Effective April 1, 2026, Xplor Pay will implement changes made to operating regulations by Visa®, Mastercard®, American Express®, Discover®, and supported Debit Networks. Depending on pricing plan and transaction mix, these changes may affect pass-through third-party cost components including interchange, dues, assessments, network and similar fees. Below is a summary of those updates:
Visa
Digital Commerce Authentication Program (DCAP) will Launch in the U.S. to Help Improve E-Commerce Transaction Performance
Visa’s new DCAP program helps merchants get better approval rates and lower fraud on online transactions by rewarding the use of strong authentication like 3D Secure.
Program rates for the DCAP are:
New Visa Consumer Credit Fee Program for Token, DCAP Transactions
|
New Fee Program |
Product |
Rates |
|
Consumer Bill Payment Service (CBPS) |
Visa Traditional |
1.74% + US$0.10 |
|
Visa Traditional Rewards |
1.89% + US$0.10 |
|
|
Visa Signature |
1.90% + US$0.10 |
|
|
Visa Signature Preferred |
2.35% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.05% + US$0.10 |
|
|
Visa Infinite (Spend-qualified) |
2.45% + US$0.10 |
|
|
Charity and Religious Organizations |
Visa Traditional |
1.30% + US$0.05 |
|
Visa Traditional Rewards |
||
|
Visa Signature |
||
|
Visa Signature Preferred |
||
|
Visa Infinite (Spend not qualified) |
||
|
Visa Infinite (Spend qualified) |
||
|
Government |
Visa Traditional |
1.40% + US$0.10 |
|
Visa Traditional Rewards |
||
|
Visa Signature |
||
|
Visa Signature Preferred |
||
|
Visa Infinite (Spend not qualified) |
||
|
Visa Infinite (Spend qualified) |
||
|
Travel |
Visa Traditional |
1.60% + US$0.10 |
|
Visa Traditional Rewards |
1.80% + US$0.10 |
|
|
Visa Signature |
2.10% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.40% + US$0.10 |
|
|
Telecommunications and Cable (Recurring Payment) |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.05 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.05 |
|
|
Small Merchant Telecommunications and Cable (Recurring Payment) |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.05 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.05 |
|
|
Advertising |
Visa Traditional |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.65% + US$0.10 |
|
|
Visa Signature |
1.70% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.70% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Small Merchant Advertising |
Visa Traditional |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.65% + US$0.10 |
|
|
Visa Signature |
1.70% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.70% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Insurance |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.20% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.20% + US$0.10 |
|
|
Small Merchant Insurance |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.20% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.20% + US$0.10 |
|
|
Healthcare |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Small Merchant Healthcare |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Real Estate |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.10% + US$0.10 |
|
|
Small Merchant Real Estate |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.10% + US$0.10 |
|
|
Education |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.10% + US$0.10 |
|
|
Small Merchant Education |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.10% + US$0.10 |
|
|
Services |
Visa Traditional |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.65% + US$0.10 |
|
|
Visa Signature |
1.80% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.80% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Small Merchant Services |
Visa Traditional |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.65% + US$0.10 |
|
|
Visa Signature |
1.80% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.80% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Taxi |
Visa Traditional |
2.05% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.05% (minimum US$0.04) |
|
|
Visa Signature |
2.55% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.55% (minimum US$0.04) |
|
|
Small Merchant Taxi |
Visa Traditional |
2.05% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.05% (minimum US$0.04) |
|
|
Visa Signature |
2.55% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.55% (minimum US$0.04) |
|
|
Restaurant |
Visa Traditional |
2.05% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.05% (minimum US$0.04) |
|
|
Visa Signature |
2.55% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.55% (minimum US$0.04) |
|
|
Small Merchant Restaurant |
Visa Traditional |
2.05% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.05% (minimum US$0.04) |
|
|
Visa Signature |
2.55% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.55% (minimum US$0.04) |
|
|
Card Not Present |
Visa Traditional |
1.74% + US$0.10 |
|
Visa Traditional Rewards |
1.89% + US$0.10 |
|
|
Visa Signature |
1.90% + US$0.10 |
|
|
Visa Signature Preferred |
2.35% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.05% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.45% + US$0.10 |
|
|
Small Merchant Card Not Present |
Visa Traditional |
1.43% + US$0.10 |
|
Visa Traditional Rewards |
1.58% + US$0.10 |
|
|
Visa Signature |
1.58% + US$0.10 |
|
|
Visa Signature Preferred |
2.03% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.58% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.03% + US$0.10 |
