Introduction to the Visa USA Interchange Reimbursement Fees
The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed within the 50 United States and the District of Columbia.
Visa uses interchange reimbursement fees as transfer fees between financial institutions to balance and grow the payment system for the benefit of all participants. Merchants do not pay interchange reimbursement fees; merchants pay “merchant discount” to their financial institution. This is an important distinction, because merchants buy a variety of processing services from financial institutions; all these services may be included in their merchant discount rate, which is typically a percentage rate per transaction.
Visa USA Consumer Check Card Exempt and Regulated Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Card Present Fee Program | Exempt Visa Check Card Card Present Transactions | Regulated Visa Check Card Card Present Transactions |
|---|---|---|
| CPS/Supermarket, Debit | $0.30 | 0.05% + $0.21* |
| CPS/Retail, Debit | 0.80% + $0.15 | 0.05% + $0.21* |
| CPS/Automated Fuel Dispenser (AFD), Debit | 0.80% + $0.15 ($0.95 Cap) | 0.05% + $0.21* |
| CPS/Service Station, Debit | 0.80% + $0.15 ($0.95 Cap) | 0.05% + $0.21* |
| CPS/Small Ticket, Debit | 1.55% + $0.041 | 0.05% + $0.21* |
| CPS/Restaurant, Debit | 1.19% + $0.10 | 0.05% + $0.21* |
| CPS/Hotel and Car Rental Card Present, Debit | 1.19% + $0.10 | 0.05% + $0.21* |
| CPS/Passenger Transport Card Present, Debit | 1.19% + $0.10 | 0.05% + $0.21* |
| Travel Service, Debit | 1.19% + $0.10 | 0.05% + $0.21* |
| CPS/Retail Key Entry, Debit2 | 1.65% + $0.15 | 0.05% + $0.21* |
| CPS/Retail 2 – Card Not Present, Debit | 0.65% + $0.15 ($2.00 Cap) | 0.05% + $0.21* |
| CPS/Debt Repayment 2 CPS/Debt Repayment (No Fee) | 0.65% + $0.15 ($2.00 Cap)
0.65% + $0.15 ($0.65 Cap) |
0.05% + $0.21* |
| CPS/Utility Recurring Bill Payment, Debit | $0.45 | 0.05% + $0.21* |
| CPS/Utility, Debit | $0.65 | 0.05% + $0.21* |
| CPS/Government | 0.65% + $0.15 ($2.00 Cap) | 0.05% + $0.21* |
| Consumer Bill Payment Service Consumer Debit | 1.65% + $0.15 | 0.05% + $0.21* |
| CPS/Card Not Present, Debit | 1.65% + $0.15 | 0.05% + $0.21* |
| CPS/e-Commerce Basic, Debit | 1.65% + $0.15 | 0.05% + $0.21* |
| CPS/e-Commerce Preferred Retail, Debit | 1.60% + $0.15 | 0.05% + $0.21* |
| CPS/e-Commerce Preferred Hotel and Car Rental, Debit | 1.70% + $0.15 | 0.05% + $0.21* |
| CPS/e-Commerce Preferred Passenger Transport, Debit | 1.70% + $0.15 | 0.05% + $0.21* |
| CPS/Hotel and Car Rental Card Not Present, Debit | 1.70% + $0.15 | 0.05% + $0.21* |
| CPS/Passenger Transport Card Not Present, Debit | 1.70% + $0.15 | 0.05% + $0.21* |
| CPS/Account Funding, Debit | 1.75% + $0.20 | 0.05% + $0.21* |
| Electronic Interchange Reimbursement Fee (EIRF), Debit3 | 1.75% + $0.20 | 0.05% + $0.21* |
| Standard Interchange Reimbursement Fee, Debit | 1.90% + $0.25 | 0.05% + $0.21* |
B Visa U.S.A. Consumer Prepaid Exempt & Regulated and Other Exempt Products Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Card Present Transactions Fee Program | EXEMPT Visa Consumer Prepaid and Other Exempt | REGULATED Visa Consumer Prepaid |
|---|---|---|
| CPS/Supermarket, Prepaid | 1.15% + $0.15 ($0.35 Cap) | 0.05% + $0.21* |
