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Interchange and Scheme Fees

Interchange on consumer cards issued within the EEA and used at EEA based merchants is currently capped at 0.20% for Debit and 0.30% for Credit. As the UK is no longer a member of the EEA, a transaction can be subject to an interchange cap of £1.50 per transaction on their UK Domestic Mastercard Non-Consumer Debit Interchange if the merchant qualifies for the UK Domestic Government & Personal Payments Program (Merchant Category Code 9399).

Card-Present

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card From 0.12%
to 0.20% 		From 0.0755% + € 0.0082
to 0.081% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.30%
to 0.43% 		From 0.082% + € 0.0082
to 0.086% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From € 0.05
to 0.30% + € 0.06 | € 0.57 		From 0.0755% + € 0.0082
to 0.081% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.43%
to 1.70% 		From 0.082% + € 0.0082
to 0.086% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card From 0.20%
to 0.60% 		From 0.181% + € 0.0168
to 0.0755% + € 0.08
Visa EEA Consumer Credit Card From 0.30%
to 0.65% 		From 0.186% + € 0.0168
to 0.082% + € 0.08
Visa EEA Commercial Prepaid and Debit Cards 1.60% From 0.181% + € 0.0168
to 0.0755% + € 0.08
Visa EEA Commercial Credit Cards 1.60% From 0.1860% + € 0.0168
to 0.082% + € 0.08
Visa UK Consumer Prepaid and Debit Card1 0.60% From 0.0755% + € 0.0525
Visa UK Consumer Credit Cards1 0.65% From 0.082% + € 0.0525
Visa UK Commercial Prepaid and Debit Cards1 1.60% From 0.0755% + € 0.0525
Visa UK Commercial Credit Cards1 1.60% From 0.082% + € 0.0525
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 1.20% From 0.5255% + € 0.1075
to 0.531% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.20% From 0.532% + € 0.1075
to 1.086% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.5255% + € 0.1075
to 0.531% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 0.532% + € 0.1075
to 1.086% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card From 0.20% | € 0.02
to 0.20% | € 0.21 		0.0943% + € 0.012 |
0.098% + € 0.00484
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.44% 		From 0.098% + € 0.00484
to 0.1218% + € 0.01302
Mastercard Domestic Commercial Prepaid and Debit Cards From 1.50% | € 0.02
to 1.50% | € 0.21 		0.0943% + € 0.012 |
0.098% + € 0.00484
Mastercard Domestic Commercial Credit Cards From 0.44%
to 1.50% 		From 0.098% + € 0.00484
to 0.1218% + € 0.01302
Mastercard EEA Consumer Prepaid and Debit Card From 0.20%
to 0.59% 		0.1368% + € 0.012 |
0.143% + € 0.00484
Mastercard EEA Consumer Credit Card From 0.30%
to 0.59% 		From 0.143% + € 0.00484
to 0.1643% + € 0.01302
Mastercard EEA Commercial Prepaid and Debit Cards From 1.25%
to 1.50% 		0.1368% + € 0.012 |
0.143% + € 0.00484
Mastercard EEA Commercial Credit Cards From 1.25%
to 1.50% 		From 0.143% + € 0.00484
to 0.1643% + € 0.01302
Mastercard UK Consumer Prepaid and Debit Card1 From 0.45%
to 0.59% 		From 0.1368% + € 0.012
Mastercard UK Consumer Credit Cards1 0.59% From 0.1643% + € 0.01302
Mastercard UK Commercial Prepaid and Debit Cards1 1.50% From 0.1368% + € 0.012
Mastercard UK Commercial Credit Cards1 1.50% From 0.1643% + € 0.01302
Mastercard Non - EEA Consumer Prepaid and Debit Card From 0.60%
to 1.60% 		From 0.4943% + € 0.085
to 0.548% + € 0.10475
Mastercard Non - EEA Consumer Credit Cards 1.60% From 0.5668% + € 0.085
to 0.548% + € 0.10475
Mastercard Non - EEA Commercial Prepaid and Debit Cards 2.00% From 0.4943% + € 0.085
to 0.548% + € 0.10475
Mastercard Non - EEA Commercial Credit Cards 2.00% From 0.5668% + € 0.085
to 0.548% + € 0.10475
TWINT3 0.89% € 0.03
American Express Consumer Prepaid and Debit Card2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Consumer Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
JCB Consumer Prepaid and Debit Card 0.20% 0.0543%
JCB Consumer Credit Cards 0.30% 0.0543%
JCB Commercial Prepaid and Debit Cards 0.20% 0.0543%
JCB Commercial Credit Cards 0.30% 0.0543%
UnionPay International Consumer Prepaid and Debit Card From 0.20%
to 0.50% 		0.1085%
UnionPay International Consumer Credit Cards From 0.30%
to 0.40% 		0.1085%
UnionPay International Commercial Prepaid and Debit Cards 0.43% | € 0.06 0.1085%
UnionPay International Commercial Credit Cards From 0.43%
to 1.50% 		0.1085%
  • 1 Interchange and Scheme fees for transactions with cards issued in the UK and used at Switzerland based merchants
  • 2 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion
  • 3 TWINT is available for Card-present transactions in CHF currency to merchants based in Switzerland only

Further Information from the Card Schemes on Interchange below:

