2. Visa April 2010
Category Rate Per Item
Max.
debit only Page #
Visa Consumer Debit Card Rates
CPS Account Funding Debit 1.75% $0.20 n/a 12
CPS Automated Fuel Dispenser 0.75% $0.17 $0.95 12
CPS Car Rental Debit 1.36% $0.15 n/a 12
CPS Car Rental Card Not Present 1.36% $0.15 n/a 13
CPS Card Not Present Debit 1.60% $0.15 n/a 13
CPS Debit Tax Payment 1 n/a $2.50 n/a 13
CPS Debit Tax Payment 2 0.00% $0.00 n/a 14
CPS Debt Repayment 0.35% $0.50 n/a 14
CPS E-commerce Debit Basic 1.60% $0.15 n/a 14
CPS E-Commerce Car Rental Preferred Debit 1.36% $0.15 n/a 15
CPS E-Commerce Hotel Preferred Debit 1.36% $0.15 n/a 15
CPS E-Commerce Preferred Debit 1.55% $0.15 n/a 16
CPS Hotel Debit 1.36% $0.15 n/a 16
CPS Hotel Debit - Card Not Present 1.36% $0.15 n/a 17
CPS Restaurant Debit 1.19% $0.10 n/a 17
CPS Retail Debit 0.95% $0.20 n/a 17
CPS Retail Debit Threshold I 0.62% $0.13 n/a 17
CPS Retail Debit Threshold II 0.81% $0.13 n/a 18
CPS Retail Debit Threshold III 0.92% $0.15 n/a 18
CPS Retail Key Entry Debit 1.60% $0.15 n/a 18
CPS Service Station Debit 0.75% $0.17 $0.95 18
CPS Retail 2 Debit 0.80% $0.25 n/a 18
CPS Small Ticket Debit 1.55% $0.04 n/a 19
CPS Supermarket Debit 0.95% $0.20 $0.35 19
CPS Supermarket Threshold I 0.62% $0.13 $0.35 19
CPS Supermarket Threshold II 0.81% $0.13 $0.35 19
CPS Supermarket Threshold III 0.92% $0.15 $0.35 19
Electronic, EIRF Debit Fuel 1.75% $0.20 $0.95 19
Electronic, EIRF Debit 1.75% $0.20 n/a 19
Standard Debit 1.90% $0.25 n/a 20
Utility Debit n/a $0.75 n/a 20
Visa Consumer Credit Card Rates
CPS Account Funding 2.14% $0.10 n/a 21
CPS Automated Fuel Dispenser 1.15% $0.25 n/a 21
CPS Car Rental Credit 1.54% $0.10 n/a 21
CPS Car Rental Card Not Present Credit 1.54% $0.10 n/a 22
CPS Card Not Present Credit 1.80% $0.10 n/a 22
CPS E-Commerce Basic Credit 1.80% $0.10 n/a 22
CPS E-Commerce Preferred Car Rental Credit 1.54% $0.10 n/a 23
CPS E-Commerce Preferred Hotel Credit 1.54% $0.10 n/a 23
CPS E-Commerce Preferred Credit 1.80% $0.10 n/a 24
CPS Hotel Credit 1.54% $0.10 n/a 24
CPS Hotel - Card Not Present 1.54% $0.10 n/a 25
CPS Restaurant Credit 1.54% $0.10 n/a 25
CPS Retail Credit 1.54% $0.10 n/a 25
CPS Retail Credit Threshold I 1.43% $0.10 n/a 25
CPS Retail Credit Threshold II 1.47% $0.10 n/a 25
CPS Retail Credit Threshold III 1.51% $0.10 n/a 25
CPS Retail Key Entry Credit 1.80% $0.10 n/a 25
CPS Retail Service Station Credit 1.15% $0.25 n/a 26
Visa Assessments 0.0925% x Gross Sales Dollars. All rates are subject to change and include a % + per item
where applicable.
2
3. Visa April 2010
Category Rate Per Item
Max.
debit only Page #
CPS Retail 2 Credit 1.43% $0.05 n/a 26
CPS Small Ticket Credit 1.65% $0.04 n/a 26
CPS Supermarket Credit 1.24% $0.05 n/a 26
CPS Supermarket Threshold I 1.15% $0.05 n/a 26
CPS Supermarket Threshold II 1.20% $0.05 n/a 26
CPS Supermarket Threshold III 1.22% $0.05 n/a 27
EIRF Credit 2.30% $0.10 n/a 27
Business to Business Signature Preferred 2.10% $0.10 n/a 27
CNP Signature Preferred 2.40% $0.10 n/a 27
Electronic Signature Preferred 2.40% $0.10 n/a 27
Fuel Signature Preferred 1.15% $0.25 n/a 27
Retail Signature Preferred 2.10% $0.10 n/a 27
Standard Signature Preferred 2.95% $0.10 n/a 28
Signature Electronic (EIRF) 2.30% $0.10 n/a 28
Signature Card Rewards 1 1.65% $0.10 n/a 28
Signature Card Rewards 2 1.95% $0.10 n/a 28
Standard Credit 2.70% $0.10 n/a 28
Traditional Rewards I 1.65% $0.10 n/a 28
Traditional Rewards II 1.95% $0.10 n/a 28
Utility Credit n/a $0.75 n/a 28
Visa Commercial Card Rates
Commercial B2B Business Card 2.10% $0.10 n/a 29
Commercial Business Utility n/a $1.50 n/a 29
Commercial Card Not Present Business Card 2.25% $0.10 n/a 29
Commercial Electronic Business Card 2.40% $0.10 n/a 29
Commercial Card non T&E Level II Data Business Card 2.05% $0.10 n/a 30
Commercial non-T&E Level III Data - Purchasing Card 1.80% $0.10 n/a 30
Commercial non T&E Level II Data- Purchasing Card 2.05% $0.10 n/a 30
Commercial Retail - Business Card 2.20% $0.10 n/a 30
Commercial Standard Business Card 2.95% $0.10 n/a 30
Commercial B2B Corporate Card 2.10% $0.10 n/a 29
Commercial Card Not Present Corporate Card 2.20% $0.10 n/a 29
Commercial Electronic Corporate Card 2.25% $0.10 n/a 29
Commercial non-T&E Level II Data Corporate Card 2.05% $0.10 n/a 30
Commercial Retail Corporate Card 2.10% $0.10 n/a 30
Commercial Standard Corporate Card 2.95% $0.10 n/a 30
Commercial B2B Purchasing Card 2.10% $0.10 n/a 29
Commercial Card Not Present Purchasing Card 2.55% $0.10 n/a 29
Commercial Electronic Purchasing Card 2.65% $0.10 n/a 29
Commercial Retail Purchasing Card 2.30% $0.10 n/a 30
Commercial Standard Purchasing Card 2.95% $0.10 n/a 30
Purchasing GSA Large Ticket 1.20% $39.00 n/a 30
Purchasing Card Electronic with Data 2.65% $0.10 n/a 31
Purchasing Card Government-to-Government 1.65% $0.10 n/a 29
Purchasing Large Ticket 0.95% $35.00 n/a 31
Visa Consumer Credit Credit Voucher Rates
Consumer Non-Passenger Transport 1.76% n/a n/a 28
Consumer MO/TO and E-Commerce 2.05% n/a n/a 28
Visa Consumer Debit Credit Voucher Rates
Consumer Non-Passenger Transport 1.31% n/a n/a 20
Consumer MO/TO and E-Commerce 1.87% n/a n/a 20
Visa Assessments 0.0925% x Gross Sales Dollars. All rates are subject to change and include a % + per item
where applicable.
3
4. Visa April 2010
Category Rate Per Item
Max.
debit only Page #
Visa Commercial Credit Voucher Rates
Non-Passenger Transport 2.24% n/a n/a 31
Visa Interregional:
Business and Signature Business Card Corporate Card 1.80% n/a n/a 32
Purchasing Card 1.80% n/a n/a 32
Infinite Card 1.80% n/a n/a 32
Signature Card 1.80% n/a n/a 32
Signature Preferred Card 1.80% n/a n/a 32
Secure Electronic Commerce 1.44% n/a n/a 32
Secure Electronic Commerce - Electron Card 1.44% n/a n/a 33
Electronic Commerce Merchant 1.44% n/a n/a 33
Electronic commerce Merchant - Electron Card 1.44% n/a n/a 33
Electronic 1.10% n/a n/a 33
Electronic Electron Card 1.10% n/a n/a 34
Issuer Chip 1.20% n/a n/a 34
Isser Chip - Electron Card 1.20% n/a n/a 34
Standard 1.60% n/a n/a 34
Standard - Electron Card 1.60% n/a n/a 35
Visa Regional Programs:
Business and Signature Business Card 1.80% n/a n/a 36
Corporate Card 1.80% n/a n/a 36
Purchasing Card 1.80% n/a n/a 36
Infinite Card 1.80% n/a n/a 36
Signature Card 1.80% n/a n/a 36
Secure Electronic Commerce 1.44% n/a n/a 36
Secure Electronic Commerce - Electron Card 1.44% n/a n/a 37
Electronic Commerce Merchant 1.44% n/a n/a 37
Electronic Commerce Merchant - Electron Card 1.44% n/a n/a 37
Electronic 1.10% n/a n/a 37
Electronic Electron Card 1.10% n/a n/a 38
Issuer Chip 1.20% n/a n/a 38
Isser Chip - Electron Card 1.20% n/a n/a 38
Standard 1.60% n/a n/a 38
Standard - Electron Card 1.60% n/a n/a 39
Puerto Rico:
Puerto Rico Domestic Electronic:
Emerging and Small Ticket Debit (Classic, Electron, Gold) 1.05% n/a n/a 40
Emerging and Small Ticket Credit (Classic, Gold) 1.10% n/a n/a 40
Emerging and Small Ticket Commercial (Platinum,
Commercial) 1.25% n/a n/a 40
Emerging and Small Ticket Signature 1.28% n/a n/a 40
Puerto Rico Domestic Electronic Utilities: n/a n/a
Emerging and Small Ticket Utilities Debit (Classic, Electron,
Gold) 1.05% n/a n/a 40
Emerging and Small Ticket Utilities Credit (Classic, Gold) 1.10% n/a n/a 40
Emerging and Small Ticket Utilities Commercial (Platinum,
Commercial) 1.25% n/a n/a 40
Emerging and Small Ticket Utilities Signature 1.28% n/a n/a 40
Puerto Rico Domestic Electronic Retail Group 1: n/a n/a
Retail Group 1 Debit (Classic, Electron, Gold) 1.30% n/a n/a 41
Retail Group 1 Credit (Classic, Gold) 1.35% n/a n/a 41
Visa Assessments 0.0925% x Gross Sales Dollars. All rates are subject to change and include a % + per item
where applicable.
