MasterCard Effective April 17, 2015 U.S. Region Interchange Programs and Rates
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1 MsterCrd Effective April 17, 2015 U.S. Region Interchnge Progrms nd Rtes U.S. Region MsterCrd Consumer Credit Rtes Group Core Vlue Enhnced Vlue World World High Vlue World Elite Airline N/A N/A N/A 2.30% % Chrities 2.00% % % % % Convenience Purchses Bse 1.90% % % % % Convenience Purchses Tier I 1.35% % % % % Full UCAF 1.78% % % % % Key-entered 1.89% % % % % Lodging nd 1.58% % N/A N/A N/A Auto Rentl Merchnt UCAF 1.68% % % % % Merit I 1.89% % % % % Merit I (Insurnce MCCs) 1.43% % % % % Merit I (Rel Estte MCCs) 1.10% % % % % Merit III Bse 1.58% % % % % Merit III Tier % % % % % Merit III Tier % % % % % Merit III Tier % % % % % MsterCrd U.S. Region Interchnge Progrms nd Rtes 1
2 Group Core Vlue Enhnced Vlue World World High Vlue World Elite Pssenger Trnsport 1.75% % N/A N/A N/A Pyment Trnsction Petroleum Bse 0.19% % % % % % mx fee: % mx fee: % mx fee: % mx fee: % mx fee: 0.95 Public Sector 1.55% % % % % Resturnt 1.73% % % Service Industries 1.15% % % % % Stndrd 2.95% % % % % Supermrket Bse 1.48% % % % % Supermrket Tier % % % % % Supermrket Tier % % % % % Supermrket Tier % % % % % T&E N/A N/A 2.30% % % T&E Lrge Ticket N/A N/A N/A 2.00% % Utilities 0.00% % % % % Consumer Credit Refund Group 1 N/A N/A 2.42% % % Consumer Credit Refund Group % % % % % MsterCrd U.S. Region Interchnge Progrms nd Rtes
3 Group Consumer Credit Refund Group 3 Consumer Credit Refund Group 4 Consumer Credit Refund Group 5 Core Vlue Enhnced Vlue World World High Vlue World Elite 1.95% % % % % % % % % % % % % % % U.S. Region MsterCrd Consumer Credit Tier Qulifying Criteri Tier Minimum Annul Consumer Credit Core Vlue, Enhnced Vlue, World, World High Vlue, nd World Elite Volume Merit III Tier 1 Tier 2 Tier 3 USD 1.80 billion USD 1.25 billion USD 750 million Supermrket Tier 1 Tier 2 Tier 3 USD 6.00 billion USD 2.00 billion USD 750 million Convenience Purchses Tier 1 b USD 1.00 billion b The minimum nnul Consumer Credit Core Vlue, Enhnced Vlue, World, World High Vlue, nd World Elite volume is bsed on merchnt s October 2013 September 2014 volume settled through the Globl Clering Mngement System (GCMS) tht qulified for the Merit III, Supermrket, or the Convenience Purchse interchnge progrms nd requires MsterCrd pproved nd ssigned Merchnt ID. Only retil nd resturnt MCCs my qulify for Merit III Tier 1, 2, or 3. A merchnt my lso qulify for the Convenience Purchses tier if ALL the following requirements re met (1) Minimum nnul MsterCrd Consumer Credit volume of USD 75 million settled through GCMS tht qulified for the Convenience Purchses interchnge rte progrms, (2) 60% of MsterCrd Consumer Credit trnsctions re USD 20 or lower, (3) Merchnt must offer MsterCrd prepid products (gift or relodble), (4) Provide cceptnce messge t the point-of-sle CPOS) AND (5) Not tiered merchnt for Consumer Credit Merit 3. MsterCrd U.S. Region Interchnge Progrms nd Rtes 3
