Visa USA Interchange Rates
Current Visa interchange rates for US merchants. Updated for 2025-2026. Understand the true cost of accepting Visa payments.
Last updated: February 2026 · Source: Visa official rate schedule
Visa is the largest card network in the United States, accepted by millions of merchants. Understanding Visa interchange rates is essential for managing payment processing costs effectively.
The tables below show current Visa interchange rates for US-based transactions. CPS (Custom Payment Service) rates represent the best available rates when all qualification criteria are met.
Visa USA Consumer Credit Interchange Rates
Consumer Credit Card-Present (CPS Retail)
| Card Type | Interchange Rate |
|---|---|
| Visa CPS Retail Credit | 1.510% + $0.10 |
| Visa Traditional Rewards | 1.650% + $0.10 |
| Visa Signature | 2.100% + $0.10 |
| Visa Signature Preferred | 2.100% + $0.10 |
| Visa Infinite | 2.400% + $0.10 |
Consumer Credit Card-Not-Present (CPS E-Commerce)
| Card Type | Interchange Rate |
|---|---|
| Visa CPS E-Commerce Basic | 1.800% + $0.10 |
| Visa CPS E-Commerce Preferred | 1.750% + $0.10 |
| Visa Traditional Rewards CNP | 1.950% + $0.10 |
| Visa Signature CNP | 2.400% + $0.10 |
| Visa Infinite CNP | 2.700% + $0.10 |
Visa Debit Cards
| Card Type | Interchange Rate |
|---|---|
| Visa Debit Card-Present | 0.800% + $0.15 |
| Visa Debit Regulated Card-Present | 0.050% + $0.22 |
| Visa Debit Card-Not-Present | 1.600% + $0.15 |
| Visa Debit Regulated CNP | 0.050% + $0.22 |
| Visa Prepaid | 1.150% + $0.15 |
Commercial & Corporate Cards
| Card Type | Interchange Rate |
|---|---|
| Visa Business | 2.200% + $0.10 |
| Visa Corporate | 2.500% + $0.10 |
| Visa Purchasing | 2.500% + $0.10 |
| Visa Corporate Level 2 | 2.100% + $0.10 |
| Visa Purchasing Level 3 | 1.900% + $0.10 |
| Visa Business Enhanced | 2.650% + $0.10 |
Assessments and Network Fees
In addition to interchange, Visa charges assessment and network fees on all transactions. These fees are separate from interchange and apply regardless of the card type.
| Fee Type | Rate |
|---|---|
| Visa Assessment (Credit) | 0.1400% |
| Visa Assessment (Debit) | 0.1300% |
| Visa Acquirer Processing Fee (APF) | $0.0195 |
| Visa Fixed Acquirer Network Fee (FANF) | Varies by MCC |
| Visa International Service Assessment | 0.8000% |
| Visa International Acquirer Fee | 0.4500% |
*For a complete list of US interchange rates, visit the Visa official merchant resources page.
Frequently Asked Questions
Interchange is the fee collected by the cardholder's bank (the card issuer) on every transaction. These rates are set by Visa and apply to all processors. It's the base cost that processors pay on every transaction, which is then passed on to merchants as part of their processing fees.
Visa typically updates interchange rates twice per year, in April and October. We update this page to reflect the latest published rates. For the most current official rates, you can visit Visa's merchant resources page.
CPS (Custom Payment Service) rates are Visa's best interchange rates, available when transactions meet specific criteria like being swiped/dipped and settled within 24 hours. EIRF (Electronic Interchange Reimbursement Fee) is a downgrade category with higher rates that applies when CPS requirements aren't met.
Visa Signature and Infinite are premium card tiers with enhanced rewards and benefits for cardholders. They carry higher interchange rates than standard consumer cards. Signature is the mid-tier premium, while Infinite is the highest tier.
To qualify for the lowest rates: use chip readers or tap-to-pay, settle batches within 24 hours, capture complete transaction data, and consider Level 2/3 processing for B2B transactions. Proper terminal configuration and merchant category code also affect rates.
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