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Interchange and Scheme Fees

Interchange on consumer cards issued within the EEA and used at EEA based merchants is currently capped at 0.20% for Debit and 0.30% for Credit. As the UK is no longer a member of the EEA, a transaction can be subject to an interchange cap of £1.50 per transaction on their UK Domestic Mastercard Non-Consumer Debit Interchange if the merchant qualifies for the UK Domestic Government & Personal Payments Program (Merchant Category Code 9399).

Card-Present

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card From 0.20% | € 0.05
to 0.20% | € 0.56 		From 0.0709% | € 0.048225
to 0.1175% | € 0.048225
Visa Domestic Consumer Credit Cards From 0.30%
to 0.43% 		From 0.0835%
to 0.1175%
Visa Domestic Commercial Prepaid and Debit Cards From € 0.05
to 0.30% + € 0.06 | € 0.56 		From 0.0835%
to 0.1175%
Visa Domestic Commercial Credit Cards From 0.43%
to 1.70% 		From 0.0835%
to 0.1175%
Visa EEA Consumer Prepaid and Debit Card From 0.20%
to 0.60% 		From 0.2056%
to 0.4777%
Visa EEA Consumer Credit Card From 0.30%
to 0.65% 		From 0.2056%
to 0.4777%
Visa EEA Commercial Prepaid and Debit Cards 1.60% From 0.2056%
to 0.4777%
Visa EEA Commercial Credit Cards 1.60% From 0.2056%
to 0.4777%
Visa UK Consumer Prepaid and Debit Card1 0.20% From 0.2056%
to 0.4777%
Visa UK Consumer Credit Cards1 0.30% From 0.2056%
to 0.4777%
Visa UK Commercial Prepaid and Debit Cards1 1.60% From 0.2056%
to 0.4777%
Visa UK Commercial Credit Cards1 1.60% From 0.2056%
to 0.4777%
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 1.20% From 0.6363%
to 0.7474%
Visa Non - EEA Consumer Credit Cards 1.20% From 0.6363%
to 0.7474%
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.6363%
to 0.7474%
Visa Non - EEA Commercial Credit Cards 2.00% From 0.6363%
to 0.7474%
Mastercard Domestic Consumer Prepaid and Debit Card From 0.20% | € 0.02
to 0.20% | € 0.20 		From 0.1156% | € 0.02708
to 0.1970% | € 0.02708
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.44% 		From 0.1291%
to 0.1970%
Mastercard Domestic Commercial Prepaid and Debit Cards From 1.50% | € 0.02
to 1.50% | € 0.20 		From 0.1156% | € 0.02708
to 0.1970% | € 0.02708
Mastercard Domestic Commercial Credit Cards From 0.44%
to 1.50% 		From 0.1291%
to 0.1970%
Mastercard EEA Consumer Prepaid and Debit Card From 0.20%
to 0.59% 		From 0.1209%
to 0.3021%
Mastercard EEA Consumer Credit Card From 0.30%
to 0.59% 		From 0.1520%
to 0.3021%
Mastercard EEA Commercial Prepaid and Debit Cards From 1.25%
to 1.50% 		From 0.1209%
to 0.3021%
Mastercard EEA Commercial Credit Cards From 1.25%
to 1.50% 		From 0.1520%
to 0.3021%
Mastercard UK Consumer Prepaid and Debit Card1 0.20% From 0.1209%
to 0.3021%
Mastercard UK Consumer Credit Cards1 0.30% From 0.1520%
to 0.3021%
Mastercard UK Commercial Prepaid and Debit Cards1 1.25% From 0.1209%
to 0.3021%
Mastercard UK Commercial Credit Cards1 1.25% From 0.1520%
to 0.3021%
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.60% | 1.60% From 0.1209%
to 0.6923%
Mastercard Non - EEA Consumer Credit Cards 1.60% From 0.2186%
to 0.6923%
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.1209%
to 0.6923%
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.2186%
to 0.6923%
TWINT3 0.89% € 0.03
American Express Consumer Prepaid and Debit Card2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Consumer Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
JCB Consumer Prepaid and Debit Card 0.20% 0.0543%
JCB Consumer Credit Cards 0.30% 0.0543%
JCB Commercial Prepaid and Debit Cards 0.20% 0.0543%
JCB Commercial Credit Cards 0.30% 0.0543%
UnionPay International Consumer Prepaid and Debit Card From 0.20%
to 0.50% 		0.1085%
UnionPay International Consumer Credit Cards From 0.30%
to 0.40% 		0.1085%
UnionPay International Commercial Prepaid and Debit Cards 0.43% | € 0.06 0.1085%
UnionPay International Commercial Credit Cards From 0.43%
to 1.50% 		0.1085%
  • 1 Interchange and Scheme fees for transactions with cards issued in the UK and used at Switzerland based merchants
  • 2 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion
  • 3 TWINT is available for Card-present transactions in CHF currency to merchants based in Switzerland only