| CPS/Retail, Prepaid | 1.15% + $0.15 | 0.05% + $0.21* |
| CPS/Automated Fuel Dispenser (AFD), Prepaid | 1.15% + $0.15 ($0.95 Cap) | 0.05% + $0.21* |
| CPS/Service Station, Prepaid | 1.15% + $0.15 ($0.95 Cap) | 0.05% + $0.21* |
| CPS/Small Ticket, Prepaid | 1.60% + $0.051 | 0.05% + $0.21* |
| CPS/Hotel and Car Rental Card Present, Prepaid | 1.15% + $0.15 | 0.05% + $0.21* |
| CPS/Restaurant, Prepaid | 1.15% + $0.15 | 0.05% + $0.21* |
| CPS/Passenger Transport Card Present, Prepaid | 1.15% + $0.15 | 0.05% + $0.21* |
| Travel Service, Prepaid | 1.15% + $0.15 | 0.05% + $0.21* |
| CPS/Retail Key Entry, Prepaid2 | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/Retail 2 Card Not Present, Prepaid | 0.65% + $0.15 ($2.00 Cap) | 0.05% + $0.21* |
| CPS/Debt Repayment 2 CPS/Debt Repayment (No Fee) | 0.65% + $0.15 ($2.00 Cap)
0.65% + $0.15 ($0.65 Cap) |
0.05% + $0.21* |
| CPS/Utility Recurring Bill Payment, Prepaid | $0.45 | 0.05% + $0.21* |
| CPS/Utility, Prepaid | $0.65 | 0.05% + $0.21* |
| CPS/Government, Prepaid | 0.65% + $0.15 ($2.00 Cap) | 0.05% + $0.21* |
| Consumer Bill Payment Service, Consumer, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/Card Not Present, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/e-Commerce Basic, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/e-Commerce Preferred Retail, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/e-Commerce Preferred Hotel and Car Rental, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/e-Commerce Preferred Passenger Transport, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/Hotel and Car Rental Card Not Present, Prepaid | <p | 0.05% + $0.21* |
| CPS/Passenger Transport, Prepaid | 1.75% + $0.20 | 0.05% + $0.21* |
| CPS/Account Funding, Prepaid | 1.80% + $0.20 | 0.05% + $0.21* |
| Electronic Interchange Reimbursement Fee (EIRF), Prepaid3 | 1.80% + $0.20 | 0.05% + $0.21* |
| Standard Interchange Reimbursement Fee, Prepaid | 1.90% + $0.25 | 0.05% + $0.21* |
C Visa U.S.A. Consumer Credit Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Fee Program | Visa Infinite Spend Qualified | Visa Infinite Spend Not Qualified | Visa Signature Preferred | Visa Signature | Traditional Rewards | All Other Products |
|---|---|---|---|---|---|---|
| Supermarket Credit— Tier* 0 | 1.65% + $0.05 | 1.55% + $0.05 | 1.65% + $0.05 | 1.55% + $0.05 | 1.18% + $0.05 | 1.18% + $0.05 |
| Supermarket Credit— Tier* I | 1.65% + $0.05 | 1.55% + $0.05 | 1.65% + $0.05 | 1.55% + $0.05 | 1.20% + $0.05 | 1.20% + $0.05 |
| Supermarket Credit— Tier* II | 1.65% + $0.05 | 1.55% + $0.05 | 1.65% + $0.05 | 1.55% + $0.05 | 1.22% + $0.05 | 1.22% + $0.05 |
| Supermarket Credit— Tier* III | 1.75% + $0.05 | 1.60% + $0.05 | 1.75% + $0.05 | 1.60% + $0.05 | 1.22% + $0.05 | 1.22% + $0.05 |
| Supermarket Credit— All Other | 2.00% + $0.07 | 1.65% + $0.07 | 2.00% + $0.07 | 1.65% + $0.07 | 1.50% + $0.07 | 1.50% + $0.07 |
| Retail Credit-Performance Threshold* I | 2.30% + $0.10 | 1.90% + $0.10 | 2.10% + $0.10 | 1.65% + $0.10 | 1.43% + $0.10 | 1.43% + $0.10 |
| Retail Credit-Performance Threshold* II | 2.30% + $0.10 | 1.90% + $0.10 | 2.10% + $0.10 | 1.65% + $0.10 | 1.47% + $0.10 | 1.47% + $0.10 |
