MasterCard Intra-EEA Fallback POS Interchange Fees

    On 11 June 2013 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 July 2013.

    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 28 Member States of the European Union [Austria, Belgium, Bulgaria, Croatia (as of 1 July 2013), Cyprus, Czech Republic, Denmark (including Faroe Islands, Greenland), Estonia, Finland, France (including French Guiana, Guadeloupe, Martinique, Reunion, Mayotte, Saint Barthelemy, Saint Martin [French Part]), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and United Kingdom (including Falklands, Gibraltar, Guernsey, Isle of Man, Jersey, Saint Helena, Ascension and Tristan Da Cunha Helena, South Georgia and the South Sandwich Islands)], Andorra, Iceland, Liechtenstein, Monaco, Norway (including Svalbard and Jan Mayen, Antarctica), San Marino, and Holy See (Vatican City State)

    (1) Interchange fees apply only to the purchase part of the transaction.

    MasterCard Consumer Card Interchange Fees

    Fee Tier MasterCard Consumer, MasterCard Electronic, MasterCard Prepaid Consumer MasterCard World MasterCard World Elite/ World Signia Debit MasterCard, MasterCard Debit
    PayPass 0.16% + €0.025 0.97% 1.17% 0.15% + €0.025
    MasterPass Wallet 0.16% + €0.025 0.97% 1.17% 0.15% + €0.025
    Chip 0.16% + €0.025 0.97% 1.17% 0.15% + €0.025
    Enhanced Electronic 0.16% + €0.025 0.97% 1.17% 0.15% + €0.025
    Merchant UCAF 0.16% + €0.025 0.97% 1.17% 0.15% + €0.025
    Full UCAF 0.17% + €0.025 0.97% 1.17% 0.16% + €0.025
    Base 0.18% + €0.025 0.97% 1.17% 0.17% + €0.025

    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.


    The following table shows the associated requirements for each of the interchange tiers.

    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 Maestro Small Business
    PayPass 0.125% + €0.025 0.45% + €0.03 0.80%
    Chip 0.125% + €0.025 0.40% + €0.05 1.25%
    Chip - Late Presentment 0.145% + €0.025 0.75% + €0.05 1.65%
    PIN-verified 0.135% + €0.025 0.50% + €0.05 1.35%
    Signature verified 0.145% + €0.025 0.75% + €0.05 1.65%
    Secure E-Commerce 0.155% + €0.025 1.05% + €0.05 1.50%
    Mail Order/ Telephone order 0.155% + €0.025 1.05% + €0.05 1.50%

    The following table shows the associated requirements for each of the interchange tiers.

    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 Elite/ World Signia Debit MasterCard, MasterCard Debit
    Purchase at ATM 0.16% + €0.025 0.97% 1.17% 0.15% + €0.025
    Purchase at ATM - Late Presentment 0.18% + €0.025 0.97% 1.17% 0.17% + €0.025

    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 Maestro Small Business
    Purchase at ATM 0.125% + €0.025 0.40% + €0.05 1.25%
    Purchase at ATM - Late Presentment 0.145% + €0.025 0.75% + €0.05 1.65%

    The following table shows the associated requirements for each of the Purchase at ATM interchange tiers.

    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