10 USD
VI IntlSIF-Data Quality	Cross-Border	April 2021	June 2021	$0.25 USD

April 2021 – Excess Reattempts in Puerto Rico and U.S. Virgin Islands

After an authorization is declined with Category 2, Category 3, or Category 4 response codes, 15 reattempted authorizations are allowed within a rolling 30-day period. Excessive re-authorization is defined as attempt number 16 and over, after an initial decline. Fees will be assessed for each reattempted excessive authorization.

Table 2 – Excessive Reattempt Fees

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Excessive Auth	Domestic	April 2021	June 2021	$0.10 USD
VI IntlSIF-Excessive Auth	Cross-Border	April 2021	June 2021	$0.25 USD

April 2021 – Never Approve Reattempts System in Puerto Rico and U.S. Virgin Islands

Never Approve Reattempts Fees will be assessed for any attempt to authorize a transaction that previously (within a rolling 30 days) received a Category 1 decline response.

Table 3 – Category 1 – Never Approve Reattempt Fees

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Never Approve	Domestic	April 2021	June 2021	$0.10 USD
VI IntlSIF-Never Approve	Cross-Border	April 2021	June 2021	$0.25 USD

October 2021 – Data Consistency in Puerto Rico and U.S. Virgin Islands

Data Consistency Fees will be assessed for any declined (and subsequently approved or declined) authorizations where data elements have been changed from the initial authorization decline, in an effort to receive an approved authorization response.

Table 4 – Data Consistency Fees

Fee Name	Area of Event	Effective Date	First Billing	Rate
VI SIF-Data Consistency	Domestic	October 2021	December 2021	$0.10 USD
VI IntlSIF-DataConsistency	Cross-Border	October 2021	December 2021	$0.25 USD

Debit Networks

February 2023 – CULIANCE Network Annual Location and Debit Network Fees

On February 1, 2023, CULIANCE Network will revise their annual location fee and debit network fees, as seen in the table below.

Table – Debit Network Fees¹

Fee Name	Current Fee	New Fee
Debit Network Switch Fee	$0.030	$0.035
Debit Network Pre-Auth Switch Fee	$0.030	$0.035
Debit Network Pre-Auth Completion Switch Fee	$0.030	$0.035

1. These include POS, on-demand, and e-commerce transactions.

Published January 13, 2023

December 2022 – CULIANCE^® Merchant Location Participation Fee

CULIANCE implemented a $16.00 annual Merchant Location Fee. This fee applies to direct POS processors that support merchant locations capable of acquiring CULIANCE PIN and PINless POS transactions. You will see the first billing of this fee in your December 2022 invoice and succeeding charges every September.

Published December 21, 2022

January 2023 – ACCEL Updated Network Fee Schedule

On January 20, 2023, Accel will update their network fee schedule for PIN POS (point-of-sale) and bill payment transactions as shown below.

Table 1 – Accel Exempt Standard Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel/Exchange Group 1 Standard Bill Pay Utility	$0.64	$0.65
Accel/Exchange Group 2 Standard Bill Pay Utility	$0.64	$0.65
Accel/Exchange Group 3 Standard Bill Pay Utility	$0.64	$0.65
Accel/Exchange Group 1 Standard Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel/Exchange Group 2 Standard Bill Pay Telecom	0.65% + $0.12	1.65% + $0.15
Accel/Exchange Group 3 Standard Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel/Exchange Group 1 Standard Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel/Exchange Group 2 Standard Bill Pay	0.60% + $0.12	0.80% + $0.25
Accel/Exchange Group 3 Standard Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel/Exchange Group 1 Standard Bill Pay Max	$1.50	$2.00
Accel/Exchange Group 2 Standard Bill Pay Max	$1.50	$2.00
Accel/Exchange Group 3 Standard Bill Pay Max	$1.50	$2.00
Accel/Exchange Group 1 Standard Bill Pay Telecom Max	$1.75	$2.00
Accel/Exchange Group 2 Standard Bill Pay Telecom Max	$1.75	$2.00
Accel/Exchange Group 3 Standard Bill Pay Telecom	$1.75	$2.00

