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Information for Merchants

Interchange is a fee paid by the merchant bank (acquirer) to the cardholder’s bank (issuing bank) in relation to a payment transaction to compensate the issuing bank for a portion of the risks and costs it incurs to maintain cardholder accounts. MasterCard has the authority to define default cross-border and intra-country (domestic) interchange fee programs. Consistent with its approach to setting interchange fees elsewhere in the world, the goal of MasterCard in setting default interchange fees is to ensure both the wide-spread issuance of MasterCard cards by licensees and the wide-spread acceptance of MasterCard cards by merchants.

MasterCard is leading the industry in bringing transparency to the interchange system by posting Intra-EEA and MasterCard-set intra-country POS (point of sale) interchange fees for EEA countries as well as rules documents on its corporate website.