4
5. Visa April 2010
Category Rate Per Item
Max.
debit only Page #
Retail Group 1 Commercial (Platinum, Commercial) 1.85% n/a n/a 41
Retail Group 1 Signature 2.00% n/a n/a 41
Puerto Rico Domestic Electronic Retail Group 2: n/a n/a
Retail Group 2 Debit (Classic, Electron, Gold) 1.25% n/a n/a 41
Retail Group 2 Credit (Classic, Gold) 1.30% n/a n/a 41
Retail Group 2 Commercial (Platinum, Commercial) 1.80% n/a n/a 41
Retail Group 2 Signature 1.90% n/a n/a 41
Puerto Rico Domestic Standard n/a n/a
Standard Debit (Classic, Electron, Gold) 1.65% n/a n/a 42
Standard Credit (Classic, Gold) 1.65% n/a n/a 42
Standard Commercial (Platinum, Commercial) 1.85% n/a n/a 42
Standard Signature 2.00% n/a n/a 42
Virgin Island DOMESTIC
Business and Signature Business Card 1.80% n/a n/a 43
Corporate Card 1.80% n/a n/a 43
Purchasing Card 1.80% n/a n/a 43
Infinite Card 1.80% n/a n/a 43
Signature Card 1.80% n/a n/a 43
Secure Electronic Commerce 1.44% n/a n/a 43
Secure Electronic Commerce - Electron Card 1.44% n/a n/a 43
Electronic Commerce Merchant VI 1.44% n/a n/a 44
Electronic Commerce Merchant - Electron Card 1.44% n/a n/a 44
Electronic 1.10% n/a n/a 44
Electronic - Visa Electron 1.10% n/a n/a 44
Issuer Chip VI 1.20% n/a n/a 44
Issuer Chip - Visa Electron VI 1.20% n/a n/a 44
Standard 1.60% n/a n/a 44
Standard - Electron Card 1.60% n/a n/a 45
Visa Assessments 0.0925% x Gross Sales Dollars. All rates are subject to change and include a % + per item
where applicable.
5
6. MasterCard Worldwide April 2010
Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Per Item Max. Page #
Full Debit UCAF 1.15% $0.15 n/a 46
Petroleum CAT/AFD Debit 0.70% $0.17 $0.95 46
Emerging Market Debit 0.80% $0.25 n/a 46
Key-Entered Debit 1.64% $0.16 n/a 46
Restaurant Debit 1.19% $0.10 n/a 46
Petroleum Service Stations Debit 0.70% $0.17 $0.95 47
Small Ticket Debit 1.55% $0.04 n/a 47
Small Ticket Tier 1 Debit 1.30% $0.02 47
Supermarket Debit Base 1.05% $0.15 $0.35 47
Supermarket Debit Tier 1 0.70% $0.15 $0.35 47
Supermarket Debit Tier 2 0.83% $0.15 $0.35 47
Supermarket Debit Tier 3 0.95% $0.15 $0.35 48
Merchant Debit UCAF 1.05% $0.15 n/a 48
Merit I Debit 1.64% $0.16 n/a 48
Merit I Debit - Real Estate 1.10% n/a n/a 48
Merit III Debit 1.05% $0.15 n/a 48
Merit III Debit Tier 1 0.70% $0.15 n/a 48
Merit III Debit Tier 2 0.83% $0.15 n/a 49
Merit III Debit Tier 3 0.95% $0.15 n/a 49
Service Industries (SIIP) Debit 1.15% $0.05 n/a 49
Standard Debit 1.90% $0.25 n/a 49
Travel Industries Premier Service (TIPS) 1.36% $0.15 n/a 49
Utilities Debit n/a $0.45 49
Convenience Purchase Credit 1.90% n/a 1.90% n/a 50
Merchant UCAF Credit 1.58% $0.10 1.73% $0.10 50
Key-Entered Credit 1.89% $0.10 2.04% $0.10 50
Supermarket Credit Base 1.48% $0.05 1.48% $0.05 50
Supermarket Credit Tier 1 1.27% n/a 1.27% n/a 50
Supermarket Credit Tier 2 1.32% n/a 1.32% n/a 51
Supermarket Credit Tier 3 1.42% $0.05 1.42% $0.05 51
Travel Industries Premier Service (TIPS) 1.58% $0.10 1.90% $0.10 51
Full UCAF Credit 1.68% $0.10 1.83% $0.10 51
Merit I Credit 1.89% $0.10 2.04% $0.10 51
Merit I Credit - Insurance 1.43% $0.05 1.43% $0.05 52
Merit I Credit - Real Estate 1.10% n/a 1.10% n/a 52
Merit III Credit Base 1.58% $0.10 1.73% $0.10 52
Merit III Credit Tier 1 1.43% $0.10 1.43% $0.10 52
Merit III Credit Tier 2 1.48% $0.10 1.48% $0.10 52
Merit III Credit Tier 3 1.55% $0.10 1.55% $0.10 52
Petroleum Credit 1.90% n/a $0.95 1.90% n/a $0.95 52
Public Sector Credit 1.55% $0.10 1.55% $0.10 52
Service Industries (SIIP) Credit 1.15% $0.05 1.15% $0.05 53
Standard Credit 2.95% $0.10 2.95% $0.10 53
Utilities Credit n/a $0.65 n/a $0.65 53
MasterCard Consumer Credit Card Rates
World Products
World Card Convenience Purchase 2.00% n/a 54
World Card Full UCAF 1.83% $0.10 55
MasterCard Consumer Credit Card Rates
MasterCard Consumer Debit Card Rates
MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per
item where applicable.
6
7. MasterCard Worldwide April 2010
Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Per Item Max. Page #
World Card Key-Entered 2.05% $0.10 55
World Card Merchant UCAF 1.73% $0.10 55
World Merit I 2.05% $0.10 55
World Merit I - Insurance 1.43% $0.05 55
World Merit I - Real Estate 1.10% n/a 55
World Merit III Base 1.73% $0.10 55
World Merit III Tier 1 1.53% $0.10 56
World Merit III Tier 2 1.58% $0.10 56
World Merit III Tier 3 1.65% $0.10 56
World Petroleum 2.00% n/a $0.95 56
World Public Sector 1.55% $0.10 56
World Restaurant 1.73% $0.10 56
World Service Industries (SIIP) 1.15% $0.05 57
World Card Standard 2.95% $0.10 57
World Card Supermarket Base 1.58% $0.05 57
World Card Supermarket Credit Tier 1 1.37% n/a 57
World Card Supermarket Credit Tier 2 1.42% n/a 57
World Card Supermarket Credit Tier 3 1.52% $0.05 57
World Card T&E 2.30% $0.10 57
World Card Utilities n/a $0.65 58
MasterCard Consumer Credit Card Rates
World Elite Products & World High Value
World Elite Convenience Purchase 2.00% n/a 54
World Elite Full UCAF 2.30% $0.10 54
World Elite Key- Entered 2.50% $0.10 54
World Elite Merchant UCAF 2.20% $0.10 55
World Elite Merit I 2.50% $0.10 55
World Elite Merit I - Insurance 2.20% $0.10 55
World Elite Merit I - Real Estate 2.20% $0.10 55
World Elite Merit III Base 2.20% $0.10 55
World Elite Merit III Tier 1 2.05% $0.10 56
World Elite Merit III Tier 2 2.10% $0.10 56
World Elite Merit III Tier 3 2.15% $0.10 56
World Elite Petroleum 2.00% n/a $0.95 56
World Elite Public Sector 1.55% $0.10 56
World Elite Restaurant 2.20% $0.10 56
World Elite Service Industries (SIIP) 1.15% $0.05 57
World Elite Standard 3.25% $0.10 57
World Elite Supermarket Base 1.90% $0.05 57
World Elite Supermarket Credit Tier 1 1.37% n/a 57
World Elite Supermarket Credit Tier 2 1.42% n/a 57
World Elite Supermarket Credit Tier 3 1.52% $0.05 57
World Elite T&E 2.75% $0.10 57
World Elite Utilities n/a $0.75 58
World Elite T&E Large Ticket 2.00% n/a 58
MasterCard Commercial Card Rates
Commercial Data Rate I Business 2.65% $0.10 59
Commercial Data Rate II Business 2.20% $0.10 59
MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per
item where applicable.
