On 26 February 2010 MasterCard announced it would implement new interim Intra-EEA cross-border POS (point of sale) interchange fees(1) on MasterCard and Maestro consumer cards, which will become effective from 1 April 2010, while it continues to pursue its application under Article 230 of the EC Treaty for the annulment of the European Commission's Decision of 19 December 2007 before the European Court of First Instance.
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.
MasterCard Consumer Card Interchange Fees The following table shows the associated requirements for each of the interchange tiers. The following table shows the associated requirements for each of the interchange tiers. The following table shows the associated requirements for each of the Purchase at ATM interchange tiers.
Fee Tier
MasterCard Consumer, MasterCard Electronic, MasterCard Prepaid Consumer
MasterCard World
MasterCard World Signia
Debit MasterCard
PayPass
0.18% + 0.03 €
0.18% + 0.03 €
0.18% + 0.03 €
0.14% + 0.03 €
Chip
0.14% + 0.05 €
0.93%
1.13%
0.10% + 0.05 €
Enhanced Electronic
0.16% + 0.05 €
0.96%
1.16%
0.11% + 0.05 €
Merchant UCAF (*)
0.16% + 0.05 €
0.98%
1.18%
0.11% + 0.05 €
Full UCAF (*)
0.17% + 0.05 €
1.00%
1.20%
0.12% + 0.05 €
Base
0.18% + 0.05 €
1.02%
1.22%
0.13% + 0.05 €
(*) Applicable only through the use of MasterCard SecureCode via Universal Cardholder Authentication Field (UCAF) authentication.
MasterCard Commercial Card Interchange Fees
Fee Tier
MasterCard Corporate, MasterCard Electronic Corporate
MasterCard BusinessCard, MasterCard Electronic BusinessCard, MasterCard Professional Card, MasterCard Prepaid Commercial
MasterCard FleetCard
MasterCard Purchasing Card
Chip
1.50%
1.25%
1.25%
1.25%
Enhanced Electronic
1.60%
1.35%
1.35%
1.35%
Merchant UCAF (*)
1.60%
1.35%
1.35%
1.35%
Full UCAF (*)
1.75%
1.50%
1.50%
1.50%
Base
1.90%
1.65%
1.65%
1.65%
Large Ticket Level 1 (**)
N.A.
N.A.
1.00% + 20.00 €
1.00% + 20.00 €
Large Ticket Level 2 (***)
N.A.
N.A.
0.75% + 45.00 €
0.75% + 45.00 €
Incentive (****)
-0.30%
-0.30%
-0.30%
-0.50€
(*) Applicable only through the use of MasterCard SecureCode via Universal Cardholder Authentication Field (UCAF) authentication.
(**) Applicable to transactions over 3,000 €. The enriched data incentive is not applicable.
(***) Applicable to transactions over 10,000 €. The enriched data incentive is not applicable.
(****) If the acquirer meets the requirements and provides the required additional data, MasterCard will calculate the fee amount by deducting the incentive rate from the applicable interchange. Incentive not applicable to PayPass, Large Ticket Level 1 and Large Ticket Level 2.
MasterCard Interchange Tiers
Transaction Type
Card
Terminal
PIN Verification (Face-to-face)
SecureCode (e-commerce)
Transaction Amt Limit
Timeliness (*)
PayPass
Face-to-face
Contactless M/Chip
Contactless
N.A.
N.A.
<= 25 €
<= 4 days
Chip
Face-to-face
No
EMV
No
N.A.
No
<= 4 days
Enhanced Electronic
Face-to-face
No
Mag stripe
No
N.A.
No
<= 4 days
Merchant UCAF
e-commerce
No
N.A.
N.A.
Merchant
No
<= 4 days
Full UCAF
e-commerce
No
N.A.
N.A.
Issuer & Merchant
No
<= 4 days
Base
All
No
No
No
N.A.
No
N.A.
Large Ticket Level 1
All
No
No
No
N.A.
>3,000 €
<= 4 days
Large Ticket Level 2
All
No
No
No
N.A.
>10,000 €
<= 4 days
(*)Timeliness: Days between the presentation of the clearing record to MasterCard and the transaction date
Maestro Interchange Fees
Fee Tier
Maestro, Maestro Prepaid Consumer
Maestro Prepaid Commercial
Chip
0.10% + 0.05 €
0.40% + 0.05 €
Chip - Late Presentment
0.12% + 0.05 €
0.75% + 0.05 €
PIN-verified
0.11% + 0.05 €
0.50% + 0.05 €
Signature verified
0.12% + 0.05 €
0.75% + 0.05 €
Secure E-Commerce
0.13% + 0.05 €
1.05% + 0.05 €
Mail Order/ Telephone order
0.13% + 0.05 €
1.05% + 0.05 €
PayPass
0.14% + 0.03 €
0.45% + 0.03 €
MasterCard Interchange Tiers
Transaction Type
Card
Terminal
PIN Verification (Face-to-face)
SecureCode (e-commerce)
Transaction Amt Limit
Timeliness (*)
PayPass
Face-to-face
Contactless M/Chip
Contactless (EMV)
N.A.
N.A.
<= 25 €
<= 5 days
Chip
Face-to-face
No
EMV
No
N.A.
No
<= 5 days
Chip - Late Presentment
Face-to-face
No
EMV
No
N.A.
No
N.A.
PIN-verified
Face-to-face
No
No
PIN
N.A.
No
N.A.
Signature verified
Face-to-face
No
No
No (Signature)
N.A.
No
N.A.
Secure E-Commerce
e-commerce
No
N.A.
N.A.
Merchant & Issuer
No
N.A.
Mail Order/ Telephone order
MO/TO
No
N.A.
N.A.
N.A.
No
N.A.
(*)Timeliness: Days between the presentation of the clearing record to MasterCard and the transaction date
MasterCard Consumer Card Purchase at ATM Interchange Fees
Fee Tier
MasterCard Consumer, MasterCard Electronic, MasterCard Prepaid Consumer
MasterCard World
MasterCard World Signia
Debit MasterCard
Purchase at ATM
0.14% + 0.05 €
0.93%
1.13%
0.10% + 0.05 €
Purchase at ATM - Late Presentment
0.18% + 0.05 €
1.02%
1.22%
0.13% + 0.05 €
MasterCard Commercial Card Purchase at ATM Interchange Fees
Fee Tier
MasterCard Corporate, MasterCard Electronic Corporate
MasterCard BusinessCard, MasterCard Electronic BusinessCard, MasterCard Professional Card, MasterCard Prepaid Commercial
MasterCard FleetCard
MasterCard Purchasing Card
Purchase at ATM
1.50%
1.25%
1.25%
1.25%
Purchase at ATM - Late Presentment
1.90%
1.65%
1.65%
1.65%
Maestro Purchase at ATM Interchange Fees
Fee Tier
Maestro, Maestro Prepaid Consumer
Maestro Prepaid Commercial
Purchase at ATM
0.10% + 0.05 €
0.40% + 0.05 €
Purchase at ATM - Late Presentment
0.12% + 0.05 €
0.75% + 0.05 €
MasterCard Interchange Tiers
Transaction Type
Card
Terminal
PIN Verification (Face-to-face)
SecureCode (e-commerce)
Transaction Amt Limit
Timeliness (*)
Purchase at ATM
Purchase at ATM
No
CAT Level 1
No
N.A.
No
<= 4 days
Purchase at ATM - Late Presentment
Purchase at ATM
No
CAT Level 1
No
N.A.
No
N.A.
(*)Timeliness: Days between the presentation of the clearing record to MasterCard and the transaction date