New Visa Consumer Credit Fee Program for Non-token, DCAP Transactions
|
New Fee Program |
Product |
Rates |
|
Consumer Bill Payment Service (CBPS) |
Visa Traditional |
1.79% + US$0.10 |
|
Visa Traditional Rewards |
1.94% + US$0.10 |
|
|
Visa Signature |
1.95% + US$0.10 |
|
|
Visa Signature Preferred |
2.40% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.50% + US$0.10 |
|
|
Charity and Religious Organizations |
Visa Traditional |
1.30% + US$0.05 |
|
Visa Traditional Rewards |
||
|
Visa Signature |
||
|
Visa Signature Preferred |
||
|
Visa Infinite (Spend not qualified) |
||
|
Visa Infinite (Spend qualified) |
||
|
Government |
Visa Traditional |
1.45% + US$0.10 |
|
Visa Traditional Rewards |
||
|
Visa Signature |
||
|
Visa Signature Preferred |
||
|
Visa Infinite (Spend not qualified) |
||
|
Visa Infinite (Spend qualified) |
||
|
Travel |
Visa Traditional |
1.65% + US$0.10 |
|
Visa Traditional Rewards |
1.85% + US$0.10 |
|
|
Visa Signature |
2.15% + US$0.10 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.15% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.45% + US$0.10 |
|
|
Telecommunications and Cable (Recurring Payment) |
Visa Traditional |
1.43% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
|
|
Visa Signature Preferred |
2.20% + US$0.05 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.20% + US$0.05 |
|
|
Small Merchant Telecommunications and Cable (Recurring Payment) |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.05 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.05 |
|
|
Advertising |
Visa Traditional |
1.55% + US$0.10 |
|
Visa Traditional Rewards |
1.70% + US$0.10 |
|
|
Visa Signature |
1.75% + US$0.10 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.75% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.30% + US$0.10 |
|
|
Small Merchant Advertising |
Visa Traditional |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.65% + US$0.10 |
|
|
Visa Signature |
1.70% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.70% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Insurance |
Visa Traditional |
1.43% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
|
|
Visa Infinite (Spend |
2.25% + US$0.10 |
|
|
Small Merchant Insurance |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.20% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.20% + US$0.10 |
|
|
Healthcare |
Visa Traditional |
1.43% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.30% + US$0.10 |
|
|
Small Merchant Healthcare |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Real Estate |
Visa Traditional |
1.43% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.10 |
|
|
Small Merchant Real Estate |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.10% + US$0.10 |
|
|
Education |
Visa Traditional |
1.43% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.10 |
|
|
Small Merchant Education |
Visa Traditional |
1.38% + US$0.05 |
|
Visa Traditional Rewards |
1.38% + US$0.05 |
|
|
Visa Signature |
1.38% + US$0.05 |
|
|
Visa Signature Preferred |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.38% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.10% + US$0.10 |
|
|
Services |
Visa Traditional |
1.55% + US$0.10 |
|
Visa Traditional Rewards |
1.70% + US$0.10 |
|
|
Visa Signature |
1.85% + US$0.10 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.85% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.30% + US$0.10 |
|
|
Small Merchant Services |
Visa Traditional |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.65% + US$0.10 |
|
|
Visa Signature |
1.80% + US$0.10 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.80% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
|
|
Taxi |
Visa Traditional |
2.10% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.10% (minimum US$0.04) |
|
|
Visa Signature |
2.60% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.60% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.60% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.60% (minimum US$0.04) |
|
|
Small Merchant Taxi |
Visa Traditional |
2.05% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.05% (minimum US$0.04) |
|
|
Visa Signature |
2.55% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.55% (minimum US$0.04) |
|
|
Restaurant |
Visa Traditional |
2.10% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.10% (minimum US$0.04) |
|
|
Visa Signature |
2.60% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.60% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.60% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.60% (minimum US$0.04) |
|
|
Small Merchant Restaurant |
Visa Traditional |
2.05% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.05% (minimum US$0.04) |
|
|
Visa Signature |
2.55% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.55% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.55% (minimum US$0.04) |
|
|
Card Not Present |
Visa Traditional |
1.79% + US$0.10 |
|
Visa Traditional Rewards |
1.94% + US$0.10 |
|
|
Visa Signature |
1.95% + US$0.10 |
|
|
Visa Signature Preferred |
2.40% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.10% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.50% + US$0.10 |
|
|
Small Merchant Card Not Present |
Visa Traditional |
1.48% + US$0.10 |
|
Visa Traditional Rewards |
1.63% + US$0.10 |
|
|
Visa Signature |
1.63% + US$0.10 |
|
|
Visa Signature Preferred |
2.08% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.63% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.08% + US$0.10 |