7
8. MasterCard Worldwide April 2010
Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Per Item Max. Page #
Commercial Data Rate II Petroleum Business 2.05% $0.10 59
Commercial Data Rate III Business 1.80% $0.10 60
Commercial Utilities n/a $1.50 60
Commercial Face-to-Face Business 2.20% $0.10 60
Commercial Face-to-Face Petroleum
Business 2.05% $0.10 61
Commercial Large Ticket I, II, III Business 1.25% $40.00 61
Commercial Standard Business 2.95% $0.10 61
Commercial T&E I Business 2.50% n/a 62
Commercial T&E II Business 2.35% $0.10 62
Commercial T&E III Business 2.30% $0.10 62
Commercial Data Rate I Corporate 2.65% $0.10 59
Commercial Data Rate II Corporate 2.15% $0.10 59
Commercial Data Rate II Petroleum
Corporate 2.05% $0.10 59
Commercial Data Rate III Corporate 1.80% $0.10 60
Commercial Face-to-Face Corporate 2.15% $0.10 60
Commercial Face-to-Face Petroleum
Corporate 2.05% $0.10 61
Commercial Large Ticket I, II, III Corporate 1.25% $40.00 61
Commercial Standard Corporate 2.95% $0.10 61
Commercial T&E I Corporate 2.40% n/a 62
Commercial T&E II Corporate 2.25% $0.10 62
Commercial T&E III Corporate 2.20% $0.10 62
Commercial Data Rate I Purchasing 2.65% $0.10 59
Commercial Data Rate II Purchasing 2.40% $0.10 59
Commercial Data Rate II Petroleum
Purchasing 2.05% $0.10 59
Commercial Data Rate III Purchasing 1.80% $0.10 60
Commercial Face-to-Face Purchasing 2.40% $0.10 60
Commercial Face-to-Face Petroleum
Purchasing 2.05% $0.10 61
Commercial Large Ticket I, II, III Purchasing 1.25% $40.00 61
Commercial Standard Purchasing 2.95% $0.10 61
Commercial T&E I Purchasing 2.70% n/a 62
Commercial T&E II Purchasing 2.55% $0.10 62
Commercial T&E III Purchasing 2.50% $0.10 62
Fleet Commercial Data Rate I 2.65% $0.10 59
Fleet Commercial Data Rate II 2.50% $0.10 59
Fleet Commercial Data Rate II Petroleum 2.05% $0.10 59
Fleet Commercial Data Rate III 1.80% $0.10 60
Fleet Commercial Face to Face 2.50% $0.10 60
Commercial Large Ticket I, II, III Fleet 1.25% $40.00 61
Commercial Standard Fleet 2.95% $0.10 61
Commercial T&E I Fleet 2.70% n/a 62
Commercial T&E II Fleet 2.55% $0.10 62
Commercial T&E III Fleet 2.50% $0.10 62
MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per
item where applicable.
8
9. MasterCard Worldwide April 2010
Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Per Item Max. Page #
MasterCard Corporate World & Corporate
World Elite
Commercial World Data Rate I 2.65% $0.10 63
Commercial World Data Rate II 2.15% $0.10 63
Commercial World Data Rate II Petroleum 2.05% $0.10 63
Commercial World Data Rate III 1.80% $0.10 64
Commercial World Face-to-Face 2.15% $0.10 64
Commercial World Face-to-Face Petroleum 2.05% $0.10 64
Commercial World Large Ticket I, II, III 1.25% $40.00 65
Commercial World Standard 2.95% $0.10 65
Commercial World T&E I 2.40% n/a 65
Commercial World T&E II 2.25% $0.10 65
Commercial World T&E III 2.20% $0.10 66
MasterCard Business World, World Elite &
Business Enhanced
Business World Data Rate I 2.82% $0.10 63
Business World Data Rate II 2.37% $0.10 63
Business World Data Rate II Petroleum 2.22% $0.10 63
Business World Data Rate III 1.97% $0.10 64
Business World Face-to-Face 2.37% $0.10 64
Business World Face-to-Face Petroleum 2.22% $0.10 64
Business World Large Ticket I, II, III 1.42% $40.00 65
Business World Standard 3.12% $0.10 65
Business World T&E I 2.67% n/a 65
Business World T&E II 2.52% $0.10 65
Business World T&E III 2.47% $0.10 66
Business World Elite Data Rate I 2.87% $0.10 63
Business World Elite Data Rate II 2.42% $0.10 63
Business World Elite Data Rate II Petroleum 2.27% $0.10 63
Business World Elite Data Rate III 2.02% $0.10 64
Business World Elite Face-to-Face 2.42% $0.10 64
Business World Elite Face-to-Face Petroleum 2.27% $0.10 64
Business World Elite Large Ticket I, II, III 1.47% $40.00 65
Business World Elite Standard 3.17% $0.10 65
Business World Elite T&E I 2.72% n/a 65
Business World Elite T&E II 2.57% $0.10 65
Business World Elite T&E III 2.52% $0.10 66
Business Enhanced Data Rate I 2.77% $0.10 63
Business Enhanced Data Rate II 2.32% $0.10 63
Business Enhanced Data Rate II Petroleum 2.17% $0.10 63
Business Enhanced Data Rate III 1.92% $0.10 64
Business Enhanced Face-to-Face 2.32% $0.10 64
Business Enhanced Face-to-Face Petroleum 2.17% $0.10 64
Business Enhanced Large Ticket I, II, III 1.37% $40.00 65
Business Enhanced Standard 3.07% $0.10 65
Business Enhanced T&E I 2.62% n/a 65
Business Enhanced T&E II 2.47% $0.10 65
MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per
item where applicable.
9
10. MasterCard Worldwide April 2010
Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Per Item Max. Page #
Business Enhanced T&E III 2.42% $0.10 66
Business Enhanced Utilities n/a $1.50 66
Consumer Interregional Commercial Premium
2.00% n/a 66
Consumer Interregional Commercial Premium
(LAC) 2.00% n/a 66
MasterCard International Rates
International Consumer Electronic 1.10% n/a 67
International Consumer Standard 1.60% 67
International Electronic Full UCAF 1.54% 67
International Electronic Merchant UCAF 1.44% 68
International Purchasing Large Ticket 0.90% $30.00 68
International Purchasing Data Rate II 1.70% n/a 69
International Commercial Purchasing 2.00% n/a 69
International Commercial 2.00% n/a 69
Interregional Electronic Card Consumer 1.10% 69
Interregional Electronic Card Commercial 1.85% 69
MasterCard Consumer Credit Card, World
Card Refund Rates
Consumer Credit Refund Group 1 2.42% 66
Consumer Credit Refund Group 2 2.09% 58 / 66
Consumer Credit Refund Group 3 1.95% 58 / 66
Consumer Credit Refund Group 4 1.82% 58 / 66
Consumer Credit Refund Group 5 1.73% 58 / 66
MasterCard Consumer Debit Card Refund
Rates
Consumer Debit Refund Group 1 1.72% 49
Consumer Debit Refund Group 3 1.40% 49
MasterCard Corporate Card Refund Rates
Corporate Refund Group 1 2.37% 53 / 62
Corporate Refund Group 2 2.30% 53 / 62
Corporate Refund Group 3 2.21% 53 / 62
Corporate Refund Group 4 2.16% 53 / 62
MasterCard Cross-border fees
Cross-border US charge type 6959 $0.0030
Cross-border Non-US charge type 6958 $0.0040
Acquirer Program Support fee assessment 0.45%
MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per
item where applicable.
10
11. Discover April 2010
Category Rate & Per Item Page #
Discover Prime
Credit Rate Premium
Rate
Rewards
Rate
Debit Rate
Prime Recurring Payments 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 70
Prime Utilities 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 70
Prime Real Estate 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 70
Prime Insurance 1.43% + $0.05 1.43% + $0.05 1.43% + $0.05 0.80% + $0.25 70
Prime Supermarkets 1.40% + $0.05 1.65% + $0.05 1.65% + $0.05 (1.02% + $0.16)
(0.00% + $0.36) 70
Prime Emerging Markets 1.45% + $0.05 1.45% + $0.05 1.45% + $0.05 0.90% + $0.20 70
Prime Public Services 1.50% + $0.10 1.50% + $0.10 1.50% + $0.10 0.90% + $0.20 70
Prime Express Services 1.70% + $0.03 1.70% + $0.03 1.70% + $0.03 1.55% + $0.04 70
Prime Petroleum 1.55% + $0.05 1.73% + $0.05 1.73% + $0.05 0.76% + $0.16 70
Prime Retail 1.56% + $0.10 1.71% + $0.10 1.71% + $0.10 1.02% + $0.16 71
Prime Restaurants 1.56% + $0.10 2.20% + $0.10 1.90% + $0.10 1.19% + $0.10 71
Prime Hotels/Car Rentals 1.58% + $0.10 2.30% + $0.10 1.90% + $0.10 1.35% + $0.16 71
Prime Card Not Present/E-Commerce 1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16 71
Prime Key Entry 1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16 71
Discover Mid
Mid Submission Level 2.40% + $0.10 2.40% + $0.10 1.72% +$0.20 71
Mid Submission Level Premium 2.40% + $0.10 71
Discover Base
Base Submission Level 2.95% + $0.10 2.95% + $0.10 2.95% + $0.10 1.89% + $0.25 71
Discover Commercial
Commercial Utilities 0.00% + $1.50 71
Commercial Electronic 2.30% + $0.10 72
Commercial Base 2.95% + $0.10 72
Discover International
International Electronic Program 1.16% + $0.00 72
International Base Program 1.70% + $0.10 72
Discover Voucher
Consumer Core Consumer Adjustment Voucher
Program 1: Direct Marketing MCCs
2.07% 2.07% 2.07% 1.80%
72
Consumer Core Consumer Adjustment Voucher
Program 3: Non Direct Marketing/ Passenger
Transport
1.75% 1.75% 1.75% 1.35%
72
International Adjustment Voucher Program 0.00% + $0.00 72
Commercial Adjustment Voucher Program 2.25% + $0.00 72
The Discover rates shall only apply if First National Bank of Omaha settles payment for Discover transactions for
the Merchant. 11
12. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Account Funding Debit
1514, 1515
• Card not present, secure E-commerce transaction
• Used when cardholder is funding brokerage and escrow accounts
• Processing code value for account funding must be present in authorization data
• One electronic authorization per clearing transaction
• AVS required in authorization, and optional in settlement
• Meets enhanced clearing data requirements
• Settlement within two business days from transaction date, including:
o Purchase date within one day of authorization date
o Customer service telephone number, e-mail address or URL in the descriptor city
field
o Source amount equal to authorized amount
o Mail/ Telephone order/ E-commerce indicator
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.75% $0.20
CPS Automated Fuel Debit
1594, 1595, 1597, 1598
• Card present and no verifiable cardholder identification obtained
• Single electronic authorization = $1 status check
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Merchant name and location included in authorization – credit and debit
• Transaction originates at a cardholder activated, self-service terminal connected to
an AFD
• Card activated terminal code (CAT) =3
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Clearing amount must be equal to or less than $125
• Meets enhanced clearing data requirements
• Valid MCC: 5542 Automated Fuel Dispensers
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.75% $0.17 $0.95
CPS Car Rental Debit
1580, 1581
• Card present, signature obtained
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s).
