Visa Canada Interchange Rates
Current Visa interchange rates for Canadian merchants. Updated for 2025-2026. Understand the true cost of accepting Visa payments in Canada.
Last updated: February 2026 · Source: Visa official rate schedule
Visa is the most widely accepted card network in Canada. Canadian interchange rates are generally lower than US rates due to voluntary commitments made by card networks to the Canadian government.
Visa Canada Consumer Credit Interchange Rates
Consumer Credit Card-Present
| Card Type | Interchange Rate |
|---|---|
| Visa Classic | 1.420% |
| Visa Gold | 1.450% |
| Visa Platinum | 1.500% |
| Visa Infinite | 1.650% |
| Visa Infinite Privilege | 1.750% |
Consumer Credit Card-Not-Present
| Card Type | Interchange Rate |
|---|---|
| Visa Classic Keyed | 1.520% |
| Visa Gold Keyed | 1.550% |
| Visa Platinum Keyed | 1.600% |
| Visa Infinite Keyed | 1.750% |
| Visa Infinite Privilege Keyed | 1.850% |
Commercial Cards
| Card Type | Interchange Rate |
|---|---|
| Visa Business | 1.950% |
| Visa Business Enhanced | 2.100% |
| Visa Corporate | 2.000% |
| Visa Corporate Data Rate I | 1.900% |
| Visa Corporate Data Rate II | 1.800% |
| Visa Purchasing | 2.050% |
Visa Debit
| Card Type | Interchange Rate |
|---|---|
| Visa Debit Card-Present | 0.220% |
| Visa Debit Card-Not-Present | 0.550% |
| Visa Prepaid | 1.250% |
Assessments and Network Fees
| Fee Type | Rate |
|---|---|
| Visa Assessment | 0.0850% |
| Visa International Service Assessment | 0.6000% |
| Visa Cross-Border Support | 0.4500% |
*For a complete list of Canadian interchange rates, visit the Visa Canada official interchange rates page.
Frequently Asked Questions
Interchange is the fee collected by the cardholder's bank (the card issuer) on every transaction. In Canada, these rates are set by Visa and are generally lower than US rates due to voluntary commitments made to the Canadian government.
Canadian interchange rates are generally lower than US rates. Following commitments to the Canadian government, Visa and Mastercard agreed to cap average effective interchange rates for Canadian merchants, resulting in more competitive rates.
Visa Classic is the standard consumer credit card with the lowest interchange rates. Visa Infinite is a premium tier with enhanced rewards and benefits for cardholders, carrying higher interchange rates.
Visa typically updates interchange rates twice per year, in April and October. We update this page to reflect the latest published rates.
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