Visa
🇺🇸United States
Consumer, commercial, and premium card rates for US transactions
View ratesResources
Interchange Rate Tables
Complete, searchable interchange rate tables for Visa, Mastercard, and American Express. Find the exact rates that apply to your transactions.
What is interchange?
Interchange fees are the largest component of credit card processing costs—typically 1.5% to 3.5% of each transaction. These fees are set by card networks (Visa, Mastercard, Amex) and paid by merchants to card-issuing banks.
Rates vary by card type (rewards, corporate, debit), transaction method (card-present vs. online), merchant category, and more. Understanding these rates is key to optimizing your payment costs.
Interchange determines:
- 1Base cost per transaction (before processor markup)
- 2Why some cards cost more to accept than others
- 3Potential savings from interchange optimization
Which table do I need?
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US Merchants
Use the USA tables for Visa, Mastercard, or Amex based on which cards you accept most.
🍁
Canadian Merchants
Use the Canada tables. Note: Amex rates are US-only (OptBlue program).
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Multi-Network
Most merchants need both Visa and Mastercard tables—they process ~80% of card transactions.
Browse interchange tables
Visa
🇨🇦Canada
Consumer, commercial, and premium card rates for Canadian transactions
View ratesMastercard
🇺🇸United States
Core, enhanced, and World Elite rates for US transactions
View ratesMastercard
🇨🇦Canada
Core, enhanced, and World Elite rates for Canadian transactions
View ratesAmerican Express
🇺🇸United States
OptBlue merchant rates by industry and transaction type
View ratesWant to lower your interchange costs?
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