| Retail Credit-Performance Threshold* III | 2.30% + $0.10 | 1.90% + $0.10 | 2.10% + $0.10 | 1.65% + $0.10 | 1.51% + $0.10 | 1.51% + $0.10 |
| Small Merchant Product 2 | 1.88% + $0.10 | 1.43% + $0.10 | 1.88% + $0.10 | 1.43% + $0.10 | 1.43% + $0.10 | 1.29% + $0.10 |
| Product 2 | 2.30% + $0.10 | 1.90% + $0.10 | 2.10% + $0.10 | 1.65% + $0.10 | 1.65% + $0.10 | 1.51% + $0.10 |
| Small Ticket | 2.20%
(min. $0.04) |
2.20%
(min. $0.04) |
2.20%
(min. $0.04) |
2.20%
(min. $0.04) |
1.90%
(min. $0.04) |
1.90%
(min. $0.04) |
| Small Merchant CPS/Recurring Payments MCCs: 4814 (Telco); 4899
(Cable) |
2.20% + $0.05 | 1.43% + $0.05 | 2.20% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| CPS/Recurring Payments MCCs: 4814 (Telco); 4899
(Cable) |
2.20% + $0.05 | 1.43% + $0.05 | 2.20% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| CPS/Recurring Payments –
Non-Tokenized MCCs: 4814 (Telco); 4899 (Cable) |
2.30% + $0.05 | 1.53% + $0.05 | 2.30% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 |
| Small Merchant Insurance | 2.25% + $0.10 | 1.43% + $0.05 | 2.25% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Insurance2 | 2.25% + $0.10 | 1.43% + $0.05 | 2.25% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Insurance – Non-Tokenized | 2.35% + $0.10 | 1.53% + $0.05 | 2.35% + $0.10 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 |
| Small Merchant Services | 2.30% + $0.10 | 1.85% +$0.10 | 2.30% + $0.10 | 1.85% +$0.10 | 1.70% +$0.10 | 1.55% + $0.10 |
| Services2
applies to transactions >=$100 |
2.30% + $0.10 | 1.85% +$0.10 | 2.30% + $0.10 | 1.85% +$0.10 | 1.70% +$0.10 | 1.55% + $0.10 |
| Services – Non-Tokenized
applies to transactions >=$100 |
2.40% + $0.10 | 1.95% + $0.10 | 2.40% + $0.10 | 1.95% + $0.10 | 1.80% + $0.10 | 1.65% + $0.10 |
| Small Merchant Education | 2.15% + $0.10 | 1.43% + $0.05 | 2.15% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Education2
applies to transactions >=$500 |
2.15% + $0.10 | 1.43% + $0.05 | 2.15% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Education – Non-Tokenized
applies to transactions >=$500 |
2.25% + $0.10 | 1.53% + $0.05 | 2.25% + $0.10 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 |
| Small Merchant Healthcare | 2.30% + $0.10 | 1.43% + $0.05 | 2.30% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Healthcare2
applies to transactions >=$500 |
2.30% + $0.10 | 1.43% + $0.05 | 2.30% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Healthcare – Non-
Tokenized applies to transactions >=$500 |
2.40% + $0.10 | 1.53% + $0.05 | 2.40% + $0.10 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 |
| Small Merchant Real Estate | 2.15% + $0.10 | 1.43% + $0.05 | 2.15% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Real Estate2
applies to transactions >=$500 |
2.15% + $0.10 | 1.43% + $0.05 | 2.15% + $0.10 | 1.43% + $0.05 | 1.43% + $0.05 | 1.43% + $0.05 |
| Real Estate – Non-
Tokenized applies to transactions >=$500 |
2.25% + $0.10 | 1.53% + $0.05 | 2.25% + $0.10 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 |
| Small Merchant Advertising | 2.30% + $0.10 | 1.75% + $0.10 | 2.30% + $0.10 | 1.75% + $0.10 | 1.70% + $0.10 | 1.55% + $0.10 |
| Advertising2 | 2.30% + $0.10 | 1.75% + $0.10 | 2.30% + $0.10 | 1.75% + $0.10 | 1.70% + $0.10 | 1.55% + $0.10 |
