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%
Bancontact Consumer Prepaid and Debit Card 0.20%, cap € 0.05 cap € 0.014
Bancontact Commercial Card 0.20%, cap € 0.05 cap € 0.014
TWINT3 0.89% € 0.03
AMEX Consumer Prepaid and Debit Card2 From 1.20%
to 2.10%
From 1.20%
to 2.10%
AMEX Consumer Credit Cards2 From 1.20%
to 2.10%
From 1.20%
to 2.10%
AMEX Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10%
From 1.20%
to 2.10%
AMEX 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%
UPI Consumer Prepaid and Debit Card From 0.20%
to 0.50%
0.1085%
UPI Consumer Credit Cards From 0.30%
to 0.40%
0.1085%
UPI Commercial Prepaid and Debit Cards 0.43% | € 0.06 0.1085%
UPI 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%
Bancontact Consumer Prepaid and Debit Card 0.20%, cap € 0.05 cap € 0.014
Bancontact Commercial Card 0.20%, cap € 0.05 cap € 0.014
AMEX Consumer Prepaid and Debit Card2 From 1.20%
to 2.10%
From 1.20%
to 2.10%
AMEX Consumer Credit Cards2 From 1.20%
to 2.10%
From 1.20%
to 2.10%
AMEX Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10%
From 1.20%
to 2.10%
AMEX 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%
UPI Consumer Prepaid and Debit Card From 0.20%
to 0.50%
0.1085%
UPI Consumer Credit Cards From 0.30%
to 0.50%
0.1085%
UPI Commercial Prepaid and Debit Cards From € 0.06
to 0.31%
0.1085%
UPI 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