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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.

Mastercard intra-EEA fallback POS interchange fees

The Mastercard EEA subregion includes all of the following:

  • The Member States of the European Union: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Cyprus, Denmark, Estonia, Finland (including Aland Islands), France (including French Guiana, Guadeloupe, Martinique, Réunion, Saint Martin [French Part], and Mayotte), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal (including Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including Canary Islands, Ceuta, Melilla), and Sweden.
  • Iceland, Liechtenstein, Norway (including Svalbard and Jan Mayen), United Kingdom (including Gibraltar)

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