4 U.S. Region MsterCrd Consumer Debit nd Prepid Rtes Progrm Nme Debit Rte Prepid Rte Chrities 1.45% % Emerging Mrkets 0.80% % Emerging Mrkets (Eduction/Gov t) 0.65% % Full UCAF 1.25% % Key-Entered 1.60% % Lodging nd Auto Rentl 1.15% % Merchnt UCAF 1.15% % Merit I 1.60% % Merit I (Rel Estte MCCs) Merit I (Consumer Lon MCC) 1.10% % % (2.95 mximum) 0.80% (2.95 mximum) Merit III Bse 1.05% % Merit III Tier % % Merit III Tier % % Merit III Tier % % Pssenger Trnsport 1.60% % Pyment Trnsction 0.19% % Petroleum CAT/AFD 0.70% (0.95 mximum) 0.70% (0.95 mximum) Petroleum Service Sttion 0.70% (0.95 mximum) 0.70% (0.95 mximum) Resturnt 1.19% % Service Industries 1.15% % Smll Ticket Bse 1.55% % Smll Ticket Tier % % Stndrd 1.90% % Supermrket Bse 1.05% (0.35 mximum) 1.05% (0.35 mximum) Supermrket Tier % (0.35 mximum) 0.70% (0.35 mximum) Supermrket Tier % (0.35 mximum) 0.83% (0.35 mximum) Supermrket Tier % (0.35 mximum) 0.95% (0.35 mximum) Utilities 0.00% % MsterCrd U.S. Region Interchnge Progrms nd Rtes
5 Progrm Nme Debit Rte Prepid Rte Consumer Debit Refund Group 1 Consumer Debit Refund Group 2 Consumer Debit Refund Group % % % % % % Regulted POS Debit 0.05% % Regulted POS Debit with Frud Adjustment Regulted POS Debit Smll Ticket Regulted POS Debit Smll Ticket with Frud Adjustment 0.05% % % % % % The Merit 1 Consumer Lon rte requires MsterCrd pproved nd ssigned Merchnt ID. U.S. Region MsterCrd Consumer Debit nd Prepid Tier Qulifying Criteri Tier Tier 1 Tier 2 Tier 3 Minimum Annul Consumer Debit nd Prepid Merit III nd Supermrket Volume USD 400 million USD 275 million USD 150 million The minimum nnul Consumer Debit nd Prepid volume is bsed on merchnt s October 2013 September 2014 unregulted volume settled through GCMS tht qulified for the Merit III or Supermrket interchnge progrms nd requires MsterCrd pproved nd ssigned Merchnt ID. Only retil nd resturnt MCCs my qulify for Merit III Tier 1, 2, or 3. U.S. Region MsterCrd Consumer Debit nd Prepid Smll Ticket Tier Qulifying Criteri Tier Tier 1 Minimum Annul Consumer Debit nd Prepid Smll Ticket Trnsctions 175 million The minimum Consumer Debit nd Prepid volume or trnsctions is bsed on merchnt s October 2013 September 2014 unregulted volume or trnsctions settled through GCMS tht qulified for the Smll Ticket interchnge progrms nd requires MsterCrd pproved nd ssigned Merchnt ID. MsterCrd U.S. Region Interchnge Progrms nd Rtes 5
6 U.S. Region MsterCrd Commercil Rtes Smll Business Credit Progrm Nme Level 1/Business Core Level 2 /Business World Level 3/Business World Elite Level 4 Chrities 2.00% % % % Dt Rte I 2.65% % % % Dt Rte II 2.00% % % % Dt Rte III 1.75% % % % Fce-to-fce 2.00% % % % Lrge Ticket I 1.20% % % % Lrge Ticket II 1.20% % % % Lrge Ticket III 1.20% % % % Lrge Ticket I, II, nd III (Lodging MCCs) 2.30% N/A N/A N/A Pyment Trnsction 0.19% % % % Rebte 0.00% % % % Stndrd 2.95% % % % Supermrket 2.00% % % % T&E Rte I 2.50% % % % T&E Rte II 2.35% % % % T&E Rte III 2.30% % % % MsterCrd U.S. Region Interchnge Progrms nd Rtes