Changes to Existing Visa Consumer Credit Fee Program for Token, Non-DCAP Transactions
|
Fee Program |
Product |
Existing Rate |
New Rate |
|
Consumer Bill Payment Service (CBPS) |
Visa Traditional |
1.89% + US$0.10 |
1.84% + US$0.10 |
|
Visa Traditional Rewards |
2.04% + US$0.10 |
1.99% + US$0.10 |
|
|
Visa Signature |
2.05% + US$0.10 |
2.00% + US$0.10 |
|
|
Visa Signature Preferred |
2.50% + US$0.10 |
2.45% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.20% + US$0.10 |
2.15% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.60% + US$0.10 |
2.55% + US$0.10 |
|
|
Government |
Visa Traditional |
1.55% + US$0.10 |
1.50% + US$0.10 |
|
Visa Traditional Rewards |
1.55% + US$0.10 |
1.50% + US$0.10 |
|
|
Visa Signature |
1.55% + US$0.10 |
1.50% + US$0.10 |
|
|
Visa Signature Preferred |
1.55% + US$0.10 |
1.50% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.55% + US$0.10 |
1.50% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
1.55% + US$0.10 |
1.50% + US$0.10 |
|
|
Travel |
Visa Traditional |
1.75% + US$0.10 |
1.70% + US$0.10 |
|
Visa Traditional Rewards |
1.95% + US$0.10 |
1.90% + US$0.10 |
|
|
Visa Signature |
2.25% + US$0.10 |
2.20% + US$0.10 |
|
|
Visa Signature Preferred |
2.40% + US$0.10 |
2.35% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.25% + US$0.10 |
2.20% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.55% + US$0.10 |
2.50% + US$0.10 |
|
|
Telecommunications and Cable (Recurring Payment) |
Visa Traditional |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature Preferred |
2.20% + US$0.05 |
2.25% + US$0.05 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.20% + US$0.05 |
2.25% + US$0.05 |
|
|
Advertising |
Visa Traditional |
1.55% + US$0.10 |
1.60% + US$0.10 |
|
Visa Traditional Rewards |
1.70% + US$0.10 |
1.75% + US$0.10 |
|
|
Visa Signature |
1.75% + US$0.10 |
1.80% + US$0.10 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
2.35% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.75% + US$0.10 |
1.80% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.30% + US$0.10 |
2.35% + US$0.10 |
|
|
Insurance |
Visa Traditional |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature Preferred |
2.25% + US$0.10 |
2.30% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.25% + US$0.10 |
2.30% + US$0.10 |
|
|
Healthcare |
Visa Traditional |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
2.35% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.30% + US$0.10 |
2.35% + US$0.10 |
|
|
Real Estate |
Visa Traditional |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.10 |
2.20% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.10 |
2.20% + US$0.10 |
|
|
Education |
Visa Traditional |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
Visa Traditional Rewards |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Signature Preferred |
2.15% + US$0.10 |
2.20% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.43% + US$0.05 |
1.48% + US$0.05 |
|
|
Visa Infinite (Spend qualified) |
2.15% + US$0.10 |
2.20% + US$0.10 |
|
|
Services |
Visa Traditional |
1.55% + US$0.10 |
1.60% + US$0.10 |
|
Visa Traditional Rewards |
1.70% + US$0.10 |
1.75% + US$0.10 |
|
|
Visa Signature |
1.85% + US$0.10 |
1.90% + US$0.10 |
|
|
Visa Signature Preferred |
2.30% + US$0.10 |
2.35% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.85% + US$0.10 |
1.90% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.30% + US$0.10 |
2.35% + US$0.10 |
|
|
Taxi |
Visa Traditional |
2.10% (minimum US$0.04) |
2.15% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.10% (minimum US$0.04) |
2.15% (minimum US$0.04) |
|
|
Visa Signature |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Restaurant |
Visa Traditional |
2.10% (minimum US$0.04) |
2.15% (minimum US$0.04) |
|
Visa Traditional Rewards |
2.10% (minimum US$0.04) |
2.15% (minimum US$0.04) |
|
|
Visa Signature |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Visa Signature Preferred |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Visa Infinite (Spend not qualified) |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Visa Infinite (Spend qualified) |
2.60% (minimum US$0.04) |
2.65% (minimum US$0.04) |
|
|
Card Not Present (including CPS/Account Funding) |
Visa Traditional |
1.80% + US$0.10 |
1.84% + US$0.10 |
|
Visa Traditional Rewards |
1.95% + US$0.10 |
1.99% + US$0.10 |
|
|
Visa Signature |
1.95% + US$0.10 |
2.00% + US$0.10 |
|
|
Visa Signature Preferred |
2.40% + US$0.10 |
2.45% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
2.10% + US$0.10 |
2.15% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.50% + US$0.10 |
2.55% + US$0.10 |
|
|
Small Merchant Card Not Present (including CPS/Account Funding) |
Visa Traditional |
1.58% + US$0.10 |
1.53% + US$0.10 |
|
Visa Traditional Rewards |
1.73% + US$0.10 |
1.68% + US$0.10 |
|
|
Visa Signature |
1.73% + US$0.10 |
1.68% + US$0.10 |
|
|
Visa Signature Preferred |
2.18% + US$0.10 |
2.13% + US$0.10 |
|
|
Visa Infinite (Spend not qualified) |
1.73% + US$0.10 |
1.68% + US$0.10 |
|
|
Visa Infinite (Spend qualified) |
2.18% + US$0.10 |
2.13% + US$0.10 |
Support for Visa Installment Credential Credit Products in the U.S
Visa is introducing Visa Installment Credential products in the United States to support the growing demand for Buy Now, Pay Later (BNPL) solutions. These credentials allow BNPL programs to operate using a standard Visa card form factor, backed by credit funding, and integrated seamlessly into existing card-based acquiring and issuing infrastructures.
