Interchange Summary April2010

This contains a compilation of information received from various sources. This information is presented solely for the convenience of the
reader and should not be used as a substitute for your own research and reference to actual regulations and/or other official documents or
as a substitute for consulting your legal advisor. First National Merchant Solutions, LLC and its affiliates shall not be responsible for any
inaccurate, outdated or incomplete information. The information contained in this document is CONFIDENTIAL to the business and
operations of First National Merchant Solutions and shall not be duplicated or disclosed in whole or in part without the prior written
permission of First National Merchant Solutions. Copyright © 2010 First National Merchant Solutions, LLC. All rights reserved.
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Omaha, Nebraska 68197
Phone: 800-228-2443
www.fnms.com
The payment processor you rely on for
service and stability
First National
Merchant Solutions,
LLC
Interchange Summary
April 2010
1

Visa April 2010
Category Rate Per Item
Max.
debit only Page #
Visa Consumer Debit Card Rates
CPS Account Funding Debit 1.75% $0.20 n/a 12
CPS Automated Fuel Dispenser 0.75% $0.17 $0.95 12
CPS Car Rental Debit 1.36% $0.15 n/a 12
CPS Car Rental Card Not Present 1.36% $0.15 n/a 13
CPS Card Not Present Debit 1.60% $0.15 n/a 13
CPS Debit Tax Payment 1 n/a $2.50 n/a 13
CPS Debit Tax Payment 2 0.00% $0.00 n/a 14
CPS Debt Repayment 0.35% $0.50 n/a 14
CPS E-commerce Debit Basic 1.60% $0.15 n/a 14
CPS E-Commerce Car Rental Preferred Debit 1.36% $0.15 n/a 15
CPS E-Commerce Hotel Preferred Debit 1.36% $0.15 n/a 15
CPS E-Commerce Preferred Debit 1.55% $0.15 n/a 16
CPS Hotel Debit 1.36% $0.15 n/a 16
CPS Hotel Debit - Card Not Present 1.36% $0.15 n/a 17
CPS Restaurant Debit 1.19% $0.10 n/a 17
CPS Retail Debit 0.95% $0.20 n/a 17
CPS Retail Debit Threshold I 0.62% $0.13 n/a 17
CPS Retail Debit Threshold II 0.81% $0.13 n/a 18
CPS Retail Debit Threshold III 0.92% $0.15 n/a 18
CPS Retail Key Entry Debit 1.60% $0.15 n/a 18
CPS Service Station Debit 0.75% $0.17 $0.95 18
CPS Retail 2 Debit 0.80% $0.25 n/a 18
CPS Small Ticket Debit 1.55% $0.04 n/a 19
CPS Supermarket Debit 0.95% $0.20 $0.35 19
CPS Supermarket Threshold I 0.62% $0.13 $0.35 19
CPS Supermarket Threshold II 0.81% $0.13 $0.35 19
CPS Supermarket Threshold III 0.92% $0.15 $0.35 19
Electronic, EIRF Debit Fuel 1.75% $0.20 $0.95 19
Electronic, EIRF Debit 1.75% $0.20 n/a 19
Standard Debit 1.90% $0.25 n/a 20
Utility Debit n/a $0.75 n/a 20
Visa Consumer Credit Card Rates
CPS Account Funding 2.14% $0.10 n/a 21
CPS Automated Fuel Dispenser 1.15% $0.25 n/a 21
CPS Car Rental Credit 1.54% $0.10 n/a 21
CPS Car Rental Card Not Present Credit 1.54% $0.10 n/a 22
CPS Card Not Present Credit 1.80% $0.10 n/a 22
CPS E-Commerce Basic Credit 1.80% $0.10 n/a 22
CPS E-Commerce Preferred Car Rental Credit 1.54% $0.10 n/a 23
CPS E-Commerce Preferred Hotel Credit 1.54% $0.10 n/a 23
CPS E-Commerce Preferred Credit 1.80% $0.10 n/a 24
CPS Hotel Credit 1.54% $0.10 n/a 24
CPS Hotel - Card Not Present 1.54% $0.10 n/a 25
CPS Restaurant Credit 1.54% $0.10 n/a 25
CPS Retail Credit 1.54% $0.10 n/a 25
CPS Retail Credit Threshold I 1.43% $0.10 n/a 25
CPS Retail Credit Threshold II 1.47% $0.10 n/a 25
CPS Retail Credit Threshold III 1.51% $0.10 n/a 25
CPS Retail Key Entry Credit 1.80% $0.10 n/a 25
CPS Retail Service Station Credit 1.15% $0.25 n/a 26
Visa Assessments 0.0925% x Gross Sales Dollars. All rates are subject to change and include a % + per item
where applicable.
2

Visa April 2010
Max.
debit only Page #
CPS Retail 2 Credit 1.43% $0.05 n/a 26
CPS Small Ticket Credit 1.65% $0.04 n/a 26
CPS Supermarket Credit 1.24% $0.05 n/a 26
CPS Supermarket Threshold I 1.15% $0.05 n/a 26
CPS Supermarket Threshold II 1.20% $0.05 n/a 26
CPS Supermarket Threshold III 1.22% $0.05 n/a 27
EIRF Credit 2.30% $0.10 n/a 27
Business to Business Signature Preferred 2.10% $0.10 n/a 27
CNP Signature Preferred 2.40% $0.10 n/a 27
Electronic Signature Preferred 2.40% $0.10 n/a 27
Fuel Signature Preferred 1.15% $0.25 n/a 27
Retail Signature Preferred 2.10% $0.10 n/a 27
Standard Signature Preferred 2.95% $0.10 n/a 28
Signature Electronic (EIRF) 2.30% $0.10 n/a 28
Signature Card Rewards 1 1.65% $0.10 n/a 28
Signature Card Rewards 2 1.95% $0.10 n/a 28
Standard Credit 2.70% $0.10 n/a 28
Traditional Rewards I 1.65% $0.10 n/a 28
Traditional Rewards II 1.95% $0.10 n/a 28
Utility Credit n/a $0.75 n/a 28
Visa Commercial Card Rates
Commercial B2B Business Card 2.10% $0.10 n/a 29
Commercial Business Utility n/a $1.50 n/a 29
Commercial Card Not Present Business Card 2.25% $0.10 n/a 29
Commercial Electronic Business Card 2.40% $0.10 n/a 29
Commercial Card non T&E Level II Data Business Card 2.05% $0.10 n/a 30
Commercial non-T&E Level III Data - Purchasing Card 1.80% $0.10 n/a 30
Commercial non T&E Level II Data- Purchasing Card 2.05% $0.10 n/a 30
Commercial Retail - Business Card 2.20% $0.10 n/a 30
Commercial Standard Business Card 2.95% $0.10 n/a 30
Commercial B2B Corporate Card 2.10% $0.10 n/a 29
Commercial Card Not Present Corporate Card 2.20% $0.10 n/a 29
Commercial Electronic Corporate Card 2.25% $0.10 n/a 29
Commercial non-T&E Level II Data Corporate Card 2.05% $0.10 n/a 30
Commercial Retail Corporate Card 2.10% $0.10 n/a 30
Commercial Standard Corporate Card 2.95% $0.10 n/a 30
Commercial B2B Purchasing Card 2.10% $0.10 n/a 29
Commercial Card Not Present Purchasing Card 2.55% $0.10 n/a 29
Commercial Electronic Purchasing Card 2.65% $0.10 n/a 29
Commercial Retail Purchasing Card 2.30% $0.10 n/a 30
Commercial Standard Purchasing Card 2.95% $0.10 n/a 30
Purchasing GSA Large Ticket 1.20% $39.00 n/a 30
Purchasing Card Electronic with Data 2.65% $0.10 n/a 31
Purchasing Card Government-to-Government 1.65% $0.10 n/a 29
Purchasing Large Ticket 0.95% $35.00 n/a 31
Visa Consumer Credit Credit Voucher Rates
Consumer Non-Passenger Transport 1.76% n/a n/a 28
Consumer MO/TO and E-Commerce 2.05% n/a n/a 28
Visa Consumer Debit Credit Voucher Rates
Consumer Non-Passenger Transport 1.31% n/a n/a 20
Consumer MO/TO and E-Commerce 1.87% n/a n/a 20
where applicable.
3