Table 2 – Accel Exempt Member Advantage Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel Advantage Group 1 Bill Pay Utility	$0.64	$0.65
Accel Advantage Group 2 Bill Pay Utility	$0.64	$0.65
Accel Advantage Group 3 Bill Pay Utility	$0.70	$0.65
Accel Advantage Group 1 Bill Pay Telecom	0.65% + $0.13	0.65% + $0.15
Accel Advantage Group 2 Bill Pay Telecom	0.65% + $0.13	1.65% + $0.15
Accel Advantage Group 3 Bill Pay Telecom	1.10% + $0.04	0.65% + $0.15
Accel Advantage Group 1 Bill Pay	0.65% + $0.14	0.65% + $0.15
Accel Advantage Group 2 Bill Pay	0.65% + $0.14	0.80% + $0.25
Accel Advantage Group 3 Bill Pay	1.10% + $0.04	0.65% + $0.15
Accel Advantage Group 1 Bill Pay Max	$2.00	$2.00
Accel Advantage Group 2 Bill Pay Max	$2.00	$2.00
Accel Advantage Group 3 Bill Pay Max	-	$2.00
Accel Advantage Group 1 Bill Pay Telecom Max	$2.00	$2.00
Accel Advantage Group 2 Bill Pay Telecom Max	$2.00	$2.00
Accel Advantage Group 3 Bill Pay Telecom Max	-	$2.00

Table 3 – Accel Exempt Member Advantage Select Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel Group 1 Special Exempt Bill Pay Utility	$0.64	$0.65
Accel Group 2 Special Exempt Bill Pay Utility	$0.64	$0.65
Accel Group 3 Special Exempt Bill Pay Utility	$0.70	$0.65
Accel Group 1 Special Exempt Bill Pay Telecom	0.65% + $0.13	0.65% + $0.15
Accel Group 2 Special Exempt Bill Pay Telecom	0.65% + $0.13	1.65% + $0.15
Accel Group 3 Special Exempt Bill Pay Telecom	1.10% + $0.04	0.65% + $0.15
Accel Group 1 Special Exempt Bill Pay	0.65% + $0.14	0.65% + $0.15
Accel Group 2 Special Exempt Bill Pay	0.65% + $0.14	0.80% + $0.25
Accel Group 3 Special Exempt Bill Pay	1.10% + $0.04	0.65% + $0.15
Accel Group 1 Special Exempt Bill Pay Max	$2.00	$2.00
Accel Group 2 Special Exempt Bill Pay Max	$2.00	$2.00
Accel Group 3 Special Exempt Bill Pay Max	-	$2.00
Accel Group 1 Special Exempt Bill Pay Telecom Max	$2.00	$2.00
Accel Group 2 Special Exempt Bill Pay Telecom Max	$2.00	$2.00
Accel Group 3 Special Exempt Bill Pay Telecom Max	-	$2.00

Table 4 – Accel Assurance Rates for Bill Pay Transactions

Fee Name	Current Rate	New Rate
Accel Assurance Group 1 Bill Pay Utility	$0.64	$0.65
Accel Assurance Group 2 Bill Pay Utility	$0.64	$0.65
Accel Assurance Group 3 Bill Pay Utility	$0.64	$0.65
Accel Assurance Group 1 Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel Assurance Group 2 Bill Pay Telecom	0.65% + $0.12	1.65% + $0.15
Accel Assurance Group 3 Bill Pay Telecom	0.65% + $0.12	0.65% + $0.15
Accel Assurance Group 1 Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel Assurance Group 2 Bill Pay	0.60% + $0.12	0.80% + $0.25
Accel Assurance Group 3 Bill Pay	0.60% + $0.12	0.65% + $0.15
Accel Assurance Group 1 Bill Pay Telecom Max	$1.75	$2.00
Accel Assurance Group 2 Bill Pay Max	$1.50	$2.00
Accel Assurance Group 3 Bill Pay Max	$1.50	$2.00
Accel Assurance Group 1 Bill Pay Max	$1.50	$2.00
Accel Assurance Group 2 Bill Pay Telecom Max	$1.75	$2.00
Accel Assurance Group 3 Bill Pay Telecom Max	$1.75	$2.00

