Visa USA Interchange Reimbursement
Fees
Visa Supplemental Requirements
13 April 2024
Visa Public
Visa USA Interchange Reimbursement Fees
ii Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Introduction to the Visa USA Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 1
© 2024 Visa. All Rights Reserved.
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.
Note: This document is a supplement of the Visa Core Rules and Visa Product and Service Rules. In the
event of any conflict between any content in this document, any document referenced herein,
any exhibit to this document, or any communications concerning this document, and any
content in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and Visa
Product and Service Rules shall govern and control.
Contact Information
If you have any questions about Visa’s interchange rates, your merchant discount, or what interchange
rates for which you are eligible, please contact your financial institution.
Introduction to the Visa USA Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
2 Visa Public 13 April 2024
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Visa USA Consumer Check Card Exempt and Regulated Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 3
© 2024 Visa. All Rights Reserved.
A 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% + $0.04
1
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, Debit
2
1.65% + $0.15 0.05% + $0.21*
Visa USA Consumer Check Card Exempt and Regulated Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
4 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Card Not Present
Fee Program
Exempt Visa Check Card
Card Not Present Transactions
Regulated Visa Check Card
Card Not Present Transactions
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),
Debit
3
1.75% + $0.20 0.05% + $0.21*
Standard Interchange
Reimbursement Fee, Debit
1.90% + $0.25 0.05% + $0.21*
Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.
* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an additional US $0.01.
1
Small-ticket interchange rate on PIN-authenticated Visa Debit transactions applies only to Visa Network 002 transactions.
2
Not applicable to PIN-authenticated transactions.
3
EIRF transactions from AFDs and service stations are eligible for a US $0.95 cap.
Visa U.S.A. Consumer Prepaid Exempt & Regulated and Other Exempt Products Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 5
© 2024 Visa. All Rights Reserved.
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% + $0.05
1
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, Prepaid
2
1.75% + $0.20 0.05% + $0.21*
Visa U.S.A. Consumer Prepaid Exempt & Regulated and Other Exempt Products Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
6 Visa Public 13 April 2024
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Card Not Present
Fee Program
EXEMPT Visa Consumer
Prepaid and Other Exempt
REGULATED Visa Consumer
Prepaid
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
1.75% + $0.20 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),
Prepaid
3
1.80% + $0.20 0.05% + $0.21*
Standard Interchange
Reimbursement Fee, Prepaid
1.90% + $0.25 0.05% + $0.21*
Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.
* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an additional US $0.01.
1
Small-ticket interchange rate on PIN-authenticated Visa Prepaid transactions applies only to Visa Network 002.
2
Not applicable to PIN-authenticated transactions.
3
EIRF transactions from AFDs and service stations are eligible for a US $0.95 cap.
Visa U.S.A. Consumer Credit Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 7
© 2024 Visa. All Rights Reserved.
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
Telco & 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
Telco & Cable:
Performance Threshold I-
Non-Tokenized
1.85% + $0.05 1.33% + $0.05 1.85% + $0.05 1.33% + $0.05 1.33% + $0.05 1.33% + $0.05
CPS/Recurring Payments
Telco & Cable:
Performance Threshold II-
Non-Tokenized
2.20% + $0.05 1.43% + $0.05 2.20% + $0.05 1.43% + $0.05 1.43% + $0.05 1.43% + $0.05
Visa U.S.A. Consumer Credit Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
8 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Fee Program
Visa Infinite
Spend Qualified
Visa Infinite
Spend Not
Qualified
Visa Signature
Preferred
Visa Signature
Traditional
Rewards
All Other
Products
CPS/Recurring Payments
Telco & Cable:
Performance Threshold III-
Non-Tokenized
2.30% + $0.05 1.53% + $0.05 2.30% + $0.05 1.53% + $0.05 1.53% + $0.05 1.53% + $0.05
CPS/Recurring Payments
Telco & Cable:
Non-Tokenized
2.30% + $0.05 1.53% + $0.05 2.30% + $0.05 1.53% + $0.05 1.53% + $0.05 1.53% + $0.05
CPS/Recurring Payments
Telco & Cable:
Performance Threshold I-
Tokenized
1.75% + $0.05 1.23% + $0.05 1.75% + $0.05 1.23% + $0.05 1.23% + $0.05 1.23% + $0.05
CPS/Recurring Payments
Telco & Cable:
Performance Threshold II-
Tokenized
2.10% + $0.05 1.33% + $0.05 2.10% + $0.05 1.33% + $0.05 1.33% + $0.05 1.33% + $0.05
CPS/Recurring Payments
Telco & Cable:
Performance Threshold III-
Tokenized
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
Telco & Cable:
Tokenized
2.20% + $0.05 1.43% + $0.05 2.20% + $0.05 1.43% + $0.05 1.43% + $0.05 1.43% + $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
Insurance
2
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
Services
2
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
Education
2
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
Healthcare
2
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
Visa U.S.A. Consumer Credit Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 9
© 2024 Visa. All Rights Reserved.
Fee Program
Visa Infinite
Spend Qualified
Visa Infinite
Spend Not
Qualified
Visa Signature
Preferred
Visa Signature
Traditional
Rewards
All Other
Products
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 Estate
2
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
Advertising
2
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
Visa U.S.A. Consumer Credit Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
10 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Fee Program
Visa Infinite
Spend Qualified
Visa Infinite
Spend Not
Qualified
Visa Signature
Preferred
Visa Signature
Traditional
Rewards
All Other
Products
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% + $0.10
1
3.15% + $0.10
1
3.15% + $0.10
1
3.15% + $0.10
1
3.15% + $0.10
1
3.15% + $0.10
1
Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.