Program Rates apply to below programs:
New Installments Fee Program / New Credit Voucher – Installments Fee Program
|
Row |
Fee
Program Name |
New
Rate |
|
1 |
Visa
Installment Credential Standard |
2.70%
+ US$0.10 |
|
2 |
Visa
Installment Credential (MCC is 4814, 4899 with any
Transaction Amount) |
1.10%
(minimum of US$0.04) |
|
3 |
Visa
Installment Credential (MCC is 4816, 5122, 5813, 5816, 5912, 5921,
5966, 5967, 5968, 5993, 6540, 7273, 9405, 9223 and when Transaction
Amount is greater than US$50) |
1.10%
(minimum of US$0.04) |
|
4 |
Visa
Installment Credential (when MCC is NOT 4816, 5122, 5813,
5816, 5912, 5921, 5966, 5967, 5968, 5993, 6540, 7273, 9405, 9223 and when
Transaction Amount is less than or equal to US$50) |
1.10%
(minimum of US$0.04) |
New Installments Fee Programs with Token and DCAP Requirements
|
Existing Qualifying CPS Based Fee Program |
Additional Token Response Information Value |
Applied Special Service Value |
New Rate |
|
Recurring Bill Payment |
N/A |
N/A |
1.10% (minimum of US$0.04) |
|
Recurring Bill Payment – Non-Tokenized Small Merchant Telecommunications and Cable |
N/A |
N/A |
1.10% (minimum of US$0.04) |
|
Small Merchant Product 2 |
Space |
N/A |
1.88% + US$0.10 |
|
Small Merchant Product 1 |
Space |
Space |
2.18% + US$0.10 |
|
1 |
Space |
2.13% + US$0.10 |
|
|
Space |
1 |
2.08% + US$0.10 |
|
|
1 |
1 |
2.03% + US$0.10 |
|
|
Product 2 |
Space |
N/A |
2.10% + US$0.10 |
|
Product 1 – Token |
Space |
Space |
2.50% + US$0.10 |
|
1 |
Space |
2.45% + US$0.10 |
|
|
Space |
1 |
2.40% + US$0.10 |
|
|
1 |
1 |
2.35% + US$0.10 |
Changes to Non-Qualified Credit Fee Program
|
Row |
New Fee Descriptor |
New Rate |
|
1 |
Visa Installment Credential Standard |
2.70% + US$0.10 |
|
2 |
Visa Installment Credential (when Transaction Amount is greater than US$50.00) |
3.15% + US$0.10 |
|
3 |
Visa Installment Credential (when Transaction Amount is less than or equal to US$50.00) |
1.10% (minimum of US$0.04) |
Changes to Visa Performance-Based and Utility Fee Programs
|
Existing Qualifying Fee Program |
Additional Token Response Information Value |
Applied Special Service Value |
Tier |
Rate |
|
Supermarket Credit Tier |
N/A |
N/A |
0 |
1.55% + US$0.05 |
|
N/A |
N/A |
1 |
1.55% + US$0.05 |
|
|
N/A |
N/A |
2 |
1.55% + US$0.05 |
|
|
N/A |
N/A |
3 |
1.60% + US$0.05 |
|
|
Retail Credit Tier |
N/A |
N/A |
1 |
2.10% + US$0.10 |
|
N/A |
N/A |
2 |
2.10% + US$0.10 |
|
|
N/A |
N/A |
3 |
2.10% + US$0.10 |
|
|
Recurring Telecommunications and Cable Threshold CNP |
Space |
Space |
1 |
1.10% (minimum US$0.04) |
|
1 |
Space |
1 |
1.10% (minimum US$0.04) |
|
|
Space |
1 |
1 |
1.10% (minimum US$0.04) |
|
|
1 |
1 |
1 |
1.10% (minimum US$0.04) |
|
|
Space |
Space |
2 |
1.10% (minimum US$0.04) |
|
|
1 |
Space |
2 |
1.10% (minimum US$0.04) |
|
|
Space |
1 |
2 |
1.10% (minimum US$0.04) |
|
|
1 |
1 |
2 |
1.10% (minimum US$0.04) |
|
|
Space |
Space |
3 |
1.10% (minimum US$0.04) |
|
|
1 |
Space |
3 |
1.10% (minimum US$0.04) |
|
|
Space |
1 |
3 |
1.10% (minimum US$0.04) |
|
|
1 |
1 |
3 |
1.10% (minimum US$0.04) |
|
|
Utility |
N/A |
N/A |
N/A |
US$0.75 |
CPS-Based Merchant Specific Fee Programs
|
CPSBased Qualifying Fee Program |
Additional Token Response Information Value |
Applied Special Service Value |
Rate |
|
Charity & Religious Organization |
N/A |
N/A |
1.35% + US$0.05 |
|
Charity & Religious Organization CNP |