Table 5 – Accel Not-Exempt Standard and Not-Exempt Member Advantage Rates for PIN-less Transactions

Fee Name	New Rate
Accel PINless Regulated Fraud	0.05% + $0.22
Accel PINless Regulated	0.05% + $0.21

Table 6 – Accel Exempt Standard Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Standard G1 Supermarket	$0.29	$0.40
Accel Standard G2 Supermarket	1.00% + $0.14 (max of $0.33)	$0.40
Accel Standard G3 Supermarket	$0.29	$0.40
Accel Standard G1 Small Ticket Supermarket	1.00% + $0.06	$0.40
Accel Standard G2 Supermarket - Small Ticket	1.00% + $0.06	$0.40
Accel Standard G3 Supermarket - Small Ticket	1.00% + $0.06	$0.40
Accel Standard G1 Petrol	0.80% + $0.15 (max of $0.95)	0.80% + $0.20
Accel Standard G2 Petrol	0.75% + $0.14 (max of $0.95)	0.80% + $0.20
Accel Standard G3 Petrol	0.80% + $0.15 (max of $0.95)	0.80% + $0.20
Accel Standard G1 Small Ticket Petrol	1.00% + $0.06	0.80% + $0.20
Accel Standard G2 Petrol - Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Standard G3 Petrol - Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel/Exchange Tier 1 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Tier 2 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Tier 3 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Tier 4 QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 1 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 2 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 3 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 2 Tier 4 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 1 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 2 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 3 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Tier 4 Standard QSR	1.00% + $0.06	1.00% + $0.06
Accel Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel/Exchange Group 3 Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Standard G1 Retail	0.80% + $0.14	0.90% + $0.30
Accel Standard G2 Retail	0.85% + $0.14	0.90% + $0.30
Accel Standard G3 Retail	0.80% + $0.14	0.90% + $0.30
Accel Standard G1 Retail Small Ticket	1.00% + $0.06	0.90% + $0.30
Accel Standard G2 Retail Small Ticket	1.00% + $0.06	0.90% + $0.30
Accel Standard G3 Retail Small Ticket	1.00% + $0.06	0.90% + $0.30

Table 7 – Accel Exempt Member Advantage Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Advantage G1 Supermarket	$0.29	$0.40
Accel Advantage G2 Supermarket	$0.33	$0.40
Accel Advantage G3 Supermarket	1.10% + $0.115	$0.40
Accel Advantage G1 Supermarket Small Ticket	$0.29	$0.40
Accel Advantage G2 Supermarket Small Ticket	$0.33	$0.40
Accel Advantage G3 Supermarket Small Ticket	1.10% + $0.115	$0.40
Accel Advantage G1 Petrol	0.80% + $0.15	0.80% + $0.20
Accel Advantage G2 Petrol	0.80% + $0.15	0.80% + $0.20
Accel Advantage G3 Petrol	0.76% + $0.115	0.80% + $0.20
Accel Advantage G1 Petrol Small Ticket	1.00% + $0.08	0.80% + $0.20
Accel Advantage G2 Petrol Small Ticket	1.00% + $0.08	0.80% + $0.20
Accel Advantage G3 Petrol Small Ticket	0.76% + $0.115	0.80% + $0.20
Accel Advantage QSR	1.00% + $0.08	1.00% + $0.08
Accel Advantage Group 2 Tier 4 QSR	1.00% + $0.11	1.00% + $0.11
Accel Advantage Group 3 Tier 1	1.10% + $0.115	1.10% + $0.115
Accel Advantage Group 3 Tier 2	1.10% + $0.115	1.10% + $0.115
Accel Advantage Group 3 Tier 3	1.10% + $0.115	1.10% + $0.115
Accel Advantage Group 3 Tier 4	1.10% + $0.115	1.10% + $0.115
Accel Advantage Small Ticket	1.00% +$0.08	1.00% +$0.08
Accel Advantage Group 3 Small Ticket	1.10% + $0.115	1.10% + $0.115
Accel Advantage G1 Retail	0.90% + $0.225	0.90% + $0.30
Accel Advantage G2 Retail	0.90% + $0.225	0.90% + $0.30
Accel Advantage G3 Retail	1.10% + $0.115	0.90% + $0.30
Accel Advantage G1 Retail Small Ticket	1.00% + $0.08	0.90% + $0.30
Accel Advantage G2 Retail Small Ticket	1.00% + $0.08	0.90% + $0.30
Accel Advantage G3 Retail Small Ticket	1.10% + $0.115	0.90% + $0.30