| Advertising – Non-Tokenized | 2.40% + $0.10 | 1.85% + $0.10 | 2.40% + $0.10 | 1.85% + $0.10 | 1.80% + $0.10 | 1.65% + $0.10 |
| CPS/Charity and Religious Organizations | 1.35% + $0.05 | 1.35% + $0.05 | 1.35% + $0.05 | 1.35% + $0.05 | 1.35% + $0.05 | 1.35% + $0.05 |
| CPS/Government | 1.55% + $0.10 | 1.55% + $0.10 | 1.55% + $0.10 | 1.55% + $0.10 | 1.55% + $0.10 | 1.55% + $0.10 |
| Fuel | 1.15% + $0.25 ($1.10 Cap) | 1.15% + $0.25 ($1.10 Cap) | 1.15% + $0.25 ($1.10 Cap) | 1.15% + $0.25 ($1.10 Cap) | 1.15% + $0.25 ($1.10 Cap) | 1.15% + $0.25 ($1.10 Cap) |
| Service Station and Government Small Ticket | na | 1.65% + $0.04 | na | 1.65% + $0.04 | 1.65% + $0.04 | 1.65% + $0.04 |
| CPS/Utility | $0.75 | $0.75 | $0.75 | $0.75 | $0.75 | $0.75 |
| Travel | 2.55% + $0.10 | 2.25%+$0.10 | 2.40% + $0.10 | 2.25%+$0.10 | 1.95% + $0.10 | 1.75% + $0.10 |
| Small Merchant Taxi | 2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.10%
(min. $0.04) |
2.10%
(min. $0.04) |
| Taxi 2** | 2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.10%
(min. $0.04) |
2.10%
(min. $0.04) |
| Taxi 1 | 2.70%
(min. $0.08) |
2.70%
(min. $0.08) |
2.70%
(min. $0.08) |
2.70%
(min. $0.08) |
2.20%
(min. $0.08) |
2.20%
(min. $0.08) |
| Small Merchant Restaurant | 2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.10%
(min. $0.04) |
2.10%
(min. $0.04) |
| Restaurant 2*** | 2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.60%
(min. $0.04) |
2.10%
(min. $0.04) |
2.10%
(min. $0.04) |
| Restaurant 1 | 2.70%
(min. $0.08) |
2.70%
(min. $0.08) |
2.70%
(min. $0.08) |
2.70%
(min. $0.08) |
2.20%
(min. $0.08) |
2.20%
(min. $0.08) |
| Small Merchant Product 1 | 2.18% + $0.10 | 1.73% + $0.10 | 2.18% + $0.10 | 1.73% + $0.10 | 1.73% + $0.10 | 1.58% + $0.10 |
| Product 1 Tokenized | 2.50% + $0.10 | 2.10% + $0.10 | 2.40% + $0.10 | 1.95% + $0.10 | 1.95% + $0.10 | 1.80% + $0.10 |
| Product 1 | 2.60% + $0.10 | 2.20% + $0.10 | 2.50% + $0.10 | 2.05% + $0.10 | 2.04% + $0.10 | 1.89% + $0.10 |
| Consumer Bill Payment Service, Consumer Credit | 2.60% + $0.10 | 2.20% + $0.10 | 2.50% + $0.10 | 2.05% + $0.10 | 2.04% + $0.10 | 1.89% + $0.10 |
| Non-Qualified Consumer Credit | 3.15% + $0.101 | 3.15% + $0.101 | 3.15% + $0.101 | 3.15% + $0.101 | 3.15% + $0.101 | 3.15% + $0.101 |
D Visa U.S.A. Credit Performance Threshold Criteria For Retail, Supermarket, and Small Merchant Categories
Effective April 15, 2023, based on 12 months of activity ending September 30, 2022
| Retail Performance Thresholds | Transaction Minimum | Volume Minimum | Maximum Dispute Financials Ratio* | PCI
Compliance |
|---|---|---|---|---|
| Threshold I | 118.7 million | $8.21 billion | 0.020% | |
| Threshold II | 76.7 million | $4.39 billion | 0.020% | |
| Threshold III | 17.1 million | $995 million | 0.020% | |
| Tier 0 | 416.5 million | $22.05 billion | 0.020% | |
| Tier I | 149.0 million | $11.98 billion | 0.020% | |
| Tier II | 81.5 million | $4.73 billion | 0.020% | |
| Tier III | 18.6 million | $1.07 billion | 0.020% | |
| Small Merchant Category | Volume Maximum |
|---|---|
| Gross Visa Consumer Credit Sales ** | $280,000 |
E Visa U.S.A. Corporate and Purchasing Interchange Fees
Rates Effective October 14, 2023