Visa April 2010
Max.
debit only Page #
Visa Commercial Credit Voucher Rates
Non-Passenger Transport 2.24% n/a n/a 31
Visa Interregional:
Business and Signature Business Card Corporate Card 1.80% n/a n/a 32
Purchasing Card 1.80% n/a n/a 32
Infinite Card 1.80% n/a n/a 32
Signature Card 1.80% n/a n/a 32
Signature Preferred Card 1.80% n/a n/a 32
Secure Electronic Commerce 1.44% n/a n/a 32
Secure Electronic Commerce - Electron Card 1.44% n/a n/a 33
Electronic Commerce Merchant 1.44% n/a n/a 33
Electronic commerce Merchant - Electron Card 1.44% n/a n/a 33
Electronic 1.10% n/a n/a 33
Electronic Electron Card 1.10% n/a n/a 34
Issuer Chip 1.20% n/a n/a 34
Isser Chip - Electron Card 1.20% n/a n/a 34
Standard 1.60% n/a n/a 34
Standard - Electron Card 1.60% n/a n/a 35
Visa Regional Programs:
Business and Signature Business Card 1.80% n/a n/a 36
Corporate Card 1.80% n/a n/a 36
Electronic Commerce Merchant 1.44% n/a n/a 37
Electronic Commerce Merchant - Electron Card 1.44% n/a n/a 37
Electronic Electron Card 1.10% n/a n/a 38
Issuer Chip 1.20% n/a n/a 38
Isser Chip - Electron Card 1.20% n/a n/a 38
Puerto Rico:
Puerto Rico Domestic Electronic:
Emerging and Small Ticket Debit (Classic, Electron, Gold) 1.05% n/a n/a 40
Emerging and Small Ticket Credit (Classic, Gold) 1.10% n/a n/a 40
Emerging and Small Ticket Commercial (Platinum,
Commercial) 1.25% n/a n/a 40
Emerging and Small Ticket Signature 1.28% n/a n/a 40
Puerto Rico Domestic Electronic Utilities: n/a n/a
Emerging and Small Ticket Utilities Debit (Classic, Electron,
Gold) 1.05% n/a n/a 40
Emerging and Small Ticket Utilities Credit (Classic, Gold) 1.10% n/a n/a 40
Emerging and Small Ticket Utilities Commercial (Platinum,
Commercial) 1.25% n/a n/a 40
Emerging and Small Ticket Utilities Signature 1.28% n/a n/a 40
Puerto Rico Domestic Electronic Retail Group 1: n/a n/a
Retail Group 1 Debit (Classic, Electron, Gold) 1.30% n/a n/a 41
Retail Group 1 Credit (Classic, Gold) 1.35% n/a n/a 41
where applicable.
4

Visa April 2010
Max.
debit only Page #
Retail Group 1 Commercial (Platinum, Commercial) 1.85% n/a n/a 41
Retail Group 1 Signature 2.00% n/a n/a 41
Puerto Rico Domestic Electronic Retail Group 2: n/a n/a
Retail Group 2 Debit (Classic, Electron, Gold) 1.25% n/a n/a 41
Retail Group 2 Credit (Classic, Gold) 1.30% n/a n/a 41
Retail Group 2 Commercial (Platinum, Commercial) 1.80% n/a n/a 41
Retail Group 2 Signature 1.90% n/a n/a 41
Puerto Rico Domestic Standard n/a n/a
Standard Debit (Classic, Electron, Gold) 1.65% n/a n/a 42
Standard Credit (Classic, Gold) 1.65% n/a n/a 42
Standard Commercial (Platinum, Commercial) 1.85% n/a n/a 42
Standard Signature 2.00% n/a n/a 42
Virgin Island DOMESTIC
Business and Signature Business Card 1.80% n/a n/a 43
Corporate Card 1.80% n/a n/a 43
Electronic Commerce Merchant VI 1.44% n/a n/a 44
Electronic Commerce Merchant - Electron Card 1.44% n/a n/a 44
Electronic - Visa Electron 1.10% n/a n/a 44
Issuer Chip VI 1.20% n/a n/a 44
Issuer Chip - Visa Electron VI 1.20% n/a n/a 44
where applicable.
5

MasterCard Worldwide April 2010
Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Per Item Max. Page #
Full Debit UCAF 1.15% $0.15 n/a 46
Petroleum CAT/AFD Debit 0.70% $0.17 $0.95 46
Emerging Market Debit 0.80% $0.25 n/a 46
Key-Entered Debit 1.64% $0.16 n/a 46
Restaurant Debit 1.19% $0.10 n/a 46
Petroleum Service Stations Debit 0.70% $0.17 $0.95 47
Small Ticket Debit 1.55% $0.04 n/a 47
Small Ticket Tier 1 Debit 1.30% $0.02 47
Supermarket Debit Base 1.05% $0.15 $0.35 47
Supermarket Debit Tier 1 0.70% $0.15 $0.35 47
Merchant Debit UCAF 1.05% $0.15 n/a 48
Merit I Debit 1.64% $0.16 n/a 48
Merit I Debit - Real Estate 1.10% n/a n/a 48
Merit III Debit 1.05% $0.15 n/a 48
Merit III Debit Tier 1 0.70% $0.15 n/a 48
Service Industries (SIIP) Debit 1.15% $0.05 n/a 49
Standard Debit 1.90% $0.25 n/a 49
Travel Industries Premier Service (TIPS) 1.36% $0.15 n/a 49
Utilities Debit n/a $0.45 49
Convenience Purchase Credit 1.90% n/a 1.90% n/a 50
Merchant UCAF Credit 1.58% $0.10 1.73% $0.10 50
Key-Entered Credit 1.89% $0.10 2.04% $0.10 50
Supermarket Credit Base 1.48% $0.05 1.48% $0.05 50
Supermarket Credit Tier 1 1.27% n/a 1.27% n/a 50
Supermarket Credit Tier 2 1.32% n/a 1.32% n/a 51
Supermarket Credit Tier 3 1.42% $0.05 1.42% $0.05 51
Travel Industries Premier Service (TIPS) 1.58% $0.10 1.90% $0.10 51
Full UCAF Credit 1.68% $0.10 1.83% $0.10 51
Merit I Credit 1.89% $0.10 2.04% $0.10 51
Merit I Credit - Insurance 1.43% $0.05 1.43% $0.05 52
Merit I Credit - Real Estate 1.10% n/a 1.10% n/a 52
Merit III Credit Base 1.58% $0.10 1.73% $0.10 52
Merit III Credit Tier 1 1.43% $0.10 1.43% $0.10 52
Petroleum Credit 1.90% n/a $0.95 1.90% n/a $0.95 52
Public Sector Credit 1.55% $0.10 1.55% $0.10 52
Service Industries (SIIP) Credit 1.15% $0.05 1.15% $0.05 53
Standard Credit 2.95% $0.10 2.95% $0.10 53
Utilities Credit n/a $0.65 n/a $0.65 53
MasterCard Consumer Credit Card Rates
World Products
World Card Convenience Purchase 2.00% n/a 54
World Card Full UCAF 1.83% $0.10 55
MasterCard Consumer Debit Card Rates
MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per
item where applicable.
6

Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
World Card Key-Entered 2.05% $0.10 55
World Card Merchant UCAF 1.73% $0.10 55
World Merit I 2.05% $0.10 55
World Merit I - Insurance 1.43% $0.05 55
World Merit I - Real Estate 1.10% n/a 55
World Merit III Base 1.73% $0.10 55
World Merit III Tier 1 1.53% $0.10 56
World Petroleum 2.00% n/a $0.95 56
World Public Sector 1.55% $0.10 56
World Restaurant 1.73% $0.10 56
World Service Industries (SIIP) 1.15% $0.05 57
World Card Standard 2.95% $0.10 57
World Card Supermarket Base 1.58% $0.05 57
World Card Supermarket Credit Tier 1 1.37% n/a 57
World Card Supermarket Credit Tier 2 1.42% n/a 57
World Card Supermarket Credit Tier 3 1.52% $0.05 57
World Card T&E 2.30% $0.10 57
World Card Utilities n/a $0.65 58
World Elite Products & World High Value
World Elite Convenience Purchase 2.00% n/a 54
World Elite Full UCAF 2.30% $0.10 54
World Elite Key- Entered 2.50% $0.10 54
World Elite Merchant UCAF 2.20% $0.10 55
World Elite Merit I 2.50% $0.10 55
World Elite Merit I - Insurance 2.20% $0.10 55
World Elite Merit I - Real Estate 2.20% $0.10 55
World Elite Merit III Base 2.20% $0.10 55
World Elite Merit III Tier 1 2.05% $0.10 56
World Elite Petroleum 2.00% n/a $0.95 56
World Elite Public Sector 1.55% $0.10 56
World Elite Restaurant 2.20% $0.10 56
World Elite Service Industries (SIIP) 1.15% $0.05 57
World Elite Standard 3.25% $0.10 57
World Elite Supermarket Base 1.90% $0.05 57
World Elite Supermarket Credit Tier 1 1.37% n/a 57
World Elite Supermarket Credit Tier 2 1.42% n/a 57
World Elite Supermarket Credit Tier 3 1.52% $0.05 57
World Elite T&E 2.75% $0.10 57
World Elite Utilities n/a $0.75 58
World Elite T&E Large Ticket 2.00% n/a 58
MasterCard Commercial Card Rates
Commercial Data Rate I Business 2.65% $0.10 59
Commercial Data Rate II Business 2.20% $0.10 59
7

Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Commercial Data Rate II Petroleum Business 2.05% $0.10 59
Commercial Data Rate III Business 1.80% $0.10 60
Commercial Utilities n/a $1.50 60
Commercial Face-to-Face Business 2.20% $0.10 60
Commercial Face-to-Face Petroleum
Business 2.05% $0.10 61
Commercial Large Ticket I, II, III Business 1.25% $40.00 61
Commercial Standard Business 2.95% $0.10 61
Commercial T&E I Business 2.50% n/a 62
Commercial T&E II Business 2.35% $0.10 62
Commercial T&E III Business 2.30% $0.10 62
Commercial Data Rate I Corporate 2.65% $0.10 59
Commercial Data Rate II Corporate 2.15% $0.10 59
Commercial Data Rate II Petroleum
Corporate 2.05% $0.10 59
Commercial Data Rate III Corporate 1.80% $0.10 60
Commercial Face-to-Face Corporate 2.15% $0.10 60
Corporate 2.05% $0.10 61
Commercial Large Ticket I, II, III Corporate 1.25% $40.00 61
Commercial Standard Corporate 2.95% $0.10 61
Commercial T&E I Corporate 2.40% n/a 62
Commercial T&E II Corporate 2.25% $0.10 62
Commercial T&E III Corporate 2.20% $0.10 62
Commercial Data Rate I Purchasing 2.65% $0.10 59
Commercial Data Rate II Purchasing 2.40% $0.10 59
Commercial Data Rate II Petroleum
Purchasing 2.05% $0.10 59
Commercial Data Rate III Purchasing 1.80% $0.10 60
Commercial Face-to-Face Purchasing 2.40% $0.10 60
Purchasing 2.05% $0.10 61
Commercial Large Ticket I, II, III Purchasing 1.25% $40.00 61
Commercial Standard Purchasing 2.95% $0.10 61
Commercial T&E I Purchasing 2.70% n/a 62
Commercial T&E II Purchasing 2.55% $0.10 62
Commercial T&E III Purchasing 2.50% $0.10 62
Fleet Commercial Data Rate I 2.65% $0.10 59
Fleet Commercial Data Rate II 2.50% $0.10 59
Fleet Commercial Data Rate II Petroleum 2.05% $0.10 59
Fleet Commercial Data Rate III 1.80% $0.10 60
Fleet Commercial Face to Face 2.50% $0.10 60
Commercial Large Ticket I, II, III Fleet 1.25% $40.00 61
Commercial Standard Fleet 2.95% $0.10 61
Commercial T&E I Fleet 2.70% n/a 62
Commercial T&E II Fleet 2.55% $0.10 62
Commercial T&E III Fleet 2.50% $0.10 62
8

Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
MasterCard Corporate World & Corporate
World Elite
Commercial World Data Rate I 2.65% $0.10 63
Commercial World Data Rate II 2.15% $0.10 63
Commercial World Data Rate II Petroleum 2.05% $0.10 63
Commercial World Data Rate III 1.80% $0.10 64
Commercial World Face-to-Face 2.15% $0.10 64
Commercial World Face-to-Face Petroleum 2.05% $0.10 64
Commercial World Large Ticket I, II, III 1.25% $40.00 65
Commercial World Standard 2.95% $0.10 65
Commercial World T&E I 2.40% n/a 65
Commercial World T&E II 2.25% $0.10 65
Commercial World T&E III 2.20% $0.10 66
MasterCard Business World, World Elite &
Business Enhanced
Business World Data Rate I 2.82% $0.10 63
Business World Data Rate II 2.37% $0.10 63
Business World Data Rate II Petroleum 2.22% $0.10 63
Business World Data Rate III 1.97% $0.10 64
Business World Face-to-Face 2.37% $0.10 64
Business World Face-to-Face Petroleum 2.22% $0.10 64
Business World Large Ticket I, II, III 1.42% $40.00 65
Business World Standard 3.12% $0.10 65
Business World T&E I 2.67% n/a 65
Business World T&E II 2.52% $0.10 65
Business World T&E III 2.47% $0.10 66
Business World Elite Data Rate I 2.87% $0.10 63
Business World Elite Data Rate II 2.42% $0.10 63
Business World Elite Data Rate II Petroleum 2.27% $0.10 63
Business World Elite Data Rate III 2.02% $0.10 64
Business World Elite Face-to-Face 2.42% $0.10 64
Business World Elite Face-to-Face Petroleum 2.27% $0.10 64
Business World Elite Large Ticket I, II, III 1.47% $40.00 65
Business World Elite Standard 3.17% $0.10 65
Business World Elite T&E I 2.72% n/a 65
Business World Elite T&E II 2.57% $0.10 65
Business World Elite T&E III 2.52% $0.10 66
Business Enhanced Data Rate I 2.77% $0.10 63
Business Enhanced Data Rate II 2.32% $0.10 63
Business Enhanced Data Rate II Petroleum 2.17% $0.10 63
Business Enhanced Data Rate III 1.92% $0.10 64
Business Enhanced Face-to-Face 2.32% $0.10 64
Business Enhanced Face-to-Face Petroleum 2.17% $0.10 64
Business Enhanced Large Ticket I, II, III 1.37% $40.00 65
Business Enhanced Standard 3.07% $0.10 65
Business Enhanced T&E I 2.62% n/a 65
Business Enhanced T&E II 2.47% $0.10 65
9

Category
Core Value
Rate
Core
Per Item Max.
Enhanced
Value
Rate
Enhanced
Business Enhanced T&E III 2.42% $0.10 66
Business Enhanced Utilities n/a $1.50 66
Consumer Interregional Commercial Premium
2.00% n/a 66
Consumer Interregional Commercial Premium
(LAC) 2.00% n/a 66
MasterCard International Rates
International Consumer Electronic 1.10% n/a 67
International Consumer Standard 1.60% 67
International Electronic Full UCAF 1.54% 67
International Electronic Merchant UCAF 1.44% 68
International Purchasing Large Ticket 0.90% $30.00 68
International Purchasing Data Rate II 1.70% n/a 69
International Commercial Purchasing 2.00% n/a 69
International Commercial 2.00% n/a 69
Interregional Electronic Card Consumer 1.10% 69
Interregional Electronic Card Commercial 1.85% 69
MasterCard Consumer Credit Card, World
Card Refund Rates
Consumer Credit Refund Group 1 2.42% 66
Consumer Credit Refund Group 2 2.09% 58 / 66
MasterCard Consumer Debit Card Refund
Rates
Consumer Debit Refund Group 1 1.72% 49
Consumer Debit Refund Group 3 1.40% 49
MasterCard Corporate Card Refund Rates
Corporate Refund Group 1 2.37% 53 / 62
MasterCard Cross-border fees
Cross-border US charge type 6959 $0.0030
Cross-border Non-US charge type 6958 $0.0040
Acquirer Program Support fee assessment 0.45%
10