Table 8 – Accel Exempt Member Advantage Select Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Adv Select G1 Supermarket	$0.29	1.45% + $0.45
Accel Adv Select G2 Supermarket	$0.33	1.45% + $0.45
Accel Adv Select G3 Supermarket	1.10% + $0.115	1.45% + $0.45
Accel Adv Select G1 Supermarket Small Ticket	$0.29	1.45% + $0.45
Accel Adv Select G2 Supermarket Small Ticket	$0.33	1.45% + $0.45
Accel Adv Select G3 Supermarket Small Ticket	1.10% + $0.115	1.45% + $0.45
Accel Adv Select G1 Petrol	0.80% + $0.15	1.45% + $0.45
Accel Adv Select G2 Petrol	0.08% + $0.15	1.45% + $0.45
Accel Adv Select G3 Petrol	0.76% + $0.115	1.45% + $0.45
Accel Adv Select G1 Petrol Small Ticket	1.00% + $0.08	1.45% + $0.45
Accel Adv Select G2 Petrol Small Ticket	0.80% + $0.15	1.45% + $0.45
Accel Adv Select G3 Petrol Small Ticket	0.76% + $0.115	1.45% + $0.45
Accel Group 1 Tier 4 Special Exempt QSR	1.00% + $0.08	1.00% + $0.08
Accel Group 2 Tier 4 Special Exempt QSR	1.00% + $0.11	1.00% + $0.11
Accel Group 3 Tier 1 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Group 3 Tier 2 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Group 3 Tier 3 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Group 3 Tier 4 Special Exempt	1.10% + $0.115	1.10% + $0.115
Accel Exempt Group 1 Tiers 1,2,3 Small Ticket	1.00% +$0.08	1.00% +$0.08
Accel Group 2 Tier 4 Special Exempt QSR	1.00% + $0.11	1.00% + $0.11
Accel Group 3 Special Exempt Small Ticket	1.10% + $0.115	1.10% + $0.115
Accel Adv Select G1 Retail	0.90% + $0.225	1.45% + $0.45
Accel Adv Select G2 Retail	0.90% + $0.225	1.45% + $0.45
Accel Adv Select G3 Retail	1.10% + $0.115	1.45% + $0.45
Accel Adv Select G1 Retail Small Ticket	1.00% + $0.08	1.45% + $0.45
Accel Adv Select G2 Retail Small Ticket	0.90% +$0.225	1.45% + $0.45
Accel Adv Select G3 Retail Small Ticket	1.10% + $0.115	1.45% + $0.45