7 Progrm Nme Level 1/Business Core Level 2 /Business World Level 3/Business World Elite Level 4 Utilities 0.00% % % % Commercil Refund Group % % % % Commercil Refund Group % % % % Commercil Refund Group % % % % Commercil Refund Group % % % % The Lodging MCC s ( nd 7011) were dded to the Lrge Ticket IRDS (62,94,nd 99) which will hve n MCC override pplied to them for Business Debit/Prepid nd the Smll Business Level 1 only. The override will be set equl to the corresponding product T&E 3 rte. U.S. Region MsterCrd Commercil Rtes Business Debit/Prepid nd Lrge Mrket Credit Progrm Nme Business Debit/Prepid Lrge Mrket Chrities 2.00% % Dt Rte I 2.65% % Dt Rte II 2.20% % Dt Rte II (Petroleum MCCs) 2.05% % Dt Rte III 1.80% % Fce-to-fce 2.20% % Fce-to-fce (Petroleum MCCs) 2.05% % Lrge Ticket I 1.25% % Lrge Ticket II 1.25% % Lrge Ticket III 1.25% % MsterCrd U.S. Region Interchnge Progrms nd Rtes 7
8 Progrm Nme Business Debit/Prepid Lrge Mrket Lrge Ticket I, II, nd III (Lodging MCCs) b 2.30% N/A Pyment Trnsction 0.19% % Rebte 0.00% % Stndrd 2.95% % Supermrket 2.20% % T&E Rte I 2.50% % T&E Rte II 2.35% % T&E Rte III 2.30% % T&E Rte III (Airline MCCS) 2.30% % Utilities 0.00% N/A Commercil Refund Group % % Commercil Refund Group % % Commercil Refund Group % % Commercil Refund Group % % Regulted POS Debit 0.05% N/A Regulted POS Debit with Frud Adjustment 0.05% N/A Regulted POS Debit Smll Ticket Bse 0.05% N/A Regulted POS Debit Smll Ticket with Frud Adjustment 0.05% N/A b Fce-to-fce (Petroleum MCCs) is not vilble for the Fleet product. The Lodging MCC s ( nd 7011) were dded to the Lrge Ticket IRDS (62,94,nd 99) which will hve n MCC override pplied to them for Business Debit/Prepid nd the Smll Business Level 1 only. The override will be set equl to the corresponding product T&E 3 rte. 8 MsterCrd U.S. Region Interchnge Progrms nd Rtes
9 U.S. Region MsterCrd Commercil Rtes Lrge Ticket MPG / Commercil Pyments Account Lrge Ticket MPG / Commercil Pyments Account Trnsction Amounts Less thn USD 7,255 Rte Lrge Mrket Rtes pply Lrge Ticket 1 (USD 7, ,000) 1.20% Lrge Ticket 2 (USD 25, ,000) 1.00% Lrge Ticket 3 (USD 100, ,000) 0.90% Lrge Ticket 4 (USD 500, ,999) 0.80% Lrge Ticket 5 (More thn USD 1,000,000) 0.70% Refer to the following Lrge Ticket Trnsction Size Requirements tble. Lrge Ticket Trnsction Size Requirements Progrm Nme All Commercil Products Commercil Lrge Ticket I 7,255 Commercil Lrge Ticket II 25,000 Commercil Lrge Ticket III 100,000 U.S. Region MsterCrd PIN Debit Rtes Progrm Nme Rte PIN Debit All Other Bse 0.90% PIN Debit All Other Tier 1 PIN Debit All Other Tier 2 PIN Debit Convenience Bse PIN Debit Convenience Tier 1 PIN Debit Convenience Tier 2 PIN Debit Supermrket/Wrehouse Bse 0.50% (0.50 mximum) 0.60% (0.65 mximum) 0.75% (0.95 mximum) 0.75% (0.95 mximum) 0.75% (0.95 mximum) 1.05% (0.35 mximum) PIN Debit Supermrket/Wrehouse Tier % PIN Debit Supermrket/Wrehouse Tier % PIN Regulted POS Debit 0.05% PIN Regulted POS Debit with Frud Adjustment 0.05% MsterCrd U.S. Region Interchnge Progrms nd Rtes 9
10 U.S. Region MsterCrd PIN Debit Tier Qulifying Criteri Tier Tier 1 Tier 2 Minimum Annul PIN Debit Supermrket, Convenience, nd All Other Trnsctions 12.5 million 5.5 million The minimum nnul PIN debit trnsctions is bsed on merchnt s October 2013 September 2014 unregulted trnsctions settled through the Single Messge System nd requires MsterCrd pproved nd ssigned Merchnt ID. 10 MsterCrd U.S. Region Interchnge Progrms nd Rte
11 U.S. Region Interchnge Bulletin 1, 12 Februry MsterCrd. Proprietry. All rights reserved.
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