Space |
Space |
1.35% + US$0.05 |
|
1 |
Space |
1.35% + US$0.05 |
|
|
Space |
1 |
1.30% + US$0.05 |
|
|
1 |
1 |
1.30% + US$0.05 |
|
|
Government |
N/A |
N/A |
1.55% + US$0.10 |
|
Government CNP |
Space |
Space |
1.55% + US$0.10 |
|
1 |
Space |
1.50% + US$0.10 |
|
|
Space |
1 |
1.45% + US$0.10 |
|
|
1 |
1 |
1.40% + US$0.10 |
|
|
Travel |
N/A |
N/A |
2.40% + US$0.10 |
|
Travel CNP |
Space |
Space |
2.40% + US$0.10 |
|
1 |
Space |
2.35% + US$0.10 |
|
|
Space |
1 |
2.30% + US$0.10 |
|
|
1 |
1 |
2.25% + US$0.10 |
|
|
Fuel |
N/A |
N/A |
1.15% + US$0.25 (max US$1.10) |
|
Supermarket |
Space |
N/A |
1.65% + US$0.07 |
|
Small Merchant Supermarket |
Space |
N/A |
1.65% + US$0.07 |
|
Restaurant |
Space |
N/A |
2.60% (min US$0.04) |
|
Small Merchant Restaurant |
Space |
N/A |
2.60% (min US$0.04) |
|
Restaurant CNP |
Space |
Space |
2.70% (min US$0.08) |
|
1 |
Space |
2.65% (min US$0.04) |
|
|
Space |
1 |
2.60% (min US$0.04) |
|
|
1 |
1 |
2.55% (min US$0.04) |
|
|
Small Merchant Restaurant CNP |
Space |
Space |
2.60% (min US$0.04) |
|
1 |
Space |
2.60% (min US$0.04) |
|
|
Space |
1 |
2.55% (min US$0.04) |
|
|
1 |
1 |
2.55% (min US$0.04) |
|
|
Taxi 2 |
Space |
N/A |
2.60% (min US$0.04) |
|
Small Merchant Taxi 2 |
Space |
N/A |
2.60% (min US$0.04) |
|
Taxi 1 |
Space |
Space |
2.70% (min US$0.08) |
|
1 |
Space |
2.65% (min US$0.04) |
|
|
Space |
1 |
2.60% (min US$0.04) |
|
|
1 |
1 |
2.55% (min US$0.04) |
|
|
Small Merchant Taxi 1 |
Space |
Space |
2.60% (min US$0.04) |
|
1 |
Space |
2.60% (min US$0.04) |
|
|
Space |
1 |
2.55% (min US$0.04) |
|
|
1 |
1 |
2.55% (min US$0.04) |
|
|
Real Estate |
Space |
N/A |
1.43% + US$0.05 |
|
Small Merchant Real Estate |
Space |
N/A |
1.43% + US$0.05 |
|
Real Estate CNP |
Space |
Space |
1.53% + US$0.05 |
|
1 |
Space |
1.48% + US$0.05 |
|
|
Space |
1 |
1.43% + US$0.05 |
|
|
1 |
1 |
1.38% + US$0.05 |
|
|
Small Merchant Real Estate CNP |
Space |
Space |
1.43% + US$0.05 |
|
1 |
Space |
1.43% + US$0.05 |
|
|
Space |
1 |
1.38% + US$0.05 |
|
|
1 |
1 |
1.38% + US$0.05 |
|
|
Education |
Space |
N/A |
1.43% + US$0.05 |
|
Small Merchant Education |
Space |
N/A |
1.43% + US$0.05 |
|
Education CNP |
Space |
Space |
1.53% + US$0.05 |
|
1 |
Space |
1.48% + US$0.05 |
|
|
Space |
1 |
1.43% + US$0.05 |
|
|
1 |
1 |
1.38% + US$0.05 |
|
|
Small Merchant Education CNP |
Space |
Space |
1.43% + US$0.05 |
|
1 |
Space |
1.43% + US$0.05 |
|
|
Space |
1 |
1.38% + US$0.05 |
|
|
1 |
1 |
1.38% + US$0.05 |
|
|
Healthcare |
Space |
N/A |
1.43% + US$0.05 |
|
Small Merchant Healthcare |
Space |
N/A |
1.43% + US$0.05 |
|
Healthcare CNP |
Space |
Space |
1.53% + US$0.05 |
|
1 |
Space |
1.48% + US$0.05 |
|
|
Space |
1 |
1.43% + US$0.05 |
|
|
1 |
1 |
1.38% + US$0.05 |
|
|
Small Merchant Healthcare CNP |
Space |
Space |
1.43% + US$0.05 |
|
1 |
Space |
1.43% + US$0.05 |
|
|
Space |
1 |
1.38% + US$0.05 |
|
|
1 |
1 |
1.38% + US$0.05 |
New Visa Secured Enhanced Card Credit Product in the U.S
Visa is introducing the Visa Secured Enhanced Credit product in the US, which is intended to support potential cardholders who have not been previously eligible for traditional card products due to lack or weakness of credit history. The following tables describe rates for which the cards are eligible, and under what conditions; generally speaking, the rates track with Visa Traditional or Traditional Rewards cards under similar conditions.