Table 9 – Accel Assurance Rates for PIN POS Transactions

Fee Name	Current Rate	New Rate
Accel Assurance G1 Supermarket	$0.29	$0.40
Accel Assurance G2 Supermarket	1.00% + $0.14 (max of $0.33)	$0.40
Accel Assurance G3 Supermarket	$0.29	$0.40
Accel Assurance G1 Supermarket Small Ticket	1.00% + $0.06	$0.40
Accel Assurance G2 Supermarket Small Ticket	1.00% + $0.06	$0.40
Accel Assurance G3 Supermarket Small Ticket	1.00% + $0.06	$0.40
Accel Assurance G1 Petrol	0.80% + $0.15 (Max of $0.95)	0.80% + $0.20
Accel Assurance G2 Petrol	0.75% + $0.14 (max of $0.95)	0.80% + $0.20
Accel Assurance G3 Petrol	0.80% + $0.15 (max of $0.95)	0.80% + $0.20
Accel Assurance G1 Petrol Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Assurance G2 Petrol Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Assurance G3 Petrol Small Ticket	1.00% + $0.06	0.80% + $0.20
Accel Assurance G1 QSR	1.00% + $0.06	1.00% + $0.06
Accel Assurance G2 QSR	1.00% + $0.06	1.00% + $0.06
Accel Assurance Group 3 Tier 4 QSR	1.00% + $0.06	1.00% + $0.06
Accel Assurance G1 QSR Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Assurance G2 QSR Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Assurance Group 3 Small Ticket	1.00% + $0.06	1.00% + $0.06
Accel Assurance G1 Retail	0.80% +$0.14	0.90% +$0.30
Accel Assurance G2 Retail	0.85% + $0.14	0.90% +$0.30
Accel Assurance G3 Retail	0.80% + $0.14	0.90% +$0.30
Accel Assurance G1 Retail Small Ticket	1.00% + $0.06	0.90% +$0.30
Accel Assurance G2 Retail Small Ticket	1.00% + $0.06	0.90% +$0.30
Accel Assurance G3 Retail Small Ticket	1.00% + $0.06	0.90% +$0.30

Table 10 – Accel Not-Exempt Standard and Not-Exempt Member Advantage Rates for PIN-based Transactions

Fee Name	New Rate
Accel Regulated Fraud	0.05% + $0.22
Accel Regulated	0.05% + $0.21

Published December 12, 2022

October 2022 – PULSE^® Representment Step Removal

On October 9, 2022, PULSE will remove the representment step for reason code 4868 card-not-present chargebacks. Merchants that believe there is evidence to rebut the dispute will have the option of pursuing pre-arbitration within 30 days from the date of the chargeback.

Published September 27, 2022

October 2022 – STAR Select Pricing Program

Effective October 14, 2022, STAR will introduce the STAR Select pricing program for qualified STAR issuer members and sponsored organizations determined at the network’s sole discretion. There are no other pricing changes in the STAR Fee schedule beyond those related specifically to the STAR Select pricing program.

The Issuer IGI (Interchange Group Identifier) value D will now qualify for the new STAR Select Program.

Table 1 – STAR Select Pricing for PIN Debit Transactions

STAR Select	Rate	Fixed Fee
Grocery & Wholesale Club Merchant	1.45%	$0.45
Petroleum Merchant	1.45%	$0.45
Medical Merchant	1.45%	$0.45
Restaurant/QSR	1.45%	$0.45
Small Ticket Merchant	1.45%	$0.45
All Other Merchants	1.45%	$0.45

Table 2 – STAR Select Pricing for PINless Debit Transactions

STAR Select	Rate	Fixed Fee
Ecommerce Merchant	1.45%	$0.45
Grocery & Wholesale Club Merchant	1.45%	$0.45
Petroleum Merchant	1.45%	$0.45
Restaurant/QSR	1.45%	$0.45
Small Ticket Merchant	1.45%	$0.45
Bill Payment Merchants	1.45%	$0.45
All Other Merchants	1.45%	$0.45

The transaction refund for STAR Select for PINless debit transactions is $0.04.