Card-not-Present

Interchange range Scheme fee range
Visa Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.31% 		From 0.0855% + € 0.0082
to 0.091% + € 0.0082
Visa Domestic Consumer Credit Cards From 0.30%
to 0.35% 		From 0.092% + € 0.0082
to 0.096% + € 0.0082
Visa Domestic Commercial Prepaid and Debit Cards From 0.29%
to 0.30% + € 0.06 		From 0.0855% + € 0.0082
to 0.091% + € 0.0082
Visa Domestic Commercial Credit Cards From 0.35%
to 1.70% 		From 0.092% + € 0.0082
to 0.096% + € 0.0082
Visa EEA Consumer Prepaid and Debit Card From 1.04%
to 1.15% 		0.0755% + € 0.28 |
0.341% + € 0.0168
Visa EEA Consumer Credit Card From 1.09%
to 1.50% 		0.082% + € 0.28 |
0.346% + € 0.0168
Visa EEA Commercial Prepaid and Debit Cards 1.60% 0.0755% + € 0.28 |
0.341% + € 0.0168
Visa EEA Commercial Credit Cards 1.60% 0.082% + € 0.28 |
0.346% + € 0.0168
Visa UK Consumer Prepaid and Debit Card1 1.15% 0.0755% + € 0.0525
Visa UK Consumer Credit Cards1 1.50% 0.0820% + € 0.0525
Visa UK Commercial Prepaid and Debit Cards1 1.60% 0.0755% + € 0.0525
Visa UK Commercial Credit Cards1 1.60% 0.082% + € 0.0525
Visa Non - EEA Consumer Prepaid and Debit Card € 0.15 | 1.44% From 1.0755% + € 0.1075
to 1.091% + € 0.1075
Visa Non - EEA Consumer Credit Cards 1.44% From 1.082% + € 0.1075
to 1.096% + € 0.1075
Visa Non - EEA Commercial Prepaid and Debit Cards 2.00% From 1.0755% + € 0.1075
to 1.091% + € 0.1075
Visa Non - EEA Commercial Credit Cards 2.00% From 1.082% + € 0.1075
to 1.096% + € 0.1075
Mastercard Domestic Consumer Prepaid and Debit Card From 0.20%
to 0.31% 		0.0943% + € 0.012 |
0.123% + € 0.00484
Mastercard Domestic Consumer Credit Cards From 0.30%
to 0.35% 		0.1218% + € 0.01302 |
0.1230% + € 0.00484
Mastercard Domestic Commercial Prepaid and Debit Cards From 0.31%
to 0.95% 		0.0943% + € 0.012 |
0.123% + € 0.00484
Mastercard Domestic Commercial Credit Cards From 0.35%
to 1.75% 		0.1218% + € 0.01302 |
0.1230% + € 0.00484
Mastercard EEA Consumer Prepaid and Debit Card From 0.20%
to 1.19% 		0.1618% + € 0.012
0.168% + € 0.00484
Mastercard EEA Consumer Credit Card From 0.30%
to 1.19% 		From 0.168% + € 0.00484
to 0.1893% + € 0.01302
Mastercard EEA Commercial Prepaid and Debit Cards From 1.35%
to 1.75% 		0.1618% + € 0.012
0.168% + € 0.00484
Mastercard EEA Commercial Credit Cards From 1.35%
to 1.75% 		From 0.168% + € 0.00484
to 0.1893% + € 0.01302
Mastercard UK Consumer Prepaid and Debit Card1 1.15% 0.1618% + € 0.012
Mastercard UK Consumer Credit Cards1 1.50% 0.1893% + € 0.01302
Mastercard UK Commercial Prepaid and Debit Cards1 1.75% 0.1618% + € 0.012
Mastercard UK Commercial Credit Cards1 1.75% 0.1893% + € 0.01302
Mastercard Non - EEA Consumer Prepaid and Debit Card From 0.90% + € 0.23 | 1.54%
to 1.00% + € 0.23 | 1.64% 		0.598% + € 0.10475 |
0.6443% + € 0.085
Mastercard Non - EEA Consumer Credit Cards From 1.54%
to 1.64% 		0.598% + € 0.10475 |
0.7168% + € 0.085
Mastercard Non - EEA Commercial Prepaid and Debit Cards From 2.00%
to 2.10% 		0.598% + € 0.10475 |
0.6443% + € 0.085
Mastercard Non - EEA Commercial Credit Cards From 2.00%
to 2.10% 		0.598% + € 0.10475 |
0.7168% + € 0.085
American Express Consumer Prepaid and Debit Card2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Consumer Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Prepaid and Debit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
American Express Commercial Credit Cards2 From 1.20%
to 2.10% 		From 1.20%
to 2.10%
JCB Consumer Prepaid and Debit Card 1.15% 0.0543%
JCB Consumer Credit Cards 1.50% 0.0543%
JCB Commercial Prepaid and Debit Cards 1.15% 0.0543%
JCB Commercial Credit Cards 1.50% 0.0543%
UnionPay International Consumer Prepaid and Debit Card From 0.20%
to 0.50% 		0.1085%
UnionPay International Consumer Credit Cards From 0.30%
to 0.50% 		0.1085%
UnionPay International Commercial Prepaid and Debit Cards From € 0.06
to 0.31% 		0.1085%
UnionPay International Commercial Credit Cards From 0.31%
to 1.50% 		0.1085%
  • 1 Interchange and Scheme fees for transactions with cards issued in the UK and used at Switzerland based merchants
  • 2 Card Scheme does not differentiate fees as Interchange and Scheme fees. Fees shown in both columns to avoid confusion

Further Information from the Card Schemes on Interchange below:

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