On 12 June 2008 MasterCard announced that, effective 21 June 2008, it would temporarily repeal its MasterCard and Maestro Intra-EEA cross-border consumer card interchange fees in conformity with the European Commission's 19 December 2007 Decision. These temporary consumer card interchange fees(1) are applicable as of 21 June 2008 to cross-border Point-of-Sale transactions within the MasterCard Europe EEA sub-region as defined below.
MasterCard has appealed on 1 March 2008 the Commission's Decision before the Court of First Instance in Luxemburg. Meanwhile, MasterCard continues its dialogue with the Commission services about an interchange fee methodology that the Commission services believe is consistent with the EC Decision.
MasterCard reserves the right to change the below rates at any time. Any changes will be published promptly on this website.
The MasterCard Europe EEA sub-region includes the 27 Member States of the European Union (Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, United Kingdom), Iceland, Liechtenstein, Norway, Andorra, Falkland Islands, Faroe Islands, French Guiana, Gibraltar, Greenland, Guadeloupe, Martinique, Monaco, Reunion, San Marino, and Holy See (Vatican).
(1) Interchange fees apply only to the purchase part of the transaction.Consumer Cards
| Payment Product | Fee Tier | Fee Rate |
|---|---|---|
| MasterCard (excluding World Signia), MasterCard World |
||
| Chip | 0.00%t | |
| Enhanced Electronic | 0.00%t | |
| Merchant UCAF | 0.00%t | |
| Full UCAF | 0.00%t | |
| Base | 0.00%t | |
| MasterCard World Signia | ||
| Chip | 0.00%t | |
| Enhanced Electronic | 0.00%t | |
| Merchant UCAF | 0.00%t | |
| Full UCAF | 0.00%t | |
| Base | 0.00%t | |
| MasterCard Prepaid Consumer | ||
| Chip | 0.00%t | |
| Enhanced Electronic | 0.00%t | |
| Merchant UCAF | 0.00%t | |
| Full UCAF | 0.00%t | |
| Base | 0.00%t | |
| MasterCard Electronic | ||
| Chip | 0.00%t | |
| Enhanced Electronic | 0.00%t | |
| Full UCAF (*) | 0.00%t | |
| Base | 0.00%t | |
| Debit MasterCard | ||
| Chip | 0.00%t | |
| Enhanced Electronic | 0.00%t | |
| Merchant UCAF | 0.00%t | |
| Full UCAF | 0.00%t | |
| Base | 0.00%t | |
| Maestro | ||
| Chip | 0.00%t | |
| Chip Late Presentment | 0.00%t | |
| PIN Verified | 0.00%t | |
| Signature Verified | 0.00%t | |
| Secure e- & m-commerce | 0.00%t | |
| PayPass | 0.00%t | |
| Maestro Prepaid Consumer | ||
| Chip | 0.00%t | |
| Chip Late Presentment | 0.00%t | |
| PIN Verified | 0.00%t | |
| Signature Verified | 0.00%t | |
| Secure e- & m-commerce | 0.00%t | |
| PayPass | 0.00%t |
(t)Temporary rate
Commercial Cards
| Payment Product | Fee Tier | Fee Rate |
|---|---|---|
| MasterCard Corporate | ||
| Chip | 1.50% | |
| Enhanced Electronic | 1.60% | |
| Merchant UCAF | 1.60% | |
| Full UCAF | 1.75% | |
| Base | 1.90% | |
| Incentive Rate (**) | (-0.30%) | |
| MasterCard Electronic Corporate | ||
| Chip | 1.50% | |
| Enhanced Electronic | 1.60% | |
| Full UCAF (*) | 1.75% | |
| Base | 1.90% | |
| Incentive Rate (**) | (-0.30%) | |
| MasterCard BusinessCard | ||
| Chip | 1.25% | |
| Enhanced Electronic | 1.35% | |
| Merchant UCAF | 1.35% | |
| Full UCAF | 1.50% | |
| Base | 1.65% | |
| Incentive Rate (**) | (-0.30%) | |
| MasterCard Electronic BusinessCard | ||
| Chip | 1.25% | |
| Enhanced Electronic | 1.35% | |
| Full UCAF (*) | 1.50% | |
| Base | 1.65% | |
| Incentive Rate (**) | (-0.30%) | |
| MasterCard Purchasing | ||
| Chip | 1.25% | |
| Enhanced Electronic | 1.35% | |
| Merchant UCAF | 1.35% | |
| Full UCAF | 1.50% | |
| Base | 1.65% | |
| Large Ticket Level 1 (***) | EUR 20.00 + 1.00% | |
| Large Ticket Level 2 (****) | EUR 45.00 + 0.75% | |
| Incentive Rate (**) | (- EUR 0.50) | |
| MasterCard Fleetcard | ||
| Chip | 1.25% | |
| Enhanced Electronic | 1.35% | |
| Merchant UCAF | 1.35% | |
| Full UCAF | 1.50% | |
| Base | 1.65% | |
| Large Ticket Level 1 (***) | EUR 20.00 + 1.00% | |
| Large Ticket Level 2 (****) | EUR 45.00 + 0.75% | |
| Incentive Rate (**) | (-0.30%) | |
| MasterCard Prepaid Commercial Cards | ||
| Chip | 1.25% | |
| Enhanced Electronic | 1.35% | |
| Merchant UCAF | 1.35% | |
| Full UCAF | 1.50% | |
| Base | 1.65% | |
| Incentive Rate (**) | (-0.30%) | |
| Maestro Prepaid Commercial Cards | ||
| Chip | EUR 0.05 + 0.40% | |
| Chip Late Presentment | EUR 0.05 + 0.50% | |
| PIN Verified | EUR 0.05 + 0.50% | |
| Signature Verified | EUR 0.05 + 0.75% | |
| Secure e- & m-commerce | EUR 0.05 + 1.05% | |
| PayPass | EUR 0.03 + 0.45% |