Published September 27, 2022

July 2022 - NYCE Enhanced Data File Activity Fee Modification

On July 1, 2022, NYCE will modify its Enhanced Data File Activity Fee. The amount is tiered and based upon the monthly volume of transactions processed by NYCE for each file as outlined below.

Table – NYCE Data File Activity Fee

Monthly Volume	Per Transaction Fee
1 - 1,000,000	$0.0021
1,000,001 - 2,500,000	$0.0019
2,500,001 - 5,000,000	$0.0017
Above 5,000,000	$0.0015

The fee will be assessed against all NYCE PIN and PINless transactions.

Published June 15, 2022

July 2022 – PULSE^® Pricing Changes for PINless Point-of-Sale Debit Transactions

On July 15, 2022, PULSE is implementing new interchange rates for PINless point-of-sale debit transactions conducted with cards that participate in the PULSE PAY^® Limited and PULSE Prepaid issuer as shown in the tables below.

Table 1 – PULSE PAY and PULSE PAY Choice Non-Regulated Express Merchant Interchange Fees

Merchant Category	Fixed Fee	% of Sales	Maximum
Grocery	$0.30	—	NA
Petroleum	$0.15	0.80%	$0.95
Gen. Retail	$0.15	0.80%	No cap
Restaurant	$0.10	1.19%	No cap
Travel/Hotel/Car Rental	$0.10	1.19%	No cap
Passenger Transport	$0.10	1.19%	No cap
E-Commerce Service Industries	$0.15	0.65%	$2.00
Utility	$0.65	—	NA
E-Commerce Basic	$0.15	1.65%	No cap
Hotel/Car Rental (CNP3)	$0.15	1.70%	No cap
Passenger Transport (CNP3)	$0.15	1.70%	No cap
Debt Repayment	$0.15	0.65%	$2.00
Small Ticket (CP4)	$0.04	1.55%	No cap

Table 2 – PULSE PAY Limited and PULSE Prepaid Non-Regulated Express Merchant Interchange Fees

Merchant Category	Fixed Fee	% of Sales	Maximum
Grocery	$0.15	1.15%	$0.35
Petroleum	$0.15	1.15%	$0.95
Gen. Retail	$0.15	1.15%	No cap
Restaurant	$0.15	1.15%	No cap
Travel/Hotel/Car Rental	$0.15	1.15%	No cap
Passenger Transport	$0.15	1.15%	No cap
E-Commerce Service Industries	$0.15	0.65%	$2.00
Utility	$0.65	—	NA
E-Commerce Basic	$0.20	1.75%	No cap
Hotel/Car Rental (CNP3)	$0.20	1.75%	No cap
Passenger Transport (CNP3)	$0.20	1.75%	No cap
Debt Repayment	$0.15	0.65%	$2.00
Small Ticket (CP4)	$0.05	1.60%	No cap

Table 3 – PULSE PAY and PULSE PAY Choice Non-Regulated PINless E-Commerce Interchange

Category	Fixed Fee	% of Sales	Maximum
PINless E-Commerce	$0.15	1.60%	No cap
Pulse PINless Debit E-Commerce Small Ticket < $15 Exempt	$0.15	1.60%	No cap

Table 4 – PULSE PAY Limited and PULSE Prepaid Non-Regulated PINless E-Commerce Interchange Fees

Category	Fixed Fee	% of Sales	Maximum
PINless E-Commerce	$0.20	1.70%	No cap
Pulse PINless Debit E-Commerce Small Ticket < $15 Exempt	$0.20	1.70%	No cap

Table 5 – PULSE PAY and PULSE PAY Choice Non-Regulated PINless Bill Pay Interchange Fees

Category	Fixed Fee	% of Sales	Maximum
1	$0.60	—	NA
2	$0.12	1.59%	No cap
3	$0.13	0.65%	$2.00

Table 6 – PULSE PAY Limited and PULSE Prepaid Non-Regulated PINless Bill Pay Interchange Fees

Category	Fixed Fee	% of Sales	Maximum
1	$0.65	—	NA
2	$0.17	1.69%	No cap
3	$0.13	0.65%	$2.00

Published June 15, 2022

May 2022 – PULSE^® Acquirer Switch Fee Price Update

On May 15, 2022, PULSE will adjust its Acquirer Switch Fee for international PIN POS debit transaction pricing as outlined in the table below.