• Electronic authorizations must include the following:
o Estimated length of car rental
o Market-specific indicator
• Settlement within two business days from transaction date, including:
o Car rental check-out date
o Transaction date equal to the car rental return date
o Market-specific authorization data indicator included from authorization
o Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges, if applicable
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.36% $0.15
12
13. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Car Rental – Card Not
Present
1570, 1571,1580, 1581
• Card not present, signature not required
• Applies to advance deposits, no-shows, or other key-entered transactions in which
the length of stay or rental is more than one day and a preferred customer indicator
is provided
• Key entry permitted
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s)
• Electronic authorization must include the following:
o Estimated length of stay or car rental
o Market-specific indicator
o Preferred customer indicator
• Settlement within two business days of transaction date, including:
o Hotel check-in or car rental check-out date
o Transaction date equal to the hotel check-out date or car rental return date
o Market-specific authorization data indicator included from authorization
o Folio number or Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges and/or no shows, if applicable
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.36% $0.15
CPS Card Not Present Debit
1590, 1591
• Card not present, mail or telephone order
• AVS required in auth & settlement, except for:
o Non-bill payment transactions for healthcare & select developing markets or utility
MCCs
o Bill payment trans
• One electronic autho per clearing transaction – one reversal permitted to make the
total authorized amount equal to the clearing amount
• Purchase date (ship date/transaction date) within seven calendar days after the
auth date
• Meets enhanced clearing data requirements
• Settle within two business days from tran date, including:
o Purchase date, which is ship date up to seven days after authorization
o Customer service telephone number, e-mail address or URL in the descriptor city
field
o Order number (purchase ID or invoice number)
o Mail/Telephone Order E-commerce indicator
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.60% $0.10
CPS Debit Tax Payment 1
Debit
1034, 1035
• Card present and signature obtained
• Only MCC 9311 is eligible
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request if card is present
• Authorization amount must match clearing amount exactly.
• Merchant name and location must be included in authorization request
• Transaction date must be within one day of authorization date
• Merchant registration (MVV) code included
• Transaction amount $4.00 or greater
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Additional fields required in merchant name fields for settlement
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
$2.50
13
14. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Debit Tax Payment 2
Debit
1037, 1038
• Card present and signature obtained
• Only MCC 9311 is eligible
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request if card is present
• Authorization amount must match clearing amount exactly.
• Merchant name and location must be included in authorization request
• Transaction date must be within one day of authorization date
• Merchant registration (MVV) code included
• Convenience Fees < $4.00 ($3.95 Visa limit)
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Additional fields required in merchant name fields for settlement
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.00% $0.00
CPS Debt Repayment
1024, 1025
• Must meet CPS requirements of CPS Retail, CPS Card Not Present, CPS Retail
Key Entry, CPS Electronic Commerce Basic, CPS Electronic Commerce Preferred
Retail
• Special condition indicator of existing debt must = y
• Market specific indicator is B
• Processing Code of 50, auth indicator of Y
• MVV code required (registration required)
• Only MCCs 6012 and 6051 are eligible
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.35% $0.50
CPS E-Commerce Debit
Basic
1584, 1585
• Card not present
• Identified as an e-commerce transaction processed in a secure environment
• One electronic auth/clearing transaction, one reversal permitted to make the total
auth amount = to the clearing amount
• AVS is required in auth & optional in settlement
• Meets enhanced clearing data requirements
• Purchase Date (ship date/transaction date) must be w/in 7 calendar days after the
auth date
• Settlement w/in 2 business days from transaction date, including:
o Purchase date, which is ship date up to 7 days after authorization
o Customer service phone #, email address or URL in the descriptor city field
o Order number (purchase ID or invoice number)
o Mail/Telephone Order, E-commerce indicator
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
• Aggregated micro-payments up to $15 must support partial auth, must pass
market-specific indicator of E & meet other requirements for participation including
autho indicator of Y. Single, electronic auth up to $15 aggregated purchases up to
authorized amount allowed over 3 days; a single clearing transaction submitted.
1.60% $0.15
14
15. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS E-Commerce Car Rental
Preferred Debit
1080, 1081
• Card and cardholder are not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
Service
• Must receive “authentication confirmed” or “attempt” response
• Multiple authorizations and one reversal allowed to make the total amount
authorized=clearing amount
• Authorization must include the following:
o Estimated length of car rental
o Preferred customer indicator
o 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic
Commerce Transaction Identifier (XID/Transtain)
• Settlement within two business days from transaction date, including:
o Identical car return date
o Car check-out date
o Market-Specific Authorization Data Indicator included from authorization
o Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges, if applicable
o No show indicator, if applicable
o Customer Service phone number, email address or URL in the descriptor city field
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.36% $0.15
CPS E-Commerce Hotel
Preferred Debit
1080, 1081
• Card and cardholder are not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
Service
• Must receive “authentication confirmed” or “attempt” response
• Multiple authorizations and one reversal allowed to make the total amount
authorized=clearing amount
• Authorization must include the following:
o Estimated length of stay
o Preferred customer indicator
o 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic
Commerce Transaction Identifier (XID/Transtain)
• Settlement within two business days from transaction date, including:
o Identical hotel check-out
o Hotel check-in date
o Market-Specific Authorization Data Indicator included from authorization
o Folio number
o Total authorized amount
o Indicators for ancillary charges, if applicable
o No show indicator, if applicable
o Customer Service phone number, email address or URL in the descriptor city field
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.36% $0.15
15
16. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS E-Commerce Preferred
Debit
1054, 1055
• Card not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
service
• Must receive “authentication confirmed” or “attempt” response
• One electronic auth per clearing tran–one reversal permitted to make total auth
amount equal to clearing amount
• AVS is required in auth & optional for settlement
• Auth must include:
o 3D Secure fields (CAVV, ECI and XID/Transtain)
• Meets enhanced clearing data requirements
• Purchase Date (ship date/transaction date) must be within 7 calendar days after
the auth date
• Settle w/in 2 business days from tran date, including:
o Purchase date, which is ship date up to 7 days after auth
o Customer service phone #, email address or URL in the descriptor city field
o Order number (purchase ID or invoice number)
o Total authorized amount
o Mail/Telephone Order E-commerce indicator
• MCCs not eligible: 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound
or 5967 Direct Marketing-Inbound
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
• 3-D transactions are exempt from fraud-related chargebacks
1.55% $0.15
CPS Hotel Debit
1570, 1571
• Card present, signature obtained
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s).
• Electronic authorizations must include the following:
o Estimated length of stay
o Market-specific indicator
• Settlement within two business days from transaction date, including:
o Hotel check-in date
o Transaction date equal to the hotel check-out date
o Market-specific authorization data indicator included from authorization
o Folio number
o Total authorized amount
o Indicators for ancillary charges, if applicable
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.36% $0.15
16
17. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Hotel Debit – Card Not
Present
• Card not present, signature not required
• Applies to advance deposits, no-shows, or other key-entered transactions in which
the length of stay or rental is more than one day and a preferred customer indicator
is provided
• Key entry permitted
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s)
• Electronic authorization must include the following:
o Estimated length of stay
o Market-specific indicator
o Preferred customer indicator
• Settlement within two business days of transaction date, including:
o Hotel check-in date
o Transaction date equal to the hotel check-out date
o Market-specific authorization data indicator included from authorization
o Folio number
o Total authorized amount
o Indicators for ancillary charges and/or no shows, if applicable
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.36% $0.15
CPS Restaurant Debit
1547, 1548
• Card present, signature required for transactions greater than $25
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Merchant name and location must be included in authorization request – debit
cards only
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid MCCs: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.19% $0.10
CPS Retail Debit
1560, 1561
• Card present and signature obtained
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Authorization amount must match clearing amount exactly. MCCs exempt from this
requirement are: 4124 Taxis and Limos, 5813 Bars, 7230 Beauty and Barber Shops,
7298 Health and Beauty Spas
• Merchant name and location must be included in authorization request
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• MCCs not eligible: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants,
5541 Service Stations, 5411 Grocery Stores/Supermarkets, 5962 Direct Marketing-
Travel, 5966 Direct Marketing-Outbound, 5967 Direct Marketing-Inbound
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.95% $0.20
CPS Retail Debit Threshold I • Performance-based minimum requirements: Threshold I - 42 million transactions,
$2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Retail Debit.
0.62% $0.13
17
18. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Retail Debit Threshold II • Performance-based minimum requirements: Threshold II - 22 million transactions,
$1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Retail Debit.
0.81% $0.13
CPS Retail Debit Threshold
III
1577,1578
• Performance-based minimum requirements: Threshold III - 6.7 million
transactions, $350 million volume, 0.016% debit chargeback ratio, 0.035% credit
chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications
same as CPS Retail Debit.