Discover April 2010
Category Rate & Per Item Page #
Discover Prime
Credit Rate Premium
Rate
Rewards
Rate
Debit Rate
Prime Recurring Payments 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 70
Prime Utilities 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 70
Prime Real Estate 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 70
Prime Insurance 1.43% + $0.05 1.43% + $0.05 1.43% + $0.05 0.80% + $0.25 70
Prime Supermarkets 1.40% + $0.05 1.65% + $0.05 1.65% + $0.05 (1.02% + $0.16)
(0.00% + $0.36) 70
Prime Emerging Markets 1.45% + $0.05 1.45% + $0.05 1.45% + $0.05 0.90% + $0.20 70
Prime Public Services 1.50% + $0.10 1.50% + $0.10 1.50% + $0.10 0.90% + $0.20 70
Prime Express Services 1.70% + $0.03 1.70% + $0.03 1.70% + $0.03 1.55% + $0.04 70
Prime Petroleum 1.55% + $0.05 1.73% + $0.05 1.73% + $0.05 0.76% + $0.16 70
Prime Retail 1.56% + $0.10 1.71% + $0.10 1.71% + $0.10 1.02% + $0.16 71
Prime Restaurants 1.56% + $0.10 2.20% + $0.10 1.90% + $0.10 1.19% + $0.10 71
Prime Hotels/Car Rentals 1.58% + $0.10 2.30% + $0.10 1.90% + $0.10 1.35% + $0.16 71
Prime Card Not Present/E-Commerce 1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16 71
Prime Key Entry 1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16 71
Discover Mid
Mid Submission Level 2.40% + $0.10 2.40% + $0.10 1.72% +$0.20 71
Mid Submission Level Premium 2.40% + $0.10 71
Discover Base
Base Submission Level 2.95% + $0.10 2.95% + $0.10 2.95% + $0.10 1.89% + $0.25 71
Discover Commercial
Commercial Utilities 0.00% + $1.50 71
Commercial Electronic 2.30% + $0.10 72
Commercial Base 2.95% + $0.10 72
Discover International
International Electronic Program 1.16% + $0.00 72
International Base Program 1.70% + $0.10 72
Discover Voucher
Consumer Core Consumer Adjustment Voucher
Program 1: Direct Marketing MCCs
2.07% 2.07% 2.07% 1.80%
72
Consumer Core Consumer Adjustment Voucher
Program 3: Non Direct Marketing/ Passenger
Transport
1.75% 1.75% 1.75% 1.35%
72
International Adjustment Voucher Program 0.00% + $0.00 72
Commercial Adjustment Voucher Program 2.25% + $0.00 72
The Discover rates shall only apply if First National Bank of Omaha settles payment for Discover transactions for
the Merchant. 11

Visa Qualification Criteria
Consumer Debit
Interchange Program Interchange Summary Description Rate
Per
Item Max
CPS Account Funding Debit
1514, 1515
• Card not present, secure E-commerce transaction
• Used when cardholder is funding brokerage and escrow accounts
• Processing code value for account funding must be present in authorization data
• One electronic authorization per clearing transaction
• AVS required in authorization, and optional in settlement
• Meets enhanced clearing data requirements
• Settlement within two business days from transaction date, including:
o Purchase date within one day of authorization date
o Customer service telephone number, e-mail address or URL in the descriptor city
field
o Source amount equal to authorized amount
o Mail/ Telephone order/ E-commerce indicator
• The debit rate does not apply to Visa International card products, only to U.S.
domestic card products
1.75% $0.20
CPS Automated Fuel Debit
1594, 1595, 1597, 1598
• Card present and no verifiable cardholder identification obtained
• Single electronic authorization = $1 status check
• Entire magnetic stripe contents or unaltered chip data included in authorization
request
• Merchant name and location included in authorization – credit and debit
• Transaction originates at a cardholder activated, self-service terminal connected to
an AFD
• Card activated terminal code (CAT) =3
• Transaction date must be within one day of authorization date
• Settlement within two business days from transaction date
• Clearing amount must be equal to or less than $125
• Valid MCC: 5542 Automated Fuel Dispensers
0.75% $0.17 $0.95
CPS Car Rental Debit
1580, 1581
• Card present, signature obtained
request
• Multiple authorizations and one reversal allowed, clearing amount must be within
15% of total authorization amount(s).
• Electronic authorizations must include the following:
o Estimated length of car rental
o Market-specific indicator
o Car rental check-out date
o Transaction date equal to the car rental return date
o Market-specific authorization data indicator included from authorization
o Rental Agreement number
o Total authorized amount
o Indicators for ancillary charges, if applicable
1.36% $0.15
12

Consumer Debit
Per
Item Max
CPS Car Rental – Card Not
Present
1570, 1571,1580, 1581
• Card not present, signature not required
• Applies to advance deposits, no-shows, or other key-entered transactions in which
the length of stay or rental is more than one day and a preferred customer indicator
is provided
• Key entry permitted
15% of total authorization amount(s)
• Electronic authorization must include the following:
o Estimated length of stay or car rental
o Preferred customer indicator
• Settlement within two business days of transaction date, including:
o Hotel check-in or car rental check-out date
o Transaction date equal to the hotel check-out date or car rental return date
o Folio number or Rental Agreement number
o Indicators for ancillary charges and/or no shows, if applicable
1.36% $0.15
CPS Card Not Present Debit
1590, 1591
• Card not present, mail or telephone order
• AVS required in auth & settlement, except for:
o Non-bill payment transactions for healthcare & select developing markets or utility
MCCs
o Bill payment trans
• One electronic autho per clearing transaction – one reversal permitted to make the
total authorized amount equal to the clearing amount
• Purchase date (ship date/transaction date) within seven calendar days after the
auth date
• Settle within two business days from tran date, including:
o Purchase date, which is ship date up to seven days after authorization
field
o Order number (purchase ID or invoice number)
o Mail/Telephone Order E-commerce indicator
• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound or 5967 Direct Marketing-Inbound
1.60% $0.10
CPS Debit Tax Payment 1
Debit
1034, 1035
• Card present and signature obtained
• Only MCC 9311 is eligible
request if card is present
• Authorization amount must match clearing amount exactly.
• Merchant name and location must be included in authorization request
• Merchant registration (MVV) code included
• Transaction amount $4.00 or greater
• Additional fields required in merchant name fields for settlement
$2.50
13

Consumer Debit
Per
Item Max
CPS Debit Tax Payment 2
Debit
1037, 1038
• Only MCC 9311 is eligible
request if card is present
• Authorization amount must match clearing amount exactly.
• Merchant registration (MVV) code included
• Convenience Fees < $4.00 ($3.95 Visa limit)
• Additional fields required in merchant name fields for settlement
0.00% $0.00
CPS Debt Repayment
1024, 1025
• Must meet CPS requirements of CPS Retail, CPS Card Not Present, CPS Retail
Key Entry, CPS Electronic Commerce Basic, CPS Electronic Commerce Preferred
Retail
• Special condition indicator of existing debt must = y
• Market specific indicator is B
• Processing Code of 50, auth indicator of Y
• MVV code required (registration required)
• Only MCCs 6012 and 6051 are eligible
0.35% $0.50
CPS E-Commerce Debit
Basic
1584, 1585
• Card not present
• Identified as an e-commerce transaction processed in a secure environment
• One electronic auth/clearing transaction, one reversal permitted to make the total
auth amount = to the clearing amount
• AVS is required in auth & optional in settlement
• Purchase Date (ship date/transaction date) must be w/in 7 calendar days after the
auth date
• Settlement w/in 2 business days from transaction date, including:
o Purchase date, which is ship date up to 7 days after authorization
o Customer service phone #, email address or URL in the descriptor city field
o Mail/Telephone Order, E-commerce indicator
• Aggregated micro-payments up to $15 must support partial auth, must pass
market-specific indicator of E & meet other requirements for participation including
autho indicator of Y. Single, electronic auth up to $15 aggregated purchases up to
authorized amount allowed over 3 days; a single clearing transaction submitted.
1.60% $0.15
14