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Non-Token Fee Programs
|
Fee Program |
Rate |
|
Recurring Telecommunications and Cable Threshold – Tier 1 |
1.33% + US$0.05 |
|
Recurring Telecommunications and Cable Threshold – Tier 2 |
1.43% + US$0.05 |
|
Recurring Telecommunications and Cable Threshold – Tier 3 |
1.53% + US$0.05 |
|
Charity and Religious Organizations – CNP |
1.35% + US$0.05 |
|
Government – CNP |
1.55% + US$0.10 |
|
Travel – CNP |
1.65% + US$0.10 |
|
Taxi 1 – CNP |
2.20% |
|
Taxi 1 – CNP Small Merchant |
2.10% |
|
Real Estate – CNP |
1.53% + US$0.05 |
|
Real Estate – CNP Small Merchant |
1.48% + US$0.05 |
|
Education – CNP |
1.53% + US$0.05 |
|
Education – CNP Small Merchant |
1.43% + US$0.05 |
|
Healthcare – CNP |
1.53% + US$0.05 |
|
Healthcare – CNP Small Merchant |
1.43% + US$0.05 |
|
Advertising – CNP |
1.65% + US$0.10 |
|
Advertising – CNP Small Merchant |
1.55% + US$0.10 |
|
Insurance – CNP |
1.53% + US$0.05 |
|
Insurance – CNP Small Merchant |
1.43% + US$0.05 |
|
Services – CNP |
1.65% + US$0.10 |
|
Services – CNP Small Merchant |
1.55% + US$0.10 |
|
Recurring Bill Payment – CNP |
1.53% + US$0.05 |
|
Recurring Bill Payment – CNP Small Merchant |
1.43% + US$0.05 |
Visa Secured Enhanced Card Credit Card-Not-Present Token Fee Programs
|
Fee Program |
Rate |
|
Recurring Telecommunications and Cable Threshold – Tier 1 |
1.28% + US$0.05 |
|
Recurring Telecommunications and Cable Threshold – Tier 2 |
1.38% + US$0.05 |
|
Recurring Telecommunications and Cable Threshold – Tier 3 |
1.48% + US$0.05 |
|
Charity and Religious Organizations – CNP |
1.35% + US$0.05 |
|
Government – CNP |
1.50% + US$0.10 |
|
Travel – CNP |
1.60% + US$0.10 |
|
Taxi 1 – CNP |
2.15% |
|
Taxi 1 – CNP Small Merchant |
2.10% |
|
Real Estate – CNP |
1.48% + US$0.05 |
|
Real Estate – CNP Small Merchant |
1.48% + US$0.05 |
|
Education – CNP |
1.48% + US$0.05 |
|
Education – CNP Small Merchant |
1.43% + US$0.05 |
|
Healthcare – CNP |
1.48% + US$0.05 |
|
Healthcare – CNP Small Merchant |
1.43% + US$0.05 |
|
Advertising – CNP |
1.60% + US$0.10 |
|
Advertising – CNP Small Merchant |
1.55% + US$0.10 |
|
Insurance – CNP |
1.48% + US$0.05 |
|
Insurance – CNP Small Merchant |
1.43% + US$0.05 |
|
Services – CNP |
1.60% + US$0.10 |
|
Services – CNP Small Merchant |
1.55% + US$0.10 |
|
Recurring Bill Payment – CNP |
1.48% + US$0.05 |
|
Recurring Bill Payment – CNP Small Merchant |
1.43% + US$0.05 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Non-Token/DCAP Transactions
|
Fee Program |
Rate |
|
Recurring Telecommunications & Cable Threshold – Tier 1 |
1.23% + US$0.05 |
|
Recurring Telecommunications & Cable Threshold – Tier 2 |
1.33% + US$0.05 |
|
Recurring Telecommunications & Cable Threshold – Tier 3 |
1.43% + US$0.05 |
|
Charity & Religious Organizations – CNP |
1.30% + US$0.05 |
|
Government – CNP |
1.45% + US$0.10 |
|
Travel – CNP |
1.55% + US$0.10 |
|
Taxi 1 – CNP |
2.10% |
|
Taxi 1 – CNP Small Merchant |
2.05% |
|
Real Estate – CNP |
1.43% + US$0.05 |
|
Real Estate – CNP Small Merchant |
1.43% + US$0.05 |
|
Education – CNP |
1.43% + US$0.05 |
|
Education – CNP Small Merchant |
1.38% + US$0.05 |
|
Healthcare – CNP |
1.43% + US$0.05 |
|
Healthcare – CNP Small Merchant |
1.38% + US$0.05 |
|
Advertising – CNP |
1.55% + US$0.10 |
|
Advertising – CNP Small Merchant |
1.50% + US$0.10 |
|
Insurance – CNP |
1.43% + US$0.05 |
|
Insurance – CNP Small Merchant |
1.38% + US$0.05 |
|
Services – CNP |
1.55% + US$0.10 |
|
Services – CNP Small Merchant |
1.50% + US$0.10 |
|
Recurring Bill Payment – CNP |
1.43% + US$0.05 |
|
Recurring Bill Payment – CNP Small Merchant |
1.38% + US$0.05 |
Visa Secured Enhanced Card Credit Card-Not-Present Token/DCAP Fee Programs