Table – PULSE Acquirer Switch Fee for International PIN POS Debit Transactions

Interchange Name	Current Rate	New Rate
Acquirer Switch Fee	0.95%	1.45%

Published April 14, 2022

For additional Payment Brand related information, please click here.

The information herein includes summaries of select changes, and the changes summarized here are subject to modification by Visa^®, Mastercard^®, American Express^®, and Discover®^® at any time. This document was prepared for informational use only and does not substitute for Visa^®, Mastercard^®, American Express^®, and Discover^® release documentation, or as a substitute for technical/coding specifications. Should there be a conflict between the information contained herein and the actual Visa^®, Mastercard^®, American Express^®, and Discover^® release documentation or technical/coding specifications, the latter will govern. To ensure you are aware of all requirements applicable to you, the merchant, review all documentation in its entirety. Information in this document has been obtained from sources believed to be reliable, but neither J.P. Morgan nor any of its affiliates warrant the completeness or accuracy of the information contained herein. If you have franchisees or sub-merchants, they may not be receiving payment brand updates from us. You are responsible for communicating these financial impacts and process changes to your franchisees or sub-merchants.

Payment Brand Changes

U.S. Edition

Visa® Interchange Updates

January 2023 – Visa Flexible Credential Prepaid Consumer Product

October 2022 – New Flexible Rate B2B Virtual Program Products

April 2022 – New Interchange Programs and Rates for Small Merchants

April 2022 – Updated Interchange Fee for Specific Merchant Segments

April 2022 – Interchange Rate Updates for Consumer Credit Fee Programs

April 2022 – Retail Key Entry Interchange Program Update

Visa® Fee Changes

April 2023 – Updated Consumer Credit Interchange Rate Names for Visa Signature and Visa Infinite Products NEW

April 2023 – MSD Contactless Fee NEW

April 2023 – Flexible Credential Launches in the United KingdomNEW

April 2023 – New CVV2 Fee NEW

April 2023 – New Fee for Estimated and Incremental Authorizations

April 2023 – Updates to GSA Corporate T&E Healthcare-Related Credit Card Transactions

January 2023 – Updates to the Visa Interregional Acquiring Fee

October 2022 – B2B Virtual Payments Program Updates

October 2022 – New Non-Domestic Currency Settlement Fee

May 2022 – Updated Transaction and Authorization Limits and Fraud Liability for AFD Transactions

April 2022 – Changes to the Visa Utility Fee Program

April 2022 – Address Verification Service Fee

Visa System Integrity Fees

Visa System Integrity Program

October 2021 – Visa Stop Payment Service

July 2021 – Visa Processing Integrity: Zero Floor Limit & Misuse of Authorization Fees

Mastercard® Interchange Updates

Mastercard® Installments Program

April 2022 – Updated Consumer Interregional Interchange Rate Codes

April 2022 – Interchange Program and Rate Updates

Mastercard® Fee Changes

October 2022 – Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program

April 2022 – Reduction on Reporting and Infrastructure Fee

April 2022 – Digital Enablement Fee Expansion

April 2022 – Decline Reason Code Service Pricing for Card-Not-Present Transactions (US)

February 2022 – Credential Fee Updates

November 2021 – Transaction Processing Excellence Fee for Card-Not-Present Transactions

