International Card Present Debit – Visa Interchange

You may also see these categories referred to as “interregional” debit. These rates do not apply to international credit cards, which have their own categories. They also do not apply to “card-not-present” transactions of any kind – debit or credit. International Card Present Debit Rates Visa technically only lists 1 interchange rate/category for transactions that …

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Commercial Card Present – Business Debit and Prepaid Visa Interchange

These categories do not apply to credit cards of any kind or to consumer debit or prepaid cards. Commercial Card Present – Business Interchange Rates There are two categories, with corresponding rates. However, one category specifically refers to “regulated” cards, which I’ll get into in detail later in this article. Volume Rate Per-Transaction Fee Commercial …

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Consumer Standard Interchange – Visa Debit and Prepaid

Standard is the most expensive possible interchange category for consumer cards. It means that you paid the maximum to process that transaction. Seeing a lot of “Standard” or abbreviations like “CONS STND” on your monthly processing statements? That indicates a problem with your transaction process. If you’re a CardFellow member, give us a call for …

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CPS Card Not Present Debit – Visa Interchange

Contrary to popular belief, debit cards do not incur flat fees. You’ll be charged a percentage of the total and a per-transaction fee, just like with credit cards. However, card-not-present (CNP) debit has more possible interchange categories. There are technically ten interchange categories for Visa CNP debit, but five of them are simply the “regulated …

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CPS Retail Debit and Prepaid – Visa Interchange

Note that the debit categories only apply to signature debit. (Sometimes called “running as credit.”) PIN debit transactions do not receive interchange fees. Instead, they’re charged PIN debit network fees. If you’re looking for that info, check our article on PIN debit costs. CPS Retail Debit Rates There are technically four debit categories under the …

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Visa Purchasing Card Not Present

The Commercial Purchasing Card – Card Not Present (or COMM CNP P) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a commercial purchasing card instead of a consumer credit card.