Setting interchange at the right level is important. Too high, retailers may choose not to accept cards. Too low, issuing banks have no incentive to cover the risks of issuing payment cards. The optimum level also helps ensure issuers and acquirers deliver effective services, and spur innovations in payment solutions.
Interchange rates let electronic payments deliver maximum value at the lowest cost for retailers and consumers, and promotes credit availability for small businesses – driving financial inclusion.
The Mastercard EEA subregion includes all of the following:
Any changes will be published promptly on this website.
(*) 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
The following table shows the associated requirements for each of the interchange tiers