0.92% $0.15
CPS Retail Key Entry Debit
1510, 1511
• Cardholder present and signature obtained
• Card present with key-entry due to failure in reading the magnetic stripe
• Does not apply to mail/telephone order or e-commerce
• One electronic authorization per clearing transaction
• Meets enhanced clearing data requirements
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Address Verification Service (AVS) with Zip Code Match (the following codes will
qualify) : B, C, D, G, I, M, P, R, S, U, W, X, Y, Z
• MCCs not eligible: 5542 Automated Fuel Dispensers, 5960 through 5969 Direct
Marketing
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.60% $0.15
CPS Retail Service Station
Debit
1557, 1558
• Card present, signature not required for transactions less than $25
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Merchant name and location must be included in authorization request
• Authorization amount must match clearing amount exactly
• Clearing amount must be equal to or less than $125
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid MCC: 5541 Service Stations
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.75% $0.17 $0.95
CPS Retail 2 Debit
1530, 1531
• One electronic authorization per clearing transaction
• Authorization obtained on the transaction date
• Mail/Telephone order and face-to-face - settlement within three business days from
transaction date
• All other MCCs - settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Meets requirements for one of the five following CPS programs: Retail debit, Retail
Key Entry debit, Card Not Present debit, E-Commerce Basic debit, or E-Commerce
Preferred debit.
• Valid MCCs: 9211 Court Costs, 9222 Fines-Gov’t, 9399 Gov’t Services, 8211
Elementary/Secondary Schools, 8220 Colleges/Universities, 8299 Education
Services, 5960 Direct Marketing-Insurance Services, 5968 Direct Marketing-
Subscriptions, 5983 Fuel Dealers, 6300 Insurance Underwriting, 4899
Cable/Satellite-and other Pay TV & Radio, 8351 Child Care, 8398 Charities
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.80% $0.25
18
19. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Small Ticket Debit
1527, 1528
• Card present, cardholder signature is not required
• One electronic authorization per clearing transaction
• Transaction amount must be $15 or less
• Entire magnetic stripe contents or unaltered chip data included in authorization
request including merchant name and location
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Cardholder ID method can not equal unattended terminal
• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/Limousines, 4131
Bus Lines, 4784 Tolls and Bridge fees, 5812 Eating Places/Restaurants, 5814 Fast
Food Restaurants, 5994 News Dealers and News stands, 7211 Laundries, 7216 Dry
Cleaners, 7338 Quick Copy Services, 7523 Parking Lots/Garages, 7542 Car
Washes, 7832 Motion Pictures Theaters, 7841 Video Tape Rental Stores
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.55% $0.04
CPS Supermarket Debit
1550, 1551, 1567, 1568
• Card present and signature obtained
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Authorization amount must match clearing amount exactly
• Merchant name and location must be included in the authorization request
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid Merchant Category Code (MCC): 5411 Grocery Stores/Supermarkets
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
0.95% $0.20 $0.35
CPS Supermarket Debit
Threshold I
Performance-based minimum requirements: Threshold I - 42 million transactions,
$2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Supermarket Debit.
0.62% $0.13 $0.35
CPS Supermarket Debit
Threshold II
• Performance-based minimum requirements: Threshold II - 22 million transactions,
$1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Supermarket Debit.
0.81% $0.13 $0.35
CPS Supermarket Debit
Threshold III
• Performance-based minimum requirements: Threshold III - 6.7 million transactions,
$350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Supermarket Debit.
0.92% $0.15 $0.35
Electronic, EIRF Debit Fuel
1027, 1028
• Electronic authorization
• Key-entry permitted
• Settlement within three business days from transaction date
• MCCs 5962, 5966, 5967 are not eligible
• MCCs 5541 & 5542 Only
1.75% $0.20 $0.95
Electronic, EIRF Debit
1520, 1521
• One authorization per clearing transaction
• Key entry permitted
• Settlement within three business days from transaction date
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.75% $0.20
19
20. Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
Standard Debit
1500, 1501
• Authorization Required
• Settlement within 30 days of authorization.
• Please note: This is the only rate available for non-secure electronic commerce
transactions as well as MCCs 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound, 5967 Direct Marketing-Inbound
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.90% $0.25
Utility Debit
1030, 1031
• Merchant Category Code must be 4900 Utilities
• Registered with Visa and assigned Merchant Verification Value (MVV)
• Must meet requirements for one of the following programs: CPS Retail 2, CPS
Card Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS
Retail Key-Entry, CPS Retail
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
$0.75
Visa Debit Refund Rates
Credit Voucher Consumer
Non-Passenger Transport
1524, 1525
• Applies to cardholder returns on consumer cards
• Applies to all merchants except passenger transport (ie: railways, airlines) and
MO/TO, E-Commerce
• Applies to High Risk Direct Marketing MCCs 5962,5966, 5967
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.31%
Credit Voucher Consumer
MO/TO and E-Commerce
1574, 1575
• Applies to cardholder returns on consumer cards
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
• Excludes High Risk Direct Marketing MCCs 5962, 5966, 5967
1.87%
20
21. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS Account Funding
1214, 1215, 1216, 1516, 1517 • Card not present, secure E-commerce transaction
• Used when cardholder is funding brokerage and escrow accounts
• Processing code value for account funding must be present in authorization data
• One electronic authorization per clearing transaction
• AVS required in authorization, and optional in settlement
• Meets enhanced clearing data requirements
• Settlement within two business days from transaction date, including:
o Purchase date within one day of authorization date
o Customer service telephone number, e-mail address or URL in the descriptor city
field
o Source amount equal to authorized amount
o Mail/ Telephone order/ E-commerce indicator
2.14% $0.10
CPS Automated Fuel Dispenser
1294, 1295, 1296, 1596
• Card present and no verifiable cardholder identification obtained
• Single electronic authorization = $1 status check
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Merchant name and location included in authorization
• Transaction originates at a cardholder activated, self-service terminal connected to
an AFD
• Card activated terminal code (CAT) =3
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Clearing amount must be equal to or less than $125
• Meets enhanced clearing data requirements
• Valid MCC: 5542 Automated Fuel Dispensers
1.15% $0.25
CPS Car Rental Credit
1280, 1281, 1282, 1582, 1583
• Card present, signature obtained
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s).
• Electronic authorizations must include the following:
o Estimated length of car rental
o Market-specific indicator
• Settlement within two business days from transaction date, including:
o Car rental check-out date
o Transaction date equal to the car rental return date
o Market-specific authorization data indicator included from authorization
o Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges, if applicable
1.54% $0.10
21
22. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS Car Rental – Card Not Present
1270, 1271, 1272, 1572, 1573
• Card not present, signature not required
• Applies to advance deposits, no-shows, or other key-entered transactions in which
the length of rental is more than one day and a preferred customer indicator is
provided
• Key entry permitted
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s)
• Electronic authorization must include the following:
o Estimated length of car rental
o Market-specific indicator
o Preferred customer indicator
• Settlement within two business days of transaction date, including:
o Car rental check-out date
o Transaction date equal to the car rental return date
o Market-specific authorization data indicator included from authorization
o Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges and/or no shows, if applicable
1.54% $0.10
CPS Card Not Present Credit
1290, 1291, 1292, 1592, 1593
• Card not present, mail or telephone order
• AVS is required in authorization and settlement, except for:
o Non-bill payment transactions for healthcare and select developing markets or utility
MCCs
o Bill payment transactions
• One electronic authorization per clearing transaction – one reversal permitted to
make the total authorized amount equal to the clearing amount
• Purchase date (ship date/transaction date) must be within seven calendar days after
the authorization date
• Meets enhanced clearing data requirements
• Settlement within two business days from transaction date, including:
o Purchase date, which is ship date up to seven days after authorization
o Customer service telephone number, e-mail address or URL in the descriptor city
field
o Order number (purchase ID or invoice number)
o Mail/Telephone Order E-commerce indicator
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
1.80% $0.10
CPS E-Commerce Basic Credit
1284, 1285, 1286, 1586, 1587
• Card not present
• Identified as an e-commerce transaction processed in a secure environment
• One electronic authorization per clearing transaction – one reversal permitted to
make the total authorization amount equal to the clearing amount
• AVS is required in authorization, and optional in settlement
• Meets enhanced clearing data requirements
• Purchase Date (ship date/transaction date) must be within seven calendar days
after the authorization date
• Settlement within two business days from transaction date, including:
o Purchase date, which is ship date up to seven days after authorization
o Customer service phone number, email address or URL in the descriptor city field
o Order number (purchase ID or invoice number)
o Mail/Telephone Order, E-commerce indicator
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
• Aggregated micro-payments up to $15 must support partial authorization, must pass
market-specific indicator of E and meet other requirements for participation including
autho indicator of Y. Single, electronic auth up to $15 aggregated
purchases up to authorized amount allowed over three days; a single clearing
transaction submitted.
1.80% $0.10
22
23. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS E-Commerce Preferred Car
Rental Credit
1380, 1381, 1382, 1082
• Card and cardholder are not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
Service
• Must receive “authentication confirmed” or “attempt” response
• Multiple authorizations and one reversal allowed to make the total amount
authorized=clearing amount
• Authorization must include the following:
o Estimated length of car rental
o Preferred customer indicator
o 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic
Commerce Transaction Identifier (XID/Transtain)
• Settlement within two business days from transaction date, including:
o Identical car return date
o Car check-out date
o Market-Specific Authorization Data Indicator included from authorization
o Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges, if applicable
o No show indicator, if applicable
o Customer Service phone number, email address or URL in the descriptor city field
1.54% $0.10
CPS E-Commerce Preferred Hotel
Credit
1380, 1381, 1382, 1082
• Card and cardholder are not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
Service
• Must receive “authentication confirmed” or “attempt” response
• Multiple authorizations and one reversal allowed to make the total amount
authorized=clearing amount
• Authorization must include the following:
o Estimated length of stay
o Preferred customer indicator
o 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic
Commerce Transaction Identifier (XID/Transtain)
• Settlement within two business days from transaction date, including:
o Identical hotel check-out date
o Hotel check-in date
o Market-Specific Authorization Data Indicator included from authorization
o Folio number
o Total authorized amount
o Indicators for ancillary charges, if applicable
o No show indicator, if applicable
o Customer Service phone number, email address or URL in the descriptor city field
1.54% $0.10
23
24. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS E-Commerce Preferred Credit
1056, 1254, 1255, 1256
• Card not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
service
• Must receive “authentication confirmed” or “attempt” response
• One electronic authorization per clearing transaction – one reversal permitted to
make the total authorization amount equal to the clearing amount
• AVS is required in authorization and optional for settlement
• Authorization must include the following:
o 3D Secure fields (CAVV, ECI and XID/Transtain)
• Meets enhanced clearing data requirements
• Purchase Date (ship date/transaction date) must be within seven calendar days
after the authorization date
• Settlement within two business days from transaction date, including:
o Purchase date, which is ship date up to seven days after authorization
o Customer service telephone number, e-mail address or URL in the descriptor city
field
o Order number (purchase ID or invoice number)
o Total authorized amount
o Mail/Telephone Order E-commerce indicator
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
Please note: 3-D transactions are exempt from fraud-related chargebacks
• Aggregated micro-payments up to $15 must support partial authorization, must
pass market-specific indicator of E and meet other requirements for participation
including autho indicator of Y. Single, electronic auth up to $15 aggregated
purchases up to authorized amount allowed over three days; a single clearing
transaction submitted.
