Effective April 22, 2022, we will update our systems to reflect the April card brand technical updates. Here’s an overview of what’s changing.
Visa
Visa is modifying the existing US Utility interchange fee program to provide differentiated rates for recurring bill payment utility transactions from non-regulated Visa consumer and Visa Business Debit and prepaid Products.
- Visa Consumer Debit or Prepaid: $0.45
- Visa Business Debit or Prepaid: $0.75
Visa will implement changes to assess new merchant segment interchange fee programs that will apply to non-tokenized Visa consumer credit purchase transactions that meet CPS card not present qualification. These new interchange programs will provide a slightly higher interchange rate for certain card not present Visa consumer credit transactions that do not contain a Visa token.
- Merchants that do less than $250,000 per year of gross Visa volume will be eligible for Visa tokenized rates.
| Visa Consumer Credit | Ticket | Traditional | Rewards | Signature | Sig Pref / Infinite |
| Real Estate (6513) CNP Non Token | min $500 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 | 2.25% + $0.10 |
| Education CNP Non Token | min $500 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 | 2.25% + $0.10 |
| Healthcare CNP Non Token | min $500 | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 | 2.40% + $0.10 |
| Advertising (7311) CNP Non Token | N/A | 1.65% + $0.10 | 1.80% + $0.10 | 1.85% + $0.10 | 2.40% + $0.10 |
| Insurance (5960, 6300) CNP Non Token | N/A | 1.53% + $0.05 | 1.53% + $0.05 | 1.53% + $0.05 | 2.35% + $0.10 |
| Services CNP Non Token | min $100 | 1.65% + $0.10 | 1.80% + $0.10 | 1.95% + $0.10 | 2.40% + $0.10 |
| Visa Consumer Credit | Traditional | Rewards | Signature | Sig Pref / Infinite |
| Product 1 CNP SM Merch | 1.58% + $0.10 | 1.73% + $0.10 | 1.73% + $0.10 | 2.18% + $0.10 |
| Product 2 CP SM Merch | 1.29% + $0.10 | 1.43% + $0.10 | 1.43% + $0.10 | 1.88% + $0.10 |
| Visa Consumer Credit | Traditional | Rewards | Signature | Sig Pref / Infinite |
| Product 1 CNP NW Token | 1.80% + $0.10 | 1.95% + $0.10 | 1.95% + $0.10 | 2.40% + $0.10 |
Mastercard
| Interchange Program Type | Core | Premium | Super Premium |
| Interregional Consumer Rate I: Digital Commerce | 1.60% | 1.85% | 1.98% |
| Interregional Consumer Rate II: Card Present | 1.10% | 1.85% | 1.98% |
| Interregional Consumer Rate III: Base | 1.60% | 1.85% | 1.98% |
Discover
Discover is introducing new US Consumer Charity interchange programs for transactions containing MCC 8398 – Charitable/Social Services.
| Discover Consumer Credit | Core | Rewards | Premium | Premium Plus |
| PSL – Charity | 1.40% + $0.05 | 1.50% + $0.05 | 1.50% + $0.05 | 2.30% + $0.10 |
| Discover Consumer Debit | Debit | Regulated Debit | Reg Debit w/Fraud | Prepaid | Regulated Prepaid | Regulated Prepaid w/Fraud |
| PSL – Charity | 0.90% + $0.20 | 0.05% + $0.21 | 0.05% + $0.22 | 0.90% + $0.20 | 0.05% + $0.21 | 0.05% + $0.22 |
American Express OptBlue
American Express is updating both tolerance and rates for Services and Professional Services qualifications.
| Tier | Min Ticket | Max Ticket | Swiped | Non-Swiped |
| Micro | $0.01 | $5.00 | 2.00% + $0.02 | 2.30% + $0.02 |
| Micro | $5.01 | $15.00 | 1.60% + $0.04 | 1.90% + $0.04 |
| Credit Tier 1 | $15.01 | $150.00 | 1.65% + $0.10 | 1.95% + $0.10 |
| Credit Tier 2 | $150.01 | $3,000.00 | 2.00% + $0.10 | 2.30% + $0.10 |
| Credit Tier 3 | $3,000.01 | N/A | 2.40% + $0.10 | 2.70% + $0.10 |
| Consumer Debit | N/A | N/A | 0.99% + $0.15 | 1.29% + $0.15 |
| Business Debit | N/A | N/A | 1.94% + $0.10 | 2.24% + $0.10 |