* See page 9 for performance threshold criteria.
** Taxi 1 transactions that are tokenized may also qualify for this rate.
** Restaurant 1 transactions that are tokenized may also qualify for this rate.
1
Non-Qualified Consumer Credit transactions from AFDs and service stations are eligible for a US $1.10 cap.
† Visa Infinite (Spend Qualified accounts)
‡ Visa Infinite (Spend Not Qualified accounts)
Visa U.S.A. Credit Performance Threshold Criteria For Retail, Supermarket, and Small Merchant Categories
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 11
© 2024 Visa. All Rights Reserved.
D Visa U.S.A. Credit Performance Threshold Criteria For
Retail, Supermarket, and Small Merchant Categories
Effective April 13, 2024, based on 12 months of activity ending September 30, 2023
Retail Performance Thresholds Transaction
Minimum
Volume
Minimum
Maximum
Dispute
Financials
Ratio*
PCI
Compliance
Threshold I
123.4 million $8.33 billion
0.020%
Threshold II 79.8 million $4.46 billion
0.020%
Threshold III
17.8 million $1.01 billion
0.020%
Recurring Telecommunications and
Cable Performance Thresholds
Transaction
Minimum
Volume
Minimum
Maximum
Dispute
Financials
Ratio*
PCI
Compliance
Threshold I
50 million $10.0 billion
0.080%
Threshold II 40 million $7.5 billion
0.080%
Threshold III
30 million $5.0 billion
0.080%
Supermarket Performance Tiers
Transaction
Minimum
Volume
Minimum
Maximum
Dispute
Financials
Ratio*
PCI
Compliance
Tier 0
437.3 million
$23.26 billion
0.020%
Tier I
156.5 million
$12.64 billion
0.020%
Tier II
85.6 million
$4.99 billion
0.020%
Tier III
19.5 million
$1.13 billion
0.020%
Small Merchant Category Volume Maximum
Gross Visa Consumer Credit Sales ** $280,000
* Dispute Financials ratio calculated as a percentage of a merchant’s gross transaction count.
** based on 12 months of Visa system activity ending September 30, 2022.
Please reference U.S. Interchange Reimbursement Fee Rate Qualification Guide for complete details.
Visa U.S.A. Corporate and Purchasing Interchange Fees
Visa USA Interchange Reimbursement Fees
12 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
E Visa U.S.A. Corporate and Purchasing Interchange Fees
Rates Effective October 14, 2023
* Includes Fleet cards
Fee Program Purchasing Only
Government-to-Government (G2G)
1.65% + $0.10
GSA Large Ticket
1.20% + $39.00
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
Visa U.S.A. Corporate and Purchasing Interchange Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 13
© 2024 Visa. All Rights Reserved.
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 U.S.A. Corporate and Purchasing Interchange Fees
Visa USA Interchange Reimbursement Fees
14 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
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
Visa U.S.A. Business, Corporate and Purchasing Prepaid Exempt and Regulated Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 15
© 2024 Visa. All Rights Reserved.
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*
Note: Fees in these tables are listed in U.S. dollars; fees are paid to cardholder financial institutions.
* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an additional US $0.01
Visa U.S.A. Business, Corporate and Purchasing Prepaid Exempt and Regulated Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
16 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Visa U.S.A. Business (excluding Prepaid) Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 17
© 2024 Visa. All Rights Reserved.
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*
Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.
* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an
additional US $0.01.
Visa U.S.A. Business (excluding Prepaid) Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
18 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Visa U.S.A. Other Transactions Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 19
© 2024 Visa. All Rights Reserved.
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
Visa U.S.A. Other Transactions Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
20 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
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.
Visa U.S.A. Other Transactions Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 21
© 2024 Visa. All Rights Reserved.
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
Note: Fees in this table are listed in U.S. dollars; fees are paid to merchant financial institutions, except as noted.
Visa U.S.A. Other Transactions Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
22 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
Visa U.S.A. International Transactions† Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
13 April 2024 Visa Public 23
© 2024 Visa. All Rights Reserved.
I Visa U.S.A. International Transactions† Interchange
Reimbursement Fees
Rates Effective October 14, 2023
†
Visa cards used at a U.S. merchant but issued outside the U.S.
Industry Fee Program Visa Classic /
Visa Gold /
Electron
Visa
Signature /
Visa
Premium
1
Visa Infinite
2
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%
ǂ Limited to cards subject to U.S. Federal Reserve Board Regulation II.
* Issuers that certify their compliance with the interim fraud prevention standards will receive an additional US $0.01.
Credit Voucher Type Transactions
Industry Fee Program
Visa Classic
/ Visa Gold /
Electron
Visa
Signature /
Visa
Premium
1
Visa Infinite
2
All Visa
Commercial
Products
Credit Voucher
1.00%
^
1.00%
^
1.00%
^
1.80%
^
^ Interchange payable from issuer to acquirer.
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
Visa U.S.A. International Transactions† Interchange Reimbursement Fees
Visa USA Interchange Reimbursement Fees
24 Visa Public 13 April 2024
© 2024 Visa. All Rights Reserved.
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 Travel
4
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
Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions, except as noted.
1
Applies to Canada-issued Visa Infinite and all Visa Prepaid Platinum cards. Platinum credit and debit cards issued from
Canada and the U.S. are not eligible for this rate.
2
Does not apply to Canadian-issued Visa Infinite cards.
3
Available to qualified transactions.
4
Prepaid Travel not eligible for DCC; lower “access fee” CDF also applies to Visa Prepaid Travel cash disbursements.