1.80% $0.10
CPS Hotel Credit
1270, 1271, 1272, 1572, 1573
• Card present, signature obtained
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s).
• Electronic authorizations must include the following:
o Estimated length of stay
o Market-specific indicator
• Settlement within two business days from transaction date, including:
o Hotel check-in date
o Transaction date equal to the hotel check-out date or car rental return date
o Market-specific authorization data indicator included from authorization
o Folio number
o Total authorized amount
o Indicators for ancillary charges, if applicable
1.54% $0.10
24
25. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS Hotel – Card Not Present
1270, 1271, 1272, 1572, 1573
• Card not present, signature not required
• Applies to advance deposits, no-shows, or other key-entered transactions in which
the length of stay or rental is more than one day and a preferred customer indicator is
provided
• Key entry permitted
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s)
• Electronic authorization must include the following:
o Estimated length of stay
o Market-specific indicator
o Preferred customer indicator
• Settlement within two business days of transaction date, including:
o Hotel check-in date
o Transaction date equal to the hotel check-out date
o Market-specific authorization data indicator included from authorization
o Folio number
o Total authorized amount
o Indicators for ancillary charges and/or no shows, if applicable
1.54% $0.10
CPS Restaurant Credit
1247, 1248, 1249, 1549
• Card present, signature required for transactions greater than $25
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid MCCs: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants
1.54% $0.10
CPS Retail Credit
1260, 1261, 1262, 1562, 1563
• Card present and signature obtained
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• MCC must be non-travel service
1.54% $0.10
CPS Retail Credit Threshold I • Performance-based minimum requirements: Threshold I - 42 million transactions,
$2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Retail Credit
1.43% $0.10
CPS Retail Credit Threshold II
1277, 1278
• Performance-based minimum requirements: Threshold II - 22 million transactions,
$1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail
Credit
1.47% $0.10
CPS Retail Credit Threshold III • Performance-based minimum requirements: Threshold III - 6.7 million transactions,
$350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Retail Credit
1.51% $0.10
CPS Retail Key Entry Credit
1210, 1211, 1212, 1512, 1513
• Cardholder present and signature obtained
• Card present with key-entry due to failure in reading the magnetic stripe
• Does not apply to mail/telephone order or e-commerce
• One electronic authorization per clearing transaction
• Meets enhanced clearing data requirements
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Address Verification Service (AVS) with Zip Code Match (the following codes will
qualify) : B, C, D, G, I, M, P, R, S, U, W, X, Y, Z
• MCCs not eligible: 5542 Automated Fuel Dispensers, 5960 through 5969 Direct
Marketing
1.80% $0.10
25
26. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS Retail Service Station Credit
1257, 1258, 1259, 1559
• Card present, signature not required for transactions less than $25
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Transaction date must be within one day of authorization date
• Clearing amount must be equal to or less than $125
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid MCC: 5541 Service Stations
1.15% $0.25
CPS Retail 2 Credit
1230, 1231, 1232, 1532, 1533
• One electronic authorization per clearing transaction
• Authorization obtained on the transaction date
• Settlement within three business days from transaction date – for mail/ telephone
order and face-to-face, all others settlement within two business days from
transaction date
• Meets enhanced clearing data requirements
• Meets requirements for one of the five following CPS programs: Retail, Retail Key
Entry, Card Not Present, E-Commerce Basic, or E-Commerce Preferred.
• Valid MCCs: 9211 Court Costs, 9222 Fines-Gov’t, 9399 Gov’t Services, 8211
Elementary/Secondary Schools, 8220 Colleges/Universities, 8299 Education
Services, 5960 Direct Marketing-Insurance Services, 5968 Direct Marketing-
Subscriptions, 5983 Fuel Dealers, 6300 Insurance Underwriting, 4899 Cable/Satellite-
and other Pay TV & Radio, 8351 Child Care, 8398 Charities
1.43% $0.05
CPS Small Ticket Credit
1227, 1228, 1229, 1529
• Card present, cardholder signature is not required
• One electronic authorization per clearing transaction
• Transaction amount must be $15 or less
• Entire magnetic stripe contents or unaltered chip data included in authorization
request including merchant name and location
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Cardholder ID method can not equal unattended terminal
• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/Limousines, 4131
Bus Lines, 4784 Tolls and Bridge fees, 5812 Eating Places/Restaurants, 5814 Fast
Food Restaurants, 5994 News Dealers and News stands, 7216 Dry Cleaners, 7211
Laundries, 7216 Dry Cleaners, 7338 Quick Copy Services, 7523 Parking
Lots/Garages, 7542 Car Washes, 7832 Motion Pictures Theaters, 7841 Video Tape
Rental Stores, 5541 Service Station
1.65% $0.04
CPS Supermarket Credit
1250, 1251, 1252, 1552, 1553
• Card present and signature obtained
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid Merchant Category Code (MCC): 5411 Grocery Stores/Supermarkets
1.24% $0.05
CPS Supermarket Credit
Threshold I
Performance-based minimum requirements: Threshold I - 42 million transactions,
$2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Supermarket Credit
1.15% $0.05
CPS Supermarket Credit
Threshold II
• Performance-based minimum requirements: Threshold II - 22 million transactions,
$1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Supermarket Credit
1.20% $0.05
26
27. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
CPS Supermarket Credit
Threshold III
• Performance-based minimum requirements: Threshold III - 6.7 million transactions,
$350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Supermarket Credit
1.22% $0.05
EIRF Credit
1220, 1221, 1222, 1522, 1523
• One authorization per clearing transaction
• Key entry permitted
• Settlement within three business days from transaction date
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
2.30% $0.10
Business to Business Signature
Preferred
1Y57, 1Y58
• Visa Signature Preferred card used at Business to Business Merchant
• U.S. merchant and U.S. Acquirer
• Transaction must be CPS qualified
• Level II data requirements are not applicable to Signature cards
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
• MCCs eligible: see list in commercial B2B
2.10% $0.10
CNP Signature Preferred
1Y50, 1Y51
• Visa Signature Preferred card used at non-Travel Services Merchant
• U.S. merchant and U.S. Acquirer
• Transaction must be CPS qualified for one of the following programs: CPS Card
Not Present, CPS E-Commerce Basic or Preferred, CPS Retail/2, or CPS Account
Funding
• Level II data requirements are not applicable to Signature cards
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
• MCC must be non-travel service
2.40% $0.10
Electronic Signature Preferred
1Y40, 1Y41
• Visa Signature Preferred Card used at Travel Service Merchant
• Transaction must be CPS qualified
• Level II data requirements are not applicable to Signature cards
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
• MCC must be non-travel service
2.40% $0.10
Fuel Signature Preferred
1Y30, 1Y31
• Card present, signature not required for transactions less than $25 (MCC 5541 only)
• One electronic authorization per clearing transaction
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• Valid MCC: 5541 Service Stations & 5542 AFDs
1.15% $0.25
Retail Signature Preferred
1Y54, 1Y55
• Visa Signature Preferred card used at non-Travel Services Merchant
• U.S. merchant and U.S. Acquirer
• Transaction must be CPS qualified for one of the following programs: CPS Retail,
CPS Supermarket, CPS Retail Key Entry, CPS Small Ticket
• Level II data requirements are not applicable to Signature cards
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
• MCC must be non-travel service
2.10% $0.10
27
28. Visa Qualification Criteria
Consumer Credit
Interchange Program Interchange Summary Description Rate
Per
Item
Standard Signature Preferred
1Y00, 1Y01
• Visa Signature Preferred Card used at Travel Service Merchant
• Authorization
• Settle within 30 days of transaction date
2.95% $0.10
Signature Electronic (EIRF)
1T20, 1T21, 1T22
• Best rate for Visa Signature and Infinite card transactions from Travel Service
Merchants