Consumer Debit
Per
Item Max
CPS E-Commerce Car Rental
Preferred Debit
1080, 1081
• Card and cardholder are not present
• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV
Service
• Must receive “authentication confirmed” or “attempt” response
• Multiple authorizations and one reversal allowed to make the total amount
authorized=clearing amount
• Authorization must include the following:
o 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic
Commerce Transaction Identifier (XID/Transtain)
o Identical car return date
o Car check-out date
o Market-Specific Authorization Data Indicator included from authorization
o No show indicator, if applicable
o Customer Service phone number, email address or URL in the descriptor city field
1.36% $0.15
CPS E-Commerce Hotel
Preferred Debit
1080, 1081
Service
o Estimated length of stay
o Identical hotel check-out
o Hotel check-in date
o Folio number
1.36% $0.15
15

Consumer Debit
Per
Item Max
CPS E-Commerce Preferred
Debit
1054, 1055
service
• One electronic auth per clearing tran–one reversal permitted to make total auth
amount equal to clearing amount
• AVS is required in auth & optional for settlement
• Auth must include:
o 3D Secure fields (CAVV, ECI and XID/Transtain)
• Purchase Date (ship date/transaction date) must be within 7 calendar days after
the auth date
• Settle w/in 2 business days from tran date, including:
o Purchase date, which is ship date up to 7 days after auth
o Customer service phone #, email address or URL in the descriptor city field
• MCCs not eligible: 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound
or 5967 Direct Marketing-Inbound
• 3-D transactions are exempt from fraud-related chargebacks
1.55% $0.15
CPS Hotel Debit
1570, 1571
request
o Transaction date equal to the hotel check-out date
o Folio number
1.36% $0.15
16

Consumer Debit
Per
Item Max
CPS Hotel Debit – Card Not
Present
the length of stay or rental is more than one day and a preferred customer indicator
is provided
o Folio number
1.36% $0.15
CPS Restaurant Debit
1547, 1548
• Card present, signature required for transactions greater than $25
request
• Merchant name and location must be included in authorization request – debit
cards only
• Valid MCCs: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants
1.19% $0.10
CPS Retail Debit
1560, 1561
request
• Authorization amount must match clearing amount exactly. MCCs exempt from this
requirement are: 4124 Taxis and Limos, 5813 Bars, 7230 Beauty and Barber Shops,
7298 Health and Beauty Spas
• MCCs not eligible: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants,
5541 Service Stations, 5411 Grocery Stores/Supermarkets, 5962 Direct Marketing-
Travel, 5966 Direct Marketing-Outbound, 5967 Direct Marketing-Inbound
0.95% $0.20
CPS Retail Debit Threshold I • Performance-based minimum requirements: Threshold I - 42 million transactions,
$2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio,
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS
Retail Debit.
0.62% $0.13
17

Consumer Debit
Per
Item Max
CPS Retail Debit Threshold II • Performance-based minimum requirements: Threshold II - 22 million transactions,
Retail Debit.
0.81% $0.13
CPS Retail Debit Threshold
III
1577,1578
• Performance-based minimum requirements: Threshold III - 6.7 million
transactions, $350 million volume, 0.016% debit chargeback ratio, 0.035% credit
chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications
same as CPS Retail Debit.
0.92% $0.15
CPS Retail Key Entry Debit
1510, 1511
• Cardholder present and signature obtained
• Card present with key-entry due to failure in reading the magnetic stripe
• Does not apply to mail/telephone order or e-commerce
• Address Verification Service (AVS) with Zip Code Match (the following codes will
qualify) : B, C, D, G, I, M, P, R, S, U, W, X, Y, Z
• MCCs not eligible: 5542 Automated Fuel Dispensers, 5960 through 5969 Direct
Marketing
1.60% $0.15
CPS Retail Service Station
Debit
1557, 1558
• Card present, signature not required for transactions less than $25
request
• Authorization amount must match clearing amount exactly
• Valid MCC: 5541 Service Stations
0.75% $0.17 $0.95
CPS Retail 2 Debit
1530, 1531
• Authorization obtained on the transaction date
• Mail/Telephone order and face-to-face - settlement within three business days from
transaction date
• All other MCCs - settlement within two business days from transaction date
• Meets requirements for one of the five following CPS programs: Retail debit, Retail
Key Entry debit, Card Not Present debit, E-Commerce Basic debit, or E-Commerce
Preferred debit.
• Valid MCCs: 9211 Court Costs, 9222 Fines-Gov’t, 9399 Gov’t Services, 8211
Elementary/Secondary Schools, 8220 Colleges/Universities, 8299 Education
Services, 5960 Direct Marketing-Insurance Services, 5968 Direct Marketing-
Subscriptions, 5983 Fuel Dealers, 6300 Insurance Underwriting, 4899
Cable/Satellite-and other Pay TV & Radio, 8351 Child Care, 8398 Charities
0.80% $0.25
18

Consumer Debit
Per
Item Max
CPS Small Ticket Debit
1527, 1528
• Card present, cardholder signature is not required
• Transaction amount must be $15 or less
request including merchant name and location
• Cardholder ID method can not equal unattended terminal
• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/Limousines, 4131
Bus Lines, 4784 Tolls and Bridge fees, 5812 Eating Places/Restaurants, 5814 Fast
Food Restaurants, 5994 News Dealers and News stands, 7211 Laundries, 7216 Dry
Cleaners, 7338 Quick Copy Services, 7523 Parking Lots/Garages, 7542 Car
Washes, 7832 Motion Pictures Theaters, 7841 Video Tape Rental Stores
1.55% $0.04
CPS Supermarket Debit
1550, 1551, 1567, 1568
request
• Authorization amount must match clearing amount exactly
• Merchant name and location must be included in the authorization request
• Valid Merchant Category Code (MCC): 5411 Grocery Stores/Supermarkets
0.95% $0.20 $0.35
Threshold I
Performance-based minimum requirements: Threshold I - 42 million transactions,
Supermarket Debit.
0.62% $0.13 $0.35
Threshold II
• Performance-based minimum requirements: Threshold II - 22 million transactions,
Supermarket Debit.
0.81% $0.13 $0.35
Threshold III
• Performance-based minimum requirements: Threshold III - 6.7 million transactions,
$350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio,
Supermarket Debit.
0.92% $0.15 $0.35
Electronic, EIRF Debit Fuel
1027, 1028
• Electronic authorization
• Key-entry permitted
• Settlement within three business days from transaction date
• MCCs 5962, 5966, 5967 are not eligible
• MCCs 5541 & 5542 Only
1.75% $0.20 $0.95
Electronic, EIRF Debit
1520, 1521
• One authorization per clearing transaction
1.75% $0.20
19

Consumer Debit
Per
Item Max
Standard Debit
1500, 1501
• Authorization Required
• Settlement within 30 days of authorization.
• Please note: This is the only rate available for non-secure electronic commerce
transactions as well as MCCs 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound, 5967 Direct Marketing-Inbound
1.90% $0.25
Utility Debit
1030, 1031
• Merchant Category Code must be 4900 Utilities
• Registered with Visa and assigned Merchant Verification Value (MVV)
• Must meet requirements for one of the following programs: CPS Retail 2, CPS
Card Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS
Retail Key-Entry, CPS Retail
$0.75
Visa Debit Refund Rates
Credit Voucher Consumer
Non-Passenger Transport
1524, 1525
• Applies to cardholder returns on consumer cards
• Applies to all merchants except passenger transport (ie: railways, airlines) and
MO/TO, E-Commerce
• Applies to High Risk Direct Marketing MCCs 5962,5966, 5967
1.31%
Credit Voucher Consumer
MO/TO and E-Commerce
1574, 1575
• Excludes High Risk Direct Marketing MCCs 5962, 5966, 5967
1.87%
20

