Current Interchange Rates

For a detailed listing of current Visa and Mastercard interchange rates, visit:

http://www.globalpaymentsinc.com/IntRatesEN.html

New Interchange Rates (Effective May 2020)

Mastercard:

Canada Domestic Consumer Credit Interchange Rates

Interchange Program Type

Core

World

World Elite

Muse Mastercard

Card Present EMV

0.92%

1.22%

1.56%

1.65%

Unsecure Card Present

1.22%

1.52%

1.86%

1.95%

Digital Commerce

1.76%

2.00%

2.24%

2.39%

Contactless

0.87%

1.16%

1.48%

1.57%

SecureCode / 3DS

1.50%

1.70%

1.90%

2.03%

Utilities

$0.10

$0.10

$0.10

$0.10

Charity

0.92%

1.22%

1.56%

1.65%

Standard

2.06%

2.30%

2.54%

2.69%

Card Present Return

0.55%

0.73%

0.94%

0.99%

Card Not Present Return

1.06%

1.20%

1.34%

1.43%



Canada Domestic Debit Interchange Rates

Interchange Program Type

Debit

Supermarket

0.15% + $0.05 (CAD)

Petroleum

0.15% + $0.05 (CAD)

Electronic

0.25% + $0.05 (CAD)

Big Box Stores

0.25% + $0.05 (CAD)

Specialty Clothing Stores

0.25% + $0.05 (CAD)

Recurring Payments

0.60%

Charity

0.30%

Emerging Sectors

0.30%

Masterpass

1.00%

SecureCode / 3DS

1.00%

Contactless Tier 1

(MCCs 5814, 5331, 7832, 5499)

0.00% + $0.02 (CAD)

Contactless Tier 2

(Min. CAD $400 Million net purchase volume)

0.00% + $0.02 (CAD

Contactless Tier 3

0.00% + $0.03 (CAD)

Public Sector

0.30%

Utilities

0.00% + $0.10 (CAD)

Standard

1.15%



Canada Domestic Consumer Prepaid Interchange Rates

Interchange Program Type

Prepaid

Electronic

1.44%

Standard

1.55%



Canada Domestic Commercial Interchange Rates

Interchange Program Type

Small Medium Enterprise

Large Market

World Elite for Business

Commercial Standard

2.00%

2.00%

2.25%

Commercial Charity

1.80%

1.80%

1.80%

Data Rate 1

-

1.80%

-

Data Rate 2

-

1.40%

-

Large Ticket

-

1.20%

-



International Interchange Rates

Interchange Program Type

Core

Premium

Super Premium

Consumer

Standard

1.60%

1.85%

1.98%

Electronic

1.10%

1.85%

1.98%

SecureCode / 3DS Merchant

1.44%

1.85%

1.98%

SecureCode / 3DS Merchant and Cardholder

1.54%

1.85%

1.98%

Refund / Return Transactions

1.00%

1.00%

1.00%

Commercial

Standard

2.00%

-

-

Electronic Product

1.85%

-

-

Large Market – Data Rate 1

2.00%

-

-

Refunds / Return Transactions

1.80%

-

-

 

Visa:

Consumer Credit Products

Interchange Reimbursement Fees

Rate Program

Classic, Gold, Platinum

Infinite

VIP

Standard

1.45%

1.70%

2.45%

Electronic

1.25%

1.57%

2.08%

Card Not Present

1.40%

1.65%

2.40%

Performance Program – Card Present

1.20%

1.49%

1.95%

Industry Program – Gas

1.07%

1.34%

1.95%

Industry Program – Grocery

1.00%

1.20%

1.95%

Industry Program – Everyday Needs

1.20%

1.30%

1.95%

Recurring Payments

1.25%

1.53%

1.95%

Emerging Segments*

0.98%

1.17%

1.95%

Performance Program – CNP (New)

1.35%

1.60%

2.35%

Industry Program – Utilities (New)**

$0.75 CAD per transaction

Emerging Segments – Preferred (New)**

0.80%

1.00%

1.95%

*MCC 8050 – Nursing and Personal Care Facilities added to the list of MCCs eligible for this rate program

**Additional business rules associated with participation in these programs

 

Debit Products

Interchange Reimbursement Fees

Rate Program

Visa Debit

Industry Program – Utilities (New)*

$0.10 CAD per transaction

Emerging Segments – Preferred (New)*

$1.00 CAD per transaction

*Additional business rules associated with participation in these programs