| Fee Program | Purchasing* & Corporate T&E |
|---|---|
| Commercial Level III | 1.90% + $0.10 |
| Commercial Level II – Fuel | 2.20% + $0.10 |
| Commercial Level II | 2.50% + $0.10 |
| Commercial Card Present | 2.50% + $0.10 |
| Commercial Travel Service | 2.65% + $0.10 |
| Commercial Card Not Present | 2.70% + $0.10 |
| Consumer Bill Payment Service, Commercial | 2.70% + $0.10 |
| Non-Qualified | 2.95% + $0.10 |
| Non-Qualified with Data | 2.95% + $0.10 |
| Commercial Product Large Ticket | 1.45% + $35.00 |
| Fee Program | Purchasing Only |
|---|---|
| Government-to-Government (G2G) | 1.65% + $0.10 |
| GSA Large Ticket | 1.20% + $39.00 |
| Straight Through Processing (STP) Fee Program | Applicable Interchange Rate |
|---|---|
| Tier 1 – Less than $7,000 | 2.00% + $0.10 |
| Tier 2 – $7,000 – $14,999.99 | 1.30% + $35.00 |
| Tier 3 – $15,000 – $49,999.99 | 1.10% + $35.00 |
| Tier 4 – $50,000 – $99,999.99 | 0.95% + $35.00 |
| Tier 5 – $100,000 and greater | 0.80% + $35.00 |
| Visa Large Purchase Advantage Fee Program | Applicable Interchange Rate |
|---|---|
| Card Present: All Ticket Sizes | Visa Purchasing card rates apply |
| Card Not Present: $10,000 or less | Visa Purchasing card rates apply |
| Card Not Present: $10,000.01 – $25,000 | 0.70% + $49.50 |
| Card Not Present: $25,000.01 – $100,000 | 0.60% + $52.50 |
| Card Not Present: $100,000.01 – $500,000 | 0.50% + $55.50 |
| Card Not Present: Greater than $500,000 | 0.40% + $58.50 |
F Visa U.S.A. Business, Corporate and Purchasing Prepaid Exempt and Regulated Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Fee Program | EXEMPT
Visa Business Prepaid |
EXEMPT
Visa Purchasing Prepaid |
REGULATED
Visa Business & Purchasing Prepaid |
|---|---|---|---|
| Non-Qualified | 2.95% + $0.10 | 2.95% + $0.10 | 0.05% + $0.21* |
| Card Present | 2.15% + $0.10 | 2.15% + $0.10 | 0.05% + $0.21* |
| Card Not Present | 2.65% + $0.10 | 2.65% + $0.10 | 0.05% + $0.21* |
| Consumer Bill Payment Service, Commercial Prepaid | 2.65% + $0.10 | 2.65% + $0.10 | 0.05% + $0.21* |
| Visa Purchasing Prepaid Large Ticket | na | 1.45% + $35.00 | 0.05% + $0.21* |
| Visa Business Utility Recurring Bill Payment (Visa Business Prepaid Only) | $0.75 | na | 0.05% + $0.21* |
| Business Utilities (Visa Business Prepaid Only) | $1.50 | na | 0.05% + $0.21* |
Rates Effective October 14, 2022
| Fee Program | EXEMPT
Visa Corporate Prepaid |
REGULATED
Visa Corporate Prepaid |
|---|---|---|
| Non-Qualified | 2.95% + $0.10 | 0.05% + $0.21* |
| Corporate Prepaid | 2.65% + $0.10 | 0.05% + $0.21* |
| Consumer Bill Payment Service, Commercial | 2.65% + $0.10 | 0.05% + $0.21* |
G Visa U.S.A. Business (excluding Prepaid) Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Business Credit Fee Program | Business Credit Spend Tier I | Business Credit Spend Tier II | Business Credit Spend Tier III | Business Credit Spend Tier IV | Business Credit Spend Tier V |
|---|---|---|---|---|---|
| Business Level II | 1.90% + $0.10 | 2.05% + $0.10 | 2.10% + $0.10 | 2.20% + $0.10 | 2.25% + $0.10 |
| Business Product 2 | 1.90% + $0.10 | 2.05% + $0.10 | 2.10% + $0.10 | 2.20% + $0.10 | 2.25% + $0.10 |
| Business Product 1 | 2.65% + $0.10 | 2.80% + $0.10 | 2.85% + $0.10 | 2.95% + $0.10 | 3.00% + $0.10 |