Further Information from the Card Schemes on Interchange below:

Card-not-Present

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.29% 		From 0.0969% | € 0.063325
to 0.1269% | € 0.063325
Visa Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.1221%
to 0.1269%
Visa Domestic Commercial Prepaid and Debit Cards From 0.29%
to 0.30% + € 0.06 		From 0.1221%
to 0.1269%
Visa Domestic Commercial Credit Cards From 0.35%
to 1.70% 		From 0.1221%
to 0.1269%
Visa EEA Consumer Prepaid and Debit Card From 1.04%
to 1.15% 		From 0.3518%
to 0.6006%
Visa EEA Consumer Credit Card From 1.09%
to 1.50% 		From 0.3584%
to 0.6006%
Visa EEA Commercial Prepaid and Debit Cards 1.60% From 0.3584%
to 0.6006%
Visa EEA Commercial Credit Cards 1.60% From 0.3584%
to 0.6006%
Visa UK Consumer Prepaid and Debit Card1 1.15% From 0.3518%
to 0.6006%
Visa UK Consumer Credit Cards1 1.50% From 0.3584%
to 0.6006%
Visa UK Commercial Prepaid and Debit Cards1 1.60% From 0.3584%
to 0.6006%
Visa UK Commercial Credit Cards1 1.60% From 0.3584%
to 0.6006%
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 1.44% From 1.1613%
to 1.1707%
Visa Non - EEA Consumer Credit Cards 1.44% From 1.1613%
to 1.1707%
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.1613%
to 1.1707%
Visa Non - EEA Commercial Credit Cards 2.00% From 1.1613%
to 1.1707%
Mastercard Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.31% 		From 0.1281% | € 0.027155
to 0.2888% | € 0.027155
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.1817%
to 0.2888%
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.31%
to 0.95% 		From 0.1281% | € 0.027155
to 0.2888% | € 0.027155
Mastercard Domestic Commercial Credit Cards From 0.35%
to 1.75% 		From 0.1817%
to 0.2888%
Mastercard EEA Consumer Prepaid and Debit Card From 0.20%
to 1.19% 		From 0.1454%
to 0.2678%
Mastercard EEA Consumer Credit Card From 0.30%
to 1.19% 		From 0.1955%
to 0.2678%
Mastercard EEA Commercial Prepaid and Debit Cards From 1.35%
to 1.75% 		From 0.1454%
to 0.2678%
Mastercard EEA Commercial Credit Cards From 1.35%
to 1.75% 		From 0.1955%
to 0.2678%
Mastercard UK Consumer Prepaid and Debit Card1 1.15% From 0.1454%
to 0.2678%
Mastercard UK Consumer Credit Cards1 1.50% From 0.1955%
to 0.2678%
Mastercard UK Commercial Prepaid and Debit Cards1 1.35% From 0.1454%
to 0.2678%
Mastercard UK Commercial Credit Cards1 1.35% From 0.1955%
to 0.2678%
Mastercard Non - EEA Consumer Prepaid and Debit Card 0.90% + € 0.24 | 1.54% From 0.1609%
to 0.8018%
Mastercard Non - EEA Consumer Credit Cards 1.54% From 0.2773%
to 0.8018%
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.1609%
to 0.8018%
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.2773%
to 0.8018%
American Express Consumer Prepaid and Debit Card2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Consumer Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
JCB Consumer Prepaid and Debit Card 1.15% 0.0543%
JCB Consumer Credit Cards 1.50% 0.0543%
JCB Commercial Prepaid and Debit Cards 1.15% 0.0543%
JCB Commercial Credit Cards 1.50% 0.0543%
UnionPay International Consumer Prepaid and Debit Card From 0.20%
to 0.50% 		0.1085%
UnionPay International Consumer Credit Cards From 0.30%
to 0.50% 		0.1085%
UnionPay International Commercial Prepaid and Debit Cards From € 0.06
to 0.31% 		0.1085%
UnionPay International Commercial Credit Cards From 0.31%
to 1.50% 		0.1085%
  • 1 Interchange and Scheme fees for transactions with cards issued in the UK and used at Switzerland based merchants
  • 2 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion

Further Information from the Card Schemes on Interchange below:

2-3