Consumer Credit
Per
Item
CPS Account Funding
1214, 1215, 1216, 1516, 1517 • Card not present, secure E-commerce transaction
• Used when cardholder is funding brokerage and escrow accounts
• Processing code value for account funding must be present in authorization data
• AVS required in authorization, and optional in settlement
o Purchase date within one day of authorization date
field
o Source amount equal to authorized amount
o Mail/ Telephone order/ E-commerce indicator
2.14% $0.10
CPS Automated Fuel Dispenser
1294, 1295, 1296, 1596
• Card present and no verifiable cardholder identification obtained
• Single electronic authorization = $1 status check
request
• Merchant name and location included in authorization
• Transaction originates at a cardholder activated, self-service terminal connected to
an AFD
• Card activated terminal code (CAT) =3
• Valid MCC: 5542 Automated Fuel Dispensers
1.15% $0.25
CPS Car Rental Credit
1280, 1281, 1282, 1582, 1583
request
1.54% $0.10
21

Consumer Credit
Per
Item
CPS Car Rental – Card Not Present
1270, 1271, 1272, 1572, 1573
the length of rental is more than one day and a preferred customer indicator is
provided
1.54% $0.10
CPS Card Not Present Credit
1290, 1291, 1292, 1592, 1593
• Card not present, mail or telephone order
• AVS is required in authorization and settlement, except for:
o Non-bill payment transactions for healthcare and select developing markets or utility
MCCs
o Bill payment transactions
• One electronic authorization per clearing transaction – one reversal permitted to
make the total authorized amount equal to the clearing amount
• Purchase date (ship date/transaction date) must be within seven calendar days after
the authorization date
field
1.80% $0.10
CPS E-Commerce Basic Credit
1284, 1285, 1286, 1586, 1587
• Identified as an e-commerce transaction processed in a secure environment
make the total authorization amount equal to the clearing amount
• AVS is required in authorization, and optional in settlement
• Purchase Date (ship date/transaction date) must be within seven calendar days
after the authorization date
o Customer service phone number, email address or URL in the descriptor city field
o Mail/Telephone Order, E-commerce indicator
• Aggregated micro-payments up to $15 must support partial authorization, must pass
market-specific indicator of E and meet other requirements for participation including
autho indicator of Y. Single, electronic auth up to $15 aggregated
purchases up to authorized amount allowed over three days; a single clearing
transaction submitted.
1.80% $0.10
22

Consumer Credit
Per
Item
CPS E-Commerce Preferred Car
Rental Credit
1380, 1381, 1382, 1082
Service
o Identical car return date
o Car check-out date
1.54% $0.10
CPS E-Commerce Preferred Hotel
Credit
1380, 1381, 1382, 1082
Service
o Identical hotel check-out date
o Folio number
1.54% $0.10
23

Consumer Credit
Per
Item
CPS E-Commerce Preferred Credit
1056, 1254, 1255, 1256
service
make the total authorization amount equal to the clearing amount
• AVS is required in authorization and optional for settlement
o 3D Secure fields (CAVV, ECI and XID/Transtain)
• Purchase Date (ship date/transaction date) must be within seven calendar days
after the authorization date
field
Please note: 3-D transactions are exempt from fraud-related chargebacks
• Aggregated micro-payments up to $15 must support partial authorization, must
pass market-specific indicator of E and meet other requirements for participation
including autho indicator of Y. Single, electronic auth up to $15 aggregated
purchases up to authorized amount allowed over three days; a single clearing
transaction submitted.
1.80% $0.10
CPS Hotel Credit
1270, 1271, 1272, 1572, 1573
request
o Transaction date equal to the hotel check-out date or car rental return date
o Folio number
1.54% $0.10
24

Consumer Credit
Per
Item
CPS Hotel – Card Not Present
1270, 1271, 1272, 1572, 1573
the length of stay or rental is more than one day and a preferred customer indicator is
provided
o Folio number
1.54% $0.10
CPS Restaurant Credit
1247, 1248, 1249, 1549
• Card present, signature required for transactions greater than $25
request
1.54% $0.10
CPS Retail Credit
1260, 1261, 1262, 1562, 1563
request
• MCC must be non-travel service
1.54% $0.10
CPS Retail Credit Threshold I • Performance-based minimum requirements: Threshold I - 42 million transactions,
Retail Credit
1.43% $0.10
CPS Retail Credit Threshold II
1277, 1278
0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail
Credit
1.47% $0.10
CPS Retail Credit Threshold III • Performance-based minimum requirements: Threshold III - 6.7 million transactions,
Retail Credit
1.51% $0.10
CPS Retail Key Entry Credit
1210, 1211, 1212, 1512, 1513
• Cardholder present and signature obtained
• Card present with key-entry due to failure in reading the magnetic stripe
• Does not apply to mail/telephone order or e-commerce
• Address Verification Service (AVS) with Zip Code Match (the following codes will
qualify) : B, C, D, G, I, M, P, R, S, U, W, X, Y, Z
• MCCs not eligible: 5542 Automated Fuel Dispensers, 5960 through 5969 Direct
Marketing
1.80% $0.10
25

Consumer Credit
Per
Item
CPS Retail Service Station Credit
1257, 1258, 1259, 1559
• Card present, signature not required for transactions less than $25
request
• Valid MCC: 5541 Service Stations
1.15% $0.25
CPS Retail 2 Credit
1230, 1231, 1232, 1532, 1533
• Authorization obtained on the transaction date
• Settlement within three business days from transaction date – for mail/ telephone
order and face-to-face, all others settlement within two business days from
transaction date
• Meets requirements for one of the five following CPS programs: Retail, Retail Key
Entry, Card Not Present, E-Commerce Basic, or E-Commerce Preferred.
• Valid MCCs: 9211 Court Costs, 9222 Fines-Gov’t, 9399 Gov’t Services, 8211
Elementary/Secondary Schools, 8220 Colleges/Universities, 8299 Education
Services, 5960 Direct Marketing-Insurance Services, 5968 Direct Marketing-
Subscriptions, 5983 Fuel Dealers, 6300 Insurance Underwriting, 4899 Cable/Satellite-
and other Pay TV & Radio, 8351 Child Care, 8398 Charities
1.43% $0.05
CPS Small Ticket Credit
1227, 1228, 1229, 1529
• Card present, cardholder signature is not required
• Transaction amount must be $15 or less
request including merchant name and location
• Cardholder ID method can not equal unattended terminal
• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/Limousines, 4131
Bus Lines, 4784 Tolls and Bridge fees, 5812 Eating Places/Restaurants, 5814 Fast
Food Restaurants, 5994 News Dealers and News stands, 7216 Dry Cleaners, 7211
Laundries, 7216 Dry Cleaners, 7338 Quick Copy Services, 7523 Parking
Lots/Garages, 7542 Car Washes, 7832 Motion Pictures Theaters, 7841 Video Tape
Rental Stores, 5541 Service Station
1.65% $0.04
CPS Supermarket Credit
1250, 1251, 1252, 1552, 1553
request
• Valid Merchant Category Code (MCC): 5411 Grocery Stores/Supermarkets
1.24% $0.05
Threshold I
Performance-based minimum requirements: Threshold I - 42 million transactions,
Supermarket Credit
1.15% $0.05
Threshold II
Supermarket Credit
1.20% $0.05
26

Consumer Credit
Per
Item
Threshold III
• Performance-based minimum requirements: Threshold III - 6.7 million transactions,
Supermarket Credit
1.22% $0.05
EIRF Credit
1220, 1221, 1222, 1522, 1523
2.30% $0.10
Business to Business Signature
Preferred
1Y57, 1Y58
• Visa Signature Preferred card used at Business to Business Merchant
• U.S. merchant and U.S. Acquirer
• Transaction must be CPS qualified
• Level II data requirements are not applicable to Signature cards
• MCCs eligible: see list in commercial B2B
2.10% $0.10
CNP Signature Preferred
1Y50, 1Y51
• Visa Signature Preferred card used at non-Travel Services Merchant
• Transaction must be CPS qualified for one of the following programs: CPS Card
Not Present, CPS E-Commerce Basic or Preferred, CPS Retail/2, or CPS Account
Funding
2.40% $0.10
Electronic Signature Preferred
1Y40, 1Y41
• Visa Signature Preferred Card used at Travel Service Merchant
• Transaction must be CPS qualified
2.40% $0.10
Fuel Signature Preferred
1Y30, 1Y31
• Card present, signature not required for transactions less than $25 (MCC 5541 only)
request
• Valid MCC: 5541 Service Stations & 5542 AFDs
1.15% $0.25
Retail Signature Preferred
1Y54, 1Y55
• Visa Signature Preferred card used at non-Travel Services Merchant
• Transaction must be CPS qualified for one of the following programs: CPS Retail,
CPS Supermarket, CPS Retail Key Entry, CPS Small Ticket
2.10% $0.10
27