| Consumer Bill Payment Service, Business Credit | 2.65% + $0.10 | 2.80% + $0.10 | 2.85% + $0.10 | 2.95% + $0.10 | 3.00% + $0.10 |
| Business Travel | 2.35% + $0.10 | 2.50% + $0.10 | 2.55% + $0.10 | 2.65% + $0.10 | 2.70% + $0.10 |
| Business Non-Qualified | 3.15% + $0.20 | 3.15% + $0.20 | 3.15% + $0.20 | 3.15% + $0.20 | 3.15% + $0.20 |
| Business Utility Program | $1.50 | $1.50 | $1.50 | $1.50 | $1.50 |
| Business Debit Fee Program | EXEMPT
Business Debit |
REGULATED
Business Debit |
|---|---|---|
| Business Debit, Card Present | 1.70% + $0.10 | 0.05% + $0.21* |
| Business Debit, Card Not Present | 2.45% + $0.10 | 0.05% + $0.21* |
| Consumer Bill Payment Service, Business Debit | 2.45% + $0.10 | 0.05% + $0.21* |
| Business Debit, Non-Qualified | 2.95% + $0.10 | 0.05% + $0.21* |
| Business Utility Program, Recurring Bill Payment | $0.75 | 0.05% +$0.21* |
| Business Utility Program, Card Not Present Only | $1.50 | 0.05% + $0.21* |
H Visa U.S.A. Other Transactions Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Credit Voucher Transaction Type | Rate |
|---|---|
| Passenger Transport Service Category—Credit | 2.33% |
| Non-Passenger Transport—Consumer Credit | 1.76% |
| Non-Passenger Transport—Corporate and Business Card | 2.35% |
| Mail/Phone Order and eCommerce Merchants—Consumer Credit | 2.05% |
| Credit Voucher—Debit | 0.00% |
| Non-Passenger Transport—Non GSA Purchasing $0 – $10,000 | 2.40% |
| Non-Passenger Transport—Non GSA Purchasing $10,000.01 – $25,000 | 2.30% |
| Non-Passenger Transport—Non GSA Purchasing $25,000.01 – $100,000 | 2.20% |
| Non-Passenger Transport—Non GSA Purchasing $100,000.01 – $500,000 | 2.00% |
| Non-Passenger Transport—Non GSA Purchasing $500,000.01 + | 1.80% |
| Non-Passenger Transport—GSA Purchasing $0 – $10,000 | 2.35% |
| Non-Passenger Transport—GSA Purchasing $10,000.01 – $25,000 | 2.15% |
| Non-Passenger Transport—GSA Purchasing $25,000.01 – $100,000 | 2.00% |
| Non-Passenger Transport—GSA Purchasing $100,000.01 + | 1.80% |
| Visa Prepaid Load Network Interchange Reimbursement Fee | $0.05 |
| Visa Money Transfer Original Credit – Deferred (fees are paid by institution initiating transaction to recipient institution) | $0.015 |
| Visa Money Transfer Original Credit (fees are paid by institution initiating transaction to recipient institution) | $0.10 |
| Cash Disbursement Transactions
(Interchange payable from Issuer to Acquirer, in U.S. Dollars) |
Fee Amount |
|---|---|
| ATM Cash Disbursement Reimbursement Fee—Level 1 | $0.30 |
| ATM Cash Disbursement Reimbursement Fee—Level 2 | $0.35 |
| ATM Cash Disbursement Reimbursement Fee—Level 3 | $0.45 |
| ATM Cash Disbursement Reimbursement Fee—Level 4 | $0.60 |
| ATM Plus Alliance Cash Disbursement Reimbursement Fee | 0.35% + $0.55
(max. $3.00) |
| Manual Cash Disbursement Reimbursement Fee – Surcharged | $0.60 |
| Manual Cash Disbursement Reimbursement Fee – No Surcharge | 0.35% + $0.55
(max. $3.00) |
| Manual Cash Disbursement Reimbursement Fee – Prepaid Consumer Government and Payroll | $2.00 |
| Manual Cash Disbursement Reimbursement Fee – Default | $2.00 |
Note: Fees in this table are listed in U.S. dollars; fees are paid to merchant financial institutions.