• One authorization per clearing transaction
• Key entry permitted
• Settlement within three business days from transaction date
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
2.30% $0.10
Signature Card Rewards 1
1340, 1341
• Must meet requirements for one of the following programs: CPS Automated Fuel
Dispenser, CPS Service Station, CPS Retail Thresholds I-III, CPS Retail, CPS
Supermarket Thresholds I – III, CPS Supermarket
1.65% $0.10
Signature Card Rewards 2
1344, 1345
• Must meet requirements for one of the following programs: CPS Card Not Present,
CPS E-Commerce Basic, CPS Retail Key Entry
1.95% $0.10
Standard Credit
1200, 1201, 1202, 1502, 1503
• Authorization required
• Settlement within 30 days of authorization
• Please note: This is the only rate available for non-secure electronic commerce
transactions as well as MCCs 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound, 5967 Direct Marketing-Inbound
2.70% $0.10
Traditional Rewards I
1300, 1301
• Must meet requirements for one of the following programs: CPS Automated Fuel
Dispenser, CPS Retail Service Station Credit, CPS Retail Credit, CPS Supermarket
Credit
1.65% $0.10
Traditional Rewards II
1304, 1305
• Must meet requirements for one of the following programs: CPS Restaurant Credit,
CPS Card Not Present, CPS E-Commerce Basic Credit, CPS E-Commerce Preferred
Hotel and Car Rental Credit, CPS Hotel and Car Rental Credit, CPS Retail Key Entry
Credit
1.95% $0.10
Utility Credit
1032, 1330, 1331, 1332
• Merchant Category Code must be 4900 Utilities
• Registered with Visa and assigned Merchant Verification Value (MVV)
• Must meet requirements for one of the following programs: CPS Retail 2, CPS Card
Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-
Entry, CPS Retail
$0.75
Visa Consumer Credit Refund Rates International Issued – CREDIT ONLY
• No distinction from domestic
Credit Voucher Consumer Non-
Passenger Transport
1224, 1225, 1226, 1526
• Applies to cardholder returns on consumer cards
• Applies to all merchants except passenger transport (ie: railways, airlines) and
MO/TO, E-Commerce
• Applies to High Risk Direct Marketing MCCs 5962,5966, 5967
1.76%
Credit Voucher Consumer MO/TO
and E-Commerce
1274, 1275, 1276, 1576
• Applies to cardholder returns on consumer cards
• Excludes High Risk Direct Marketing MCCs 5962, 5966, 5967
2.05%
28
29. Visa Qualification Criteria
Commercial Programs
Interchange Program Interchange Summary Description
Corporate
Rate
Business
Rate
Purchasing
Rate
Commercial
Business to Business
1V57, 1V58, 1V59,
1W57, 1W58, 1W59,
1X57, 1X58, 1X59
• Visa Business, Corporate or Purchasing card used at Business to Business Merchant
• U.S. merchant and U.S. Acquirer
• Tran must be CPS qualified
• Level II data requirements are not met (either missing or failed edits)
• Settle w/n two business days from tran date
• Meets enhanced clearing data requirements
See list of eligible MCCs below (NEC = Not elsewhere classified)
2.10% + $0.10 2.10% + $0.10 2.10% + $0.10
Eligible MCCs MCCs eligible: 0780 Landscaping & Horticultural Svcs, 5169 Chemicals & Allied
Prods NEC,1799 Spcl Trade Contractors NEC, 5192 Books, Periodicals &
Newspapers, 2741 Misc Publishing & Printing, 5193 Florist Supplies, Nursery Stock &
Flowers, 2791 Typesetting, Plate Making & Related Svs, 5198 Paints, Varnishes &
Supplies, 2842 Specialty Cleaning, Polishing & Sanitation Preps, 5199 Nondurable
Goods NEC, 4214 Motor Freight Carriers & Trucking, 6300 Ins Sales, Underwriting, &
Premiums, 5021 Office & Comm Furniture, 7311 Adv Svcs, 5039 Construction
Materials NEC, 7333 Comm Photography, Art, & Graphics, 5044 Photographic,
Photocopy, Microfilm Equip & Software, 7349 Cleaning, Maint, & Janitorial Svcs, 5046
Comm Equip NEC, 7361 Employment Agencies & Temp Help Svcs, 5047 Med, Dtl,
Ophthalmic & Hospital Equip & Supplies, 7372 Computer Programming, Data Proc, &
Int Sys Design Svcs,
Eligible MCCs cont'd 5051 Metal Svc Ctrs & Offices, 7375 Info Retrieval Svcs, 5065 Electrical Parts &
Equip, 7379 Computer Maint, Repair & Svcs NEC, 5074 Plumbing & Hting Equip &
Supplies, 7392 Mgmnt, Consulting, & PR Svcs, 5085 Indl Supplies NEC, 7399 Bus
Svcs NEC, 5099 Durable Goods NEC, 7829 Motion Picture & Video Tape Prod & Dist,
5131 Piece Goods, Notions, & Other Dry Goods, 8734 Testing Labs (Non-Medical
Testing), 5137 Mens, Womens & Childrens Uniforms & Comm Clothing, 8931 Acctng,
Auditing, & Bookkeeping Srvcs, 5139 Comm Footwear, 8999 Prof Svcs NEC
Commercial
Business Utility
1637, 1638, 1639
• Merchant Category Code must be 4900 Utilities
• Registered with Visa and assigned Merchant Verification Value (MVV)
• Must meet requirements for one of the following programs: CPS Card Not Present,
CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-Entry, CPS
Retail
If the transaction fails CPS and existing Level 2 requirements are met the transaction
will qualify for Visa Business electronic.
If the transaction fails CPs and existing Level 2 requirements are NOT met the
transaction will qualify for Visa Business standard.
$1.50
GSA Government-to-
Government
1738
• Visa GSA Purchase Card (BIN 471600-471699 and 448600-448699)
• CPS requirements met
• MVV required
• MCCs 9399 and 9402 only
• US transactions only
1.65% + $0.10
Commercial Card Not
Present
1V50, 1V51, 1V52,
1W50, 1W51, 1W52,
1X50, 1X51, 1X52
• Visa Business, Corporate or Purchasing card used at non-Travel Services Merchant
• U.S. merchant and U.S. Acquirer
• Transaction must be CPS qualified for one of the following programs: CPS Card Not
Present, CPS E-Commerce Basic or Preferred, CPS Retail/2, or CPS Account Funding
• Level II data requirements are not met (either missing or failed edits)
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
• MCC must be non-travel service
2.20% + $0.10 2.25% + $0.10 2.55% + $0.10
Commercial
Electronic
1640, 1641, 1642,
1647, 1648, 1649,
1740, 1741, 1742
• Meets CPS requirements but no level II data provided, or meets level II and /or III
requirements but not CPS requirements.
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
• Lodging/car rental transactions require additional lodging/car rental data
2.25% + $0.10 2.40% + $0.10 2.65% + $0.10
29
30. Visa Qualification Criteria
Commercial Programs
Interchange Program Interchange Summary Description
Corporate
Rate
Business
Rate
Purchasing
Rate
Commercial Non T&E
Level lII
1794, 1795, 1796
• U.S. merchant and U.S. Acquirer
• Applies to Purchasing or Fleet Cards only
• Key entry permitted
• One electronic authorization per clearing transaction
• Transaction must be CPS qualified (CPS Retail, Retail Key-Entry, Retail 2, Card Not
Present, E-Commerce Basic or Preferred – Debit or Credit)
• The following enhanced clearing data must be provided:
o Level III Data (data requirements include message identifier, summary detail, line
item detail)
• For Visa Purchasing at fuel merchants:
o Level III Data (data requirements include message identifier, summary detail, line
item detail)
• For Visa Fleet Purchasing at fuel merchants:
o Level II Data (data requirements include customer code)
o Level III Data (data requirements include additional fleet fuel data)
• Settlement within three business days from transaction date
• MCC must be non-travel service
1.80% + $0.10
Commercial Non T&E
Level II
1624, 1625, 1626,
1694, 1695, 1696,
1724, 1725, 1726
• U.S. merchant and U.S. Acquirer
• Key entry permitted
• One electronic auth per clearing tran
• Tran must be CPS qualified
• Enhanced clearing data must be provided:
• For Visa Business, Corporate & Purchasing at non-fuel merchants:
o Level II Data (sales tax amount, sales tax indicator)
• For Visa Business & Corporate at fuel merchants:
o Level II Data (sales tax amount, sales tax indicator)
• For Visa Purchasing at fuel merchants:
o Level II Data (customer code)
• For Visa Fleet Purchasing at fuel merchants:
o Level II Data (data requirements include customer code & additional fleet fuel data)
• Sales tax indicator must equal “1” (tax amount provided) & sales tax amount must be
between 0.1% and 22% of the transaction amount. Tax-exempt transactions will not
qualify
• Settle within three business days from transaction date
• MCC must be non-travel service
2.05% + $0.10 2.05% + $0.10 2.05% + $0.10
Commercial Retail
1V54, 1V55, 1V56,
1W54, 1W55, 1W56,
1X54, 1X55, 1X56
• Visa Business, Corporate or Purchasing card used at non-Travel Services Merchant
• U.S. merchant and U.S. Acquirer
• Transaction must be CPS qualified for one of the following programs: CPS Retail,
CPS Supermarket, CPS Retail Key Entry, CPS Small Ticket, CPS Automated Fuel,
CPS Service Station
• Level II data requirements are not met (either missing or failed edits)
• Fleet Cards at Fuel merchants: Must supply Level II data (customer code) and
additional fuel data if not CPS qualified.