Consumer Credit
Per
Item
Standard Signature Preferred
1Y00, 1Y01
• Visa Signature Preferred Card used at Travel Service Merchant
• Authorization
• Settle within 30 days of transaction date
2.95% $0.10
Signature Electronic (EIRF)
1T20, 1T21, 1T22
• Best rate for Visa Signature and Infinite card transactions from Travel Service
Merchants
2.30% $0.10
Signature Card Rewards 1
1340, 1341
• Must meet requirements for one of the following programs: CPS Automated Fuel
Dispenser, CPS Service Station, CPS Retail Thresholds I-III, CPS Retail, CPS
Supermarket Thresholds I – III, CPS Supermarket
1.65% $0.10
Signature Card Rewards 2
1344, 1345
• Must meet requirements for one of the following programs: CPS Card Not Present,
CPS E-Commerce Basic, CPS Retail Key Entry
1.95% $0.10
Standard Credit
1200, 1201, 1202, 1502, 1503
• Authorization required
• Settlement within 30 days of authorization
• Please note: This is the only rate available for non-secure electronic commerce
transactions as well as MCCs 5962 Direct Marketing-Travel, 5966 Direct Marketing-
Outbound, 5967 Direct Marketing-Inbound
2.70% $0.10
Traditional Rewards I
1300, 1301
• Must meet requirements for one of the following programs: CPS Automated Fuel
Dispenser, CPS Retail Service Station Credit, CPS Retail Credit, CPS Supermarket
Credit
1.65% $0.10
Traditional Rewards II
1304, 1305
• Must meet requirements for one of the following programs: CPS Restaurant Credit,
CPS Card Not Present, CPS E-Commerce Basic Credit, CPS E-Commerce Preferred
Hotel and Car Rental Credit, CPS Hotel and Car Rental Credit, CPS Retail Key Entry
Credit
1.95% $0.10
Utility Credit
1032, 1330, 1331, 1332
• Must meet requirements for one of the following programs: CPS Retail 2, CPS Card
Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-
Entry, CPS Retail
$0.75
Visa Consumer Credit Refund Rates International Issued – CREDIT ONLY
• No distinction from domestic
Credit Voucher Consumer Non-
Passenger Transport
1224, 1225, 1226, 1526
• Applies to all merchants except passenger transport (ie: railways, airlines) and
MO/TO, E-Commerce
• Applies to High Risk Direct Marketing MCCs 5962,5966, 5967
1.76%
Credit Voucher Consumer MO/TO
and E-Commerce
1274, 1275, 1276, 1576
• Excludes High Risk Direct Marketing MCCs 5962, 5966, 5967
2.05%
28

Commercial Programs
Interchange Program Interchange Summary Description
Corporate
Rate
Business
Rate
Purchasing
Rate
Commercial
Business to Business
1V57, 1V58, 1V59,
1W57, 1W58, 1W59,
1X57, 1X58, 1X59
• Visa Business, Corporate or Purchasing card used at Business to Business Merchant
• Tran must be CPS qualified
• Level II data requirements are not met (either missing or failed edits)
• Settle w/n two business days from tran date
See list of eligible MCCs below (NEC = Not elsewhere classified)
2.10% + $0.10 2.10% + $0.10 2.10% + $0.10
Eligible MCCs MCCs eligible: 0780 Landscaping & Horticultural Svcs, 5169 Chemicals & Allied
Prods NEC,1799 Spcl Trade Contractors NEC, 5192 Books, Periodicals &
Newspapers, 2741 Misc Publishing & Printing, 5193 Florist Supplies, Nursery Stock &
Flowers, 2791 Typesetting, Plate Making & Related Svs, 5198 Paints, Varnishes &
Supplies, 2842 Specialty Cleaning, Polishing & Sanitation Preps, 5199 Nondurable
Goods NEC, 4214 Motor Freight Carriers & Trucking, 6300 Ins Sales, Underwriting, &
Premiums, 5021 Office & Comm Furniture, 7311 Adv Svcs, 5039 Construction
Materials NEC, 7333 Comm Photography, Art, & Graphics, 5044 Photographic,
Photocopy, Microfilm Equip & Software, 7349 Cleaning, Maint, & Janitorial Svcs, 5046
Comm Equip NEC, 7361 Employment Agencies & Temp Help Svcs, 5047 Med, Dtl,
Ophthalmic & Hospital Equip & Supplies, 7372 Computer Programming, Data Proc, &
Int Sys Design Svcs,
Eligible MCCs cont'd 5051 Metal Svc Ctrs & Offices, 7375 Info Retrieval Svcs, 5065 Electrical Parts &
Equip, 7379 Computer Maint, Repair & Svcs NEC, 5074 Plumbing & Hting Equip &
Supplies, 7392 Mgmnt, Consulting, & PR Svcs, 5085 Indl Supplies NEC, 7399 Bus
Svcs NEC, 5099 Durable Goods NEC, 7829 Motion Picture & Video Tape Prod & Dist,
5131 Piece Goods, Notions, & Other Dry Goods, 8734 Testing Labs (Non-Medical
Testing), 5137 Mens, Womens & Childrens Uniforms & Comm Clothing, 8931 Acctng,
Auditing, & Bookkeeping Srvcs, 5139 Comm Footwear, 8999 Prof Svcs NEC
Commercial
Business Utility
1637, 1638, 1639
• Must meet requirements for one of the following programs: CPS Card Not Present,
CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-Entry, CPS
Retail
If the transaction fails CPS and existing Level 2 requirements are met the transaction
will qualify for Visa Business electronic.
If the transaction fails CPs and existing Level 2 requirements are NOT met the
transaction will qualify for Visa Business standard.
$1.50
GSA Government-to-
Government
1738
• Visa GSA Purchase Card (BIN 471600-471699 and 448600-448699)
• CPS requirements met
• MVV required
• MCCs 9399 and 9402 only
• US transactions only
1.65% + $0.10
Commercial Card Not
Present
1V50, 1V51, 1V52,
1W50, 1W51, 1W52,
1X50, 1X51, 1X52
• Visa Business, Corporate or Purchasing card used at non-Travel Services Merchant
• Transaction must be CPS qualified for one of the following programs: CPS Card Not
Present, CPS E-Commerce Basic or Preferred, CPS Retail/2, or CPS Account Funding
2.20% + $0.10 2.25% + $0.10 2.55% + $0.10
Commercial
Electronic
1640, 1641, 1642,
1647, 1648, 1649,
1740, 1741, 1742
• Meets CPS requirements but no level II data provided, or meets level II and /or III
requirements but not CPS requirements.
• Lodging/car rental transactions require additional lodging/car rental data
2.25% + $0.10 2.40% + $0.10 2.65% + $0.10
29