American Express® Interchange Updates

October 2022 – OptBlue Credit and Debit Program Pricing

April 2022 – OptBlue Debit Interchange Fee Updates

April 2022 – OptBlue Pricing and Program Updates

American Express® Fee Changes

October 2022 – OptBlue Program Continuation Fees

April 2022 – OptBlue Transaction and Assessment Fees

Discover® Interchange Updates

October 2022 – Introduction of Commercial B2B Interchange and Adjustment Voucher Programs

October 2022 – New Public Services Interchange Programs

April 2022 – Updated Interchange Rates and Fees

April 2022 – Revised MCC for Recurring Payments Interchange Program

April 2022 – New Charity Consumer Interchange Program

Discover® Fee Changes

April 2022 – Update to Acquirer Fees

April 2022 – Updated Assessment Fee

Updates for U.S. Territories

April 2023 – U.K. Flexible Credential Rates in U.S. Territories NEW

April 2023 – New Fee for Estimated and Incremental Authorizations in the U.S. Territories

February 2023 – Mastercard Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program in Puerto Rico and U.S. Virgin Islands

January 2023 – Introduction of Visa Flexible Credential Prepaid Consumer Product in the U.S. Territories

January 2023 – Mastercard Transaction Processing Excellence Fee for Card-Not-Present Transactions for US Territories

November 2022 – Mastercard Revised Excessive Authorization Attempts Transaction Processing Excellence (TPE) Program in Guam

October 2022 – New Flexible Rate B2B Virtual Program Products in U.S. Territories

B2B Virtual Payments Program Updates in the U.S. Territories

October 2022 – Introduction of Commercial B2B Interchange and Adjustment Voucher Programs in Puerto Rico, U.S. Virgin Islands, and Guam

October 2022 – New Public Services Interchange Programs in U.S. Territories

October 2022 – Discover® New Charity Consumer Interchange Program in U.S. Territories

October 2022 – New Non-Domestic Currency Settlement Fee for the U.S. Territories

May 2022 – PULSE® Acquirer Switch Fee Price Update for Puerto Rico

April 2022 – Visa Processing Pricing Changes in US Territories

April 2022 – New Visa Secure Credential Framework Fee for Non-Tokenized Transactions in U.S. Virgin Islands

April 2022 – Discover Updated Interchange Rates and Fees for US Territories

April 2022 – Discover Updated Assessment Fee

April 2022 – Visa Interchange Rates for Non-Tokenized Card Not Present (CNP) Transactions in Guam

April 2022 – Mastercard Updated Consumer Interregional Interchange Rate Codes for U.S. Territories

April 2022 – Decline Reason Code Service Pricing for Card-Not-Present Transactions (LAC)

February 2022 – Visa Stop Payment Service in Guam, Puerto Rico and US Virgin Islands

Visa System Integrity Program

Visa System Integrity Fees

Debit Networks

February 2023 – CULIANCE Network Annual Location and Debit Network Fees

December 2022 – CULIANCE® Merchant Location Participation Fee

Visa^® Interchange Updates

Visa^® Fee Changes

April 2023 – Updated Consumer Credit Interchange Rate Names for Visa Signature and Visa Infinite Products

April 2023 – MSD Contactless Fee

April 2023 – Flexible Credential Launches in the United Kingdom

April 2023 – New CVV2 Fee

Mastercard^® Interchange Updates

Mastercard^® Installments Program

Mastercard^® Fee Changes

American Express^® Interchange Updates

American Express^® Fee Changes

Discover^® Interchange Updates

Discover^® Fee Changes

April 2023 – U.K. Flexible Credential Rates in U.S. Territories

October 2022 – Discover^® New Charity Consumer Interchange Program in U.S. Territories

May 2022 – PULSE^® Acquirer Switch Fee Price Update for Puerto Rico

December 2022 – CULIANCE^® Merchant Location Participation Fee

October 2022 – PULSE^® Representment Step Removal

July 2022 – PULSE^® Pricing Changes for PINless Point-of-Sale Debit Transactions

May 2022 – PULSE^® Acquirer Switch Fee Price Update