• Settlement within two business days from transaction date
• Meets enhanced clearing data requirements
• MCC must be non-travel service
2.10% + $0.10 2.20% + $0.10 2.30% + $0.10
Commercial Standard
1600, 1601, 1602,
1607, 1608, 1609,
1707, 1708, 1709
• Authorization
• Settle within 30 days of transaction date
2.95% + $0.10 2.95% + $0.10 2.95% + $0.10
Purchasing GSA
Large Ticket
1771
• Government Services Agency (GSA) Purchasing Cards. (BIN Ranges 471600 to
471699 and 448600 to 448699)
• Meet CPS qualifications
• Provide Level III data (line item detail)
• MCC must be non-travel service
• US Transactions Only
1.20% + $39
30
31. Visa Qualification Criteria
Commercial Programs
Interchange Program Interchange Summary Description
Corporate
Rate
Business
Rate
Purchasing
Rate
Purchase Card
Electronic with Data
1747, 1748, 1749
• Non GSA Purchasing card
• Meets Level III data requirements but not CPS requirements
• Settlement within three business days from transaction date
• Meets enhanced clearing data requirements
2.65% + $0.10
Purchasing Large
Ticket
1731
• Non-GSA BIN Range
• Registration required
• Meet CPS qualifications
• Provide Level II data (sales tax & customer code) and Level III data (line item detail)
• Settlement within eight business days from transaction date
• Merchant Verification Value (MVV) must be present, valid and match the MVV
registered with Visa
• MCC must be non-travel service
0.95% + $35
Visa Commercial
Refund Rates
Non-Passenger
Transport
1664, 1665,1666,1764,
1765, 1766,
1Y64,1Y65, 1Y66
• Applies to cardholder returns on commercial cards 2.24%
31
32. Visa Qualification Criteria
Interregional Programs
Interchange Program
Interchange Summary Description
PRODUCT SPECIFIC PROGRAM ONLY
Rate
Business and Signature
Business Card Corporate
Card
1604, 1605
Product Specific Commercial - must be card listed only
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
Card present
Authorization
Settlement within three business days from transaction date 1.80%
Purchasing Card
1704, 1705
Product Specific Commercial - must be card listed only
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
Card present
Authorization
Settlement within three business days from transaction date 1.80%
Infinite Card
1312
Product Specific Commercial - must be card listed only
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
Card present
Authorization
Settlement within three business days from transaction date 1.80%
Signature Card
1319
Product Specific Commercial - must be card listed only
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
Card present
Authorization
Settlement within three business days from transaction date 1.80%
Signature Preferred Card
1Y76
Product Specific Commercial - must be card listed only
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
Card present
Authorization
Settlement within three business days from transaction date 1.80%
Secure Electronic Commerce
1U66, 1066
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card not present
POS Entry must be 01
MOTO ECI indicator must be 5
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
32
33. Visa Qualification Criteria
Interregional Programs
Interchange Program
Interchange Summary Description
PRODUCT SPECIFIC PROGRAM ONLY
Rate
Secure Electronic Commerce -
Electron Card
1067
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card not present
POS Entry must be 01
MOTO ECI indicator must be 5
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
Electronic Commerce
Merchant
1U76, 1076
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card not present
POS Entry must be 01
MOTO ECI indicator must be 6
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
Electronic Commerce
Merchant - Electron Card
1077
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card not present
POS Entry must be 01
MOTO ECI indicator must be 6
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
Electronic
1236
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card present
POS Entry Mode must be 05,07,90 or 91
POS Terminal Capability Code must not = 5
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.10%
33
34. Visa Qualification Criteria
Interregional Programs
Interchange Program
Interchange Summary Description
PRODUCT SPECIFIC PROGRAM ONLY
Rate
Electronic
Electron Card
1536
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card present
POS Entry Mode must be 05,07,90 or 91
POS Terminal Capability Code must not = 5
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.10%
Issuer Chip
1U36
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card present
POS Entry Mode must be 90 or 91
POS Terminal Capability Code must not = 5
Must qualify for Electronic Program to be eligible
Issuer must be identified on the ARDEF to receive this rate
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.20%
Isser Chip - Electron Card
1U37
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card present
POS Entry Mode must be 90 or 91
POS Terminal Capability Code must not = 5
Must qualify for Electronic Program to be eligible
Issuer must be identified on the ARDEF to receive this rate
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.20%
Standard
1206, 1506
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.60%
34
35. Visa Qualification Criteria
Interregional Programs
Interchange Program
Interchange Summary Description
PRODUCT SPECIFIC PROGRAM ONLY
Rate
Standard - Electron Card
1537
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.60%
35
36. Visa Qualification Criteria
Regional Programs
Interchange Program Interchange Summary Description Rate
Business and Signature
Business Card
1V02
Product Specific Commercial – must be listed card only
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant
location)= Regional
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.80%
Corporate Card
1X02
Product Specific Commercial – must be listed card only
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant
location)= Regional
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.80%
Purchasing Card
1W02
Product Specific Commercial – must be listed card only
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant
location)= Regional
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.80%
Infinite Card
1312
Product Specific Consumer – must be listed card only
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant
location)= Regional
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.80%
Signature Card
1T02
Product Specific Consumer – must be listed card only
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant
location)= Regional
VI Merchant & VI Issuer = VI Domestic
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.80%
Secure Electronic
Commerce
1U02
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card not present
POS Entry Mode must be 01
MOTO ECI indicator must be 5
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
36
37. Visa Qualification Criteria
Regional Programs
Interchange Program Interchange Summary Description Rate
Secure Electronic
Commerce - Electron Card
1067
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card not present
POS Entry must be 01
MOTO ECI indicator must be 5
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
Electronic Commerce
Merchant
1U06
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
VI Merchant & VI Issuer = VI Domestic
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card not present
POS Entry Mode must be 01
MOTO ECI indicator must be 6
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
Electronic Commerce
Merchant - Electron Card
1077
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card not present
POS Entry Mode must be 01
MOTO ECI indicator must be 6
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
Electronic
1236
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card present
POS Entry Mode must be 05,07,90 or 91
POS Terminal Capability Code must not = 5
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.10%
37
38. Visa Qualification Criteria
Regional Programs
Interchange Program Interchange Summary Description Rate
Electronic
Electron Card
1536
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card present
POS Entry Mode must be 05,07,90 or 91
POS Terminal Capability Code must not = 5
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.10%
Issuer Chip
1U32
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card present
POS Entry Mode must be 90 or 91
POS Terminal Capability Code must not = 5
Must qualify for Electronic Program to be eligible
Issuer must be identified on the ARDEF to receive this rate
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.20%
Isser Chip - Electron Card
1U37
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card present
POS Entry Mode must be 90 or 91
POS Terminal Capability Code must not = 5
Must qualify for Electronic Program to be eligible
Issuer must be identified on the ARDEF to receive this rate
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.20%
Standard
1206, 1506
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.60%
38
39. Visa Qualification Criteria
Regional Programs
Interchange Program Interchange Summary Description Rate
Standard - Electron Card
1537
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card present
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements 1.60%
39
40. Visa Qualification Criteria
Puerto Rico Domestic Programs
Interchange Program Interchange Summary Description Rate
PR Merchant & PR Issuer = PR Domestic
Card present
POS Entry Mode must be 05,07,90 or 91
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
Card Type: Classic, Electronic, Gold
Usage: Debit
Charge Type: 1026
1.05%
Card Type: Classic, Gold
Usage: Credit
Charge Type: 1U09 1.10%
Card Type: Platinum, Commercial
Usage: Debit or Credit
Charge Type: 1X06 1.25%
Card Type: Signature, Infinite
Usage: Debit or Credit
Charge Type: 1T06 1.28%
PR Merchant & PR Issuer = PR Domestic
Card present
POS Entry Mode must be 05,07,90 or 91
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
Card Type: Classic, Electronic, Gold
Usage: Debit
Charge Type: 1036
1.05%
Card Type: Classic, Gold
Usage: Credit
Charge Type: 1U12
1.10%
Card Type: Platinum, Commercial
Usage: Debit or Credit
Charge Type: 1X09
1.25%
Card Type: Signature, Infinite
Usage: Debit or Credit
Charge Type: 1T09
1.28%
Puerto Rico Domestic
Electronic
Market Segment: Emerging
and Small Ticket
MCCs: 4011, 4111, 4112, 4121,
4131, 4784, 4789, 5814, 5912,
5976, 5994, 7211, 7216, 7338,
7523, 7542, 7832, 7911, 8011,
8021, 8031, 8041, 8042, 8043,
8049, 8050, 8062, 8071, 8099,
8211, 8220, 8241, 8244, 8249
8299, 9211, 9222, 9223, 9311,
9399
Puerto Rico Domestic
Electronic
Market Segment: Emerging
and Small Ticket Utility
MCC: 4900
40
41. Visa Qualification Criteria
Puerto Rico Domestic Programs
Interchange Program Interchange Summary Description Rate
PR Merchant & PR Issuer = PR Domestic
Card present
POS Entry Mode must be 05,07,90 or 91
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
Card Type: Classic, Electronic, Gold
Usage: Debit
Charge Type: 1039
1.30%
Card Type: Classic, Gold
Usage: Credit
Charge Type: 1U16
1.35%
Card Type: Platinum, Commercial
Usage: Debit or Credit
Charge Type: 1X12
1.85%
Card Type: Signature, Infinite
Usage: Debit or Credit
Charge Type: 1T12
2.00%
Puerto Rico Domestic
Electronic
Market Segment: Retail
Group 2
All other MCCs
PR Merchant & PR Issuer = PR Domestic
Card present
POS Entry Mode must be 05,07,90 or 91
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
Card Type: Classic, Electronic, Gold
Usage: Debit
Charge Type: 1042
1.25%
Card Type: Classic, Gold
Usage: Credit
Charge Type: 1U19
1.30%
Card Type: Platinum, Commercial
Usage: Debit or Credit
Charge Type: 1X16
1.80%
Card Type: Signature , Infinite
Usage: Debit or Credit
Charge Type: 1T16
1.90%
Puerto Rico Domestic
Electronic
Market Segment: Retail
Group 1
MCC's 3351-3500, 3501 - 3999,
4411, 4722, 4723, 5200, 5211,
5231, 5251, 5261, 5309, 5712,
5713, 5714, 5719, 5722, 5732,
5932, 5937, 5944, 5950, 5962,
5964, 5965, 5966, 5967, 5968,
5969, 5971, 7011, 7012, 7512,
7995
41
42. Visa Qualification Criteria
Puerto Rico Domestic Programs
Interchange Program Interchange Summary Description Rate
Puerto Rico Domestic
Standard
All Market Segment
PR Merchant & PR Issuer = PR Domestic
Card present
POS Entry Mode must be 05,07,90 or 91
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
Card Type: Classic, Electronic, Gold
Usage: Debit
Charge Type: 1052 1.65%
Card Type: Classic, Gold
Usage: Credit
Charge Type: 1U22 1.65%
Card Type: Platinum, Commercial
Usage: Debit or Credit
Charge Type: 1X19 1.85%
Card Type: Signature , Infinite
Usage: Debit or Credit
Charge Type: 1T19 2.00%
42