Commercial Programs
Corporate
Rate
Business
Rate
Purchasing
Rate
Commercial Non T&E
Level lII
1794, 1795, 1796
• Applies to Purchasing or Fleet Cards only
• Transaction must be CPS qualified (CPS Retail, Retail Key-Entry, Retail 2, Card Not
Present, E-Commerce Basic or Preferred – Debit or Credit)
• The following enhanced clearing data must be provided:
o Level III Data (data requirements include message identifier, summary detail, line
item detail)
• For Visa Purchasing at fuel merchants:
o Level III Data (data requirements include message identifier, summary detail, line
item detail)
• For Visa Fleet Purchasing at fuel merchants:
o Level II Data (data requirements include customer code)
o Level III Data (data requirements include additional fleet fuel data)
1.80% + $0.10
Commercial Non T&E
Level II
1624, 1625, 1626,
1694, 1695, 1696,
1724, 1725, 1726
• One electronic auth per clearing tran
• Tran must be CPS qualified
• Enhanced clearing data must be provided:
• For Visa Business, Corporate & Purchasing at non-fuel merchants:
o Level II Data (sales tax amount, sales tax indicator)
• For Visa Business & Corporate at fuel merchants:
o Level II Data (sales tax amount, sales tax indicator)
• For Visa Purchasing at fuel merchants:
o Level II Data (customer code)
• For Visa Fleet Purchasing at fuel merchants:
o Level II Data (data requirements include customer code & additional fleet fuel data)
• Sales tax indicator must equal “1” (tax amount provided) & sales tax amount must be
between 0.1% and 22% of the transaction amount. Tax-exempt transactions will not
qualify
• Settle within three business days from transaction date
2.05% + $0.10 2.05% + $0.10 2.05% + $0.10
Commercial Retail
1V54, 1V55, 1V56,
1W54, 1W55, 1W56,
1X54, 1X55, 1X56
• Visa Business, Corporate or Purchasing card used at non-Travel Services Merchant
• Transaction must be CPS qualified for one of the following programs: CPS Retail,
CPS Supermarket, CPS Retail Key Entry, CPS Small Ticket, CPS Automated Fuel,
CPS Service Station
• Fleet Cards at Fuel merchants: Must supply Level II data (customer code) and
additional fuel data if not CPS qualified.
2.10% + $0.10 2.20% + $0.10 2.30% + $0.10
Commercial Standard
1600, 1601, 1602,
1607, 1608, 1609,
1707, 1708, 1709
• Authorization
• Settle within 30 days of transaction date
2.95% + $0.10 2.95% + $0.10 2.95% + $0.10
Purchasing GSA
Large Ticket
1771
• Government Services Agency (GSA) Purchasing Cards. (BIN Ranges 471600 to
471699 and 448600 to 448699)
• Meet CPS qualifications
• Provide Level III data (line item detail)
• US Transactions Only
1.20% + $39
30

Commercial Programs
Corporate
Rate
Business
Rate
Purchasing
Rate
Purchase Card
Electronic with Data
1747, 1748, 1749
• Non GSA Purchasing card
• Meets Level III data requirements but not CPS requirements
2.65% + $0.10
Purchasing Large
Ticket
1731
• Non-GSA BIN Range
• Registration required
• Meet CPS qualifications
• Provide Level II data (sales tax & customer code) and Level III data (line item detail)
• Settlement within eight business days from transaction date
• Merchant Verification Value (MVV) must be present, valid and match the MVV
registered with Visa
0.95% + $35
Visa Commercial
Refund Rates
Non-Passenger
Transport
1664, 1665,1666,1764,
1765, 1766,
1Y64,1Y65, 1Y66
• Applies to cardholder returns on commercial cards 2.24%
31

Interregional Programs
Interchange Program
Interchange Summary Description
PRODUCT SPECIFIC PROGRAM ONLY
Rate
Business and Signature
Business Card Corporate
Card
1604, 1605
Product Specific Commercial - must be card listed only
U.S. Merchant & Non U.S. Issuer = Interregional
U.S. Territory Merchant & Issuer is other than LAC = Interregional
Card present
Authorization
Settlement within three business days from transaction date 1.80%
Purchasing Card
1704, 1705
Card present
Authorization
Infinite Card
1312
Card present
Authorization
Signature Card
1319
Card present
Authorization
Signature Preferred Card
1Y76
Card present
Authorization
Secure Electronic Commerce
1U66, 1066
NOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin
Islands
Card not present
POS Entry must be 01
MOTO ECI indicator must be 5
Must be secure e-commerce utilizing Verified by Visa
Must have valid CAVV response
Authorization
Settlement within three business days from transaction date
Meets normal authorization data requirements
Meets normal clearing data requirements
1.44%
32

Interchange Program
Rate
Secure Electronic Commerce -
Electron Card
1067
Islands
Card not present
Authorization
1.44%
Electronic Commerce
Merchant
1U76, 1076
Islands
Card not present
Authorization
1.44%
Electronic Commerce
Merchant - Electron Card
1077
Islands
Card not present
Authorization
1.44%
Electronic
1236
Islands
Card present
POS Entry Mode must be 05,07,90 or 91
POS Terminal Capability Code must not = 5
Authorization
1.10%
33

Interchange Program
Rate
Electronic
Electron Card
1536
Islands
Card present
Authorization
1.10%
Issuer Chip
1U36
Islands
Card present
POS Entry Mode must be 90 or 91
Must qualify for Electronic Program to be eligible
Issuer must be identified on the ARDEF to receive this rate
Authorization
1.20%
Isser Chip - Electron Card
1U37
Islands
Card present
Authorization
1.20%
Standard
1206, 1506
Islands
Card present
Authorization
1.60%
34

Interchange Program
Rate
Standard - Electron Card
1537
Islands
Card present
Authorization
1.60%
35

Regional Programs
Business Card
1V02
Product Specific Commercial – must be listed card only
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant
location)= Regional
Card present
Authorization
Meets normal clearing data requirements 1.80%
Corporate Card
1X02
location)= Regional
Card present
Authorization
Purchasing Card
1W02
location)= Regional
Card present
Authorization
Infinite Card
1312
Product Specific Consumer – must be listed card only
location)= Regional
Card present
Authorization
Signature Card
1T02
location)= Regional
VI Merchant & VI Issuer = VI Domestic
Card present
Authorization
Secure Electronic
Commerce
1U02
U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)
=Regional
NOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall
Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands,
U.S. Virgin Islands
Card not present
POS Entry Mode must be 01
Authorization
1.44%
36

Regional Programs
Secure Electronic
Commerce - Electron Card
1067
U.S. Virgin Islands
Card not present
Authorization
1.44%
Electronic Commerce
Merchant
1U06
=Regional
U.S. Virgin Islands
Card not present
Authorization
1.44%
Electronic Commerce
1077
=Regional
U.S. Virgin Islands
Card not present
Authorization
1.44%
Electronic
1236
=Regional
U.S. Virgin Islands
Card present
Authorization
1.10%
37

Regional Programs
Electronic
Electron Card
1536
=Regional
U.S. Virgin Islands
Card present
Authorization
1.10%
Issuer Chip
1U32
=Regional
U.S. Virgin Islands
Card present
Authorization
1.20%
Isser Chip - Electron Card
1U37
=Regional
U.S. Virgin Islands
Card present
Authorization
1.20%
Standard
1206, 1506
=Regional
U.S. Virgin Islands
Card present
Authorization
38

Regional Programs
Standard - Electron Card
1537
=Regional
U.S. Virgin Islands
Card present
Authorization
39

Puerto Rico Domestic Programs
PR Merchant & PR Issuer = PR Domestic
Card present
Authorization
Card Type: Classic, Electronic, Gold
Usage: Debit
Charge Type: 1026
1.05%
Card Type: Classic, Gold
Usage: Credit
Charge Type: 1U09 1.10%
Card Type: Platinum, Commercial
Usage: Debit or Credit
Charge Type: 1X06 1.25%
Card Type: Signature, Infinite
Charge Type: 1T06 1.28%
Card present
Authorization
Usage: Debit
Charge Type: 1036
1.05%
Usage: Credit
Charge Type: 1U12
1.10%
Charge Type: 1X09
1.25%
Charge Type: 1T09
1.28%
Puerto Rico Domestic
Electronic
Market Segment: Emerging
and Small Ticket
MCCs: 4011, 4111, 4112, 4121,
4131, 4784, 4789, 5814, 5912,
5976, 5994, 7211, 7216, 7338,
7523, 7542, 7832, 7911, 8011,
8021, 8031, 8041, 8042, 8043,
8049, 8050, 8062, 8071, 8099,
8211, 8220, 8241, 8244, 8249
8299, 9211, 9222, 9223, 9311,
9399
Electronic
Market Segment: Emerging
and Small Ticket Utility
MCC: 4900
40

Card present
Authorization
Usage: Debit
Charge