| Other ATM Non-Cash Disbursement Transactions | Fee Amount |
|---|---|
| ATM Decline Fee—Level 1 | $0.20 |
| ATM Decline Fee—Level 2 | $0.25 |
| ATM Decline Fee—Level 3 | $0.25 |
| ATM Decline Fee—Level 4 | $0.30 |
| ATM Balance Inquiry Fee—Level 1 | $0.20 |
| ATM Balance Inquiry Fee—Level 2 | $0.25 |
| ATM Balance Inquiry Fee—Level 3 | $0.25 |
| ATM Balance Inquiry Fee—Level 4 | $0.30 |
| ATM Funds Transfer Fee—Level 1 | $0.20 |
| ATM Funds Transfer Fee—Level 2 | $0.25 |
| ATM Funds Transfer Fee—Level 3 | $0.25 |
| ATM Funds Transfer Fee—Level 4 | $0.30 |
| ATM Mini Statement Fee | $0.30 |
| ATM PIN Block / Change | $0.60 |
| ATM Cash-In Deposit Fee | $0.85 + 0.35%
(max. $5.00) |
| ATM Shared Deposit Fee | $2.50 |
| Plus Alternative Media Fee (paid by acquirer) | $0.10 |
Visa U.S.A. International Transactions† Interchange Reimbursement Fees
Rates Effective October 14, 2023
| Industry Fee Program | Visa Classic / Visa Gold / Electron | Visa Signature / Visa Premium1 | Visa Infinite2 | All Visa Commercial Products |
|---|---|---|---|---|
| Interregional Regulatedǂ Debit | 0.05% + $0.21* | 0.05% + $0.21* | 0.05% + $0.21* | 0.05% + $0.21* |
| Product Base | 1.10% | 1.85% | 1.98% | 2.00% |
| Alternative | 1.60% | 1.85% | 1.98% | 2.00% |
| Downgrade | 1.65% | 1.90% | 2.03% | 2.05% |
Credit Voucher Type Transactions
| Industry Fee Program | Visa Classic
/ Visa Gold / Electron |
Visa Signature / Visa Premium1 | Visa Infinite2 | All Visa Commercial Products |
|---|---|---|---|---|
| Credit Voucher | 1.00%^ | 1.00%^ | 1.00%^ | 1.80%^ |
Visa Business-to-Business Virtual Payments
| Industry Fee Program | Consumer Products | Select Commercial Products |
|---|---|---|
| Standard | none | 2.00% |
Original Credits (Interchange payable from sending institution to receiving institution, in U.S. Dollars)
| Fee Program | Fee Amount |
|---|---|
| Original Credit | $0.29 |
| Visa Money Transfer Fast Funds | $0.60 |
Cash Disbursement Transactions (Interchange payable from Issuer to Acquirer, in U.S. Dollars)
| Fee Program | All Visa and / or Plus Cards, excluding Prepaid Travel
If DCC occurs (Dynamic Currency Conversion) |
All Visa and / or Plus Cards, excluding Prepaid Travel
No DCC |
Visa Prepaid Travel4 |
|---|---|---|---|
| Cash Disbursement
(No access fee charged to cardholder) |
0.15% | $0.65 +0.52% | $1.00 |
| Cash Disbursement
(Access fee charged to cardholder) |
0.00% | 0.15% | 0.15% |
| Fee Program | All Visa, Plus, and Prepaid Travel |
|---|---|
| Cash Disbursement – Manual | $1.75 + 0.33% |
| ATM Decline Fee | $0.30 |
| ATM Balance Inquiry Fee | $0.30 |
| ATM Funds Transfer Fee | $0.30 |
| Mini Statement | $0.30 |
| PIN Change / Unblock | $0.60 |