|
Fee Program |
Rate |
|
Recurring Telecommunications and Cable Threshold – Tier 1 |
1.18% + US$0.05 |
|
Recurring Telecommunications and Cable Threshold – Tier 2 |
1.28% + US$0.05 |
|
Recurring Telecommunications and Cable Threshold – Tier 3 |
1.38% + US$0.05 |
|
Charity & Religious Organizations – CNP |
1.30% + US$0.05 |
|
Government – CNP |
1.40% + US$0.10 |
|
Travel – CNP |
1.50% + US$0.10 |
|
Taxi 1 – CNP |
2.05% |
|
Taxi 1 – CNP Small Merchant |
2.05% |
|
Real Estate – CNP |
1.38% + US$0.05 |
|
Real Estate – CNP Small Merchant |
1.43% + US$0.05 |
|
Education – CNP |
1.38% + US$0.05 |
|
Education – CNP Small Merchant |
1.38% + US$0.05 |
|
Healthcare – CNP |
1.38% + US$0.05 |
|
Healthcare – CNP Small Merchant |
1.38% + US$0.05 |
|
Advertising – CNP |
1.50% + US$0.10 |
|
Advertising – CNP Small Merchant |
1.50% + US$0.10 |
|
Insurance – CNP |
1.38% + US$0.05 |
|
Insurance – CNP Small Merchant |
1.38% + US$0.05 |
|
Services – CNP |
1.50% + US$0.10 |
|
Services – CNP Small Merchant |
1.50% + US$0.10 |
|
Recurring Bill Payment – CNP |
1.38% + US$0.05 |
|
Recurring Bill Payment – CNP Small Merchant |
1.38% + US$0.05 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Present Transactions
|
Fee Program |
Rate |
|
Charity and Religious Organizations – CP |
1.35% + US$0.05 |
|
Government – CP |
1.55% + US$0.10 |
|
Travel – CP |
1.65% + US$0.10 |
|
Supermarket – CP |
1.50% + US$0.07 |
|
Supermarket – CP Small Merchant |
1.50% + US$0.07 |
|
Taxi 2 – CP |
2.10% |
|
Taxi 2 – CP Small Merchant |
2.10% |
|
Real Estate – CP |
1.43% + US$0.05 |
|
Real Estate – CP Small Merchant |
1.43% + US$0.05 |
|
Education – CP |
1.43% + US$0.05 |
|
Education – CP Small Merchant |
1.43% + US$0.05 |
|
Healthcare – CP |
1.43% + US$0.05 |
|
Healthcare – CP Small Merchant |
1.43% + US$0.05 |
|
Advertising – CP |
1.55% + US$0.10 |
|
Advertising – CP Small Merchant |
1.55% + US$0.10 |
|
Insurance – CP |
1.43% + US$0.05 |
|
Insurance – CP Small Merchant |
1.43% + US$0.05 |
|
Services – CP |
1.55% + US$0.10 |
|
Services – CP Small Merchant |
1.55% + US$0.10 |
|
Small Ticket |
2.20% |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Present Transactions Less Than US $100
|
Fee Program |
Rate |
|
Restaurant 2 – CP |
2.05% + US$0.10 |
|
Restaurant 2 – CP Small Merchant |
2.05% + US$0.10 |
|
Product 2 – CP |
1.46% + US$0.20 |
|
Product 2 – CP Small Merchant |
1.24% + US$0.20 |
|
Consumer Bill Payment Service (CBPS) – CP |
1.85% + US$0.20 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Present Transactions Greater Than or Equal to US $100
|
Fee Program |
Rate |
|
Restaurant 2 – CP |
2.10% |
|
Restaurant 2 – CP Small Merchant |
2.10% |
|
Product 2 – CP |
1.46% + US$0.10 |
|
Product 2 – CP Small Merchant |
1.24% + US$0.10 |
|
Consumer Bill Payment Service (CBPS) – CP |
1.85% + US$0.10 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Non-Token Transactions Less Than US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.15% + US$0.10 |
|
Restaurant 1 – CNP Small Merchant |
2.10% + US$0.10 |
|
Product 1 – CNP |
1.85% + US$0.20 |
|
Product 1 – CNP Small Merchant |
1.53% + US$0.20 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.85% + US$0.20 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Non-Token Transactions Greater Than or Equal to US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.20% |
|
Restaurant 1 – CNP Small Merchant |
2.15% |
|
Product 1 – CNP |
1.85% + US$0.10 |
|
Product 1 – CNP Small Merchant |
1.53% + US$0.10 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.85% + US$0.10 |
Visa Secured Enhanced Card Credit Card-Not-Present Token Transactions Less Than US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.10% + US$0.10 |
|
Restaurant 1 – CNP Small Merchant |
2.10% + US$0.10 |
|
Product 1 – CNP |
1.80% + US$0.20 |
|
Product 1 – CNP Small Merchant |
1.48% + US$0.20 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.80% + US$0.20 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Token Transactions Greater Than or Equal to US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.15% |
|
Restaurant 1 – CNP Small Merchant |
2.15% |
|
Product 1 – CNP |
1.80% + US$0.10 |
|
Product 1 – CNP Small Merchant |
1.48% + US$0.10 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.80% + US$0.10 |
Visa Secured Enhanced Card Credit Card-Not-Present Non-Token/DCAP Transactions Less Than US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.05% + US$0.10 |
|
Restaurant 1 – CNP Small Merchant |
2.05% + US$0.10 |
|
Product 1 – CNP |
1.75% + US$0.20 |
|
Product 1 – CNP Small Merchant |
1.43% + US$0.20 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.75% + US$0.20 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Non-Token/DCAP Transactions Greater Than or Equal to US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.10% |
|
Restaurant 1 – CNP Small Merchant |
2.10% |
|
Product 1 – CNP |
1.75% + US$0.10 |
|
Product 1 – CNP Small Merchant |
1.43% + US$0.10 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.75% + US$0.10 |
Updated Fee Programs for Visa Secured Enhanced Card Credit Card-Not-Present Token/DCAP Transactions Less Than US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.00% + US$0.10 |
|
Restaurant 1 – CNP Small Merchant |
2.05% + US$0.10 |
|
Product 1 – CNP |
1.70% + US$0.20 |
|
Product 1 – CNP Small Merchant |
1.38% + US$0.20 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.70% + US$0.20 |
Updated Fee Edit Criteria for Visa Secured Enhanced Card Credit Card-Not-Present Token/DCAP Transactions Greater Than or Equal to US $100
|
Fee Program |
Rate |
|
Restaurant 1 – CNP |
2.00% |
|
Restaurant 1 – CNP Small Merchant |
2.10% |
|
Product 1 – CNP |
1.70% + US$0.10 |
|
Product 1 – CNP Small Merchant |
1.38% + US$0.10 |
|
Consumer Bill Payment Service (CBPS) – CNP |
1.70% + US$0.10 |
Discover
Updated Pricing Programs
Discover is adjusting the interchange eligibility of certain industries, as listed below: Pricing programs determine how fees and interchange rates are applied to different merchant categories and transaction types.
Program requirements are as below:
- Removal of Warehouse Clubs from the Supermarkets program and
- Addition of Charity (8398) MCC.
Updated Interchange Program Rates and Fees
Discover has updated the Consumer Credit Card Products (Core, Core Plus, Premium, Premium Plus) with different rates and transaction fees for categories like Hotels/Car Rentals and Passenger Transport. Programs like Prime Submission Level (PSL) define eligibility and rates for specific merchant categories (e.g., Hotels, Passenger Transport).
|
Existing Rates |
Core |
Core Plus |
Premium |
Premium Plus |
||||
|
Acquirer Interchange Program |
Rate |
Trans Fee |
Rate |
Trans Fee |
Rate |
Trans Fee |
Rate |
Trans Fee |
|
PSL – Hotels/Car Rentals |
1.58% |
$0.10 |
1.92% |
$0.10 |
2.30% |
$0.10 |
2.57% |
$0.10 |
|
PSL – Passenger Transport |
1.75% |
$0.10 |
1.92% |
$0.10 |
2.30% |
$0.10 |
2.40% |
$0.10 |
|
New Rates |
Core |
Core Plus |
Premium |
Premium Plus |
||||
|
Acquirer Interchange Program |
Rate |
Trans Fee |
Rate |
Trans Fee |
Rate |
Trans Fee |
Rate |
Trans Fee |
|
PSL – Hotels/Car Rentals |
1.75% |
$0.10 |
1.92% |
$0.10 |
2.25% |
$0.10 |
2.55% |
$0.10 |
|
PSL – Passenger Transport |
1.75% |
$0.10 |
1.92% |
$0.10 |
2.25% |
$0.10 |
2.55% |
$0.10 |
Article by Xplor Pay
First published: March 03 2026
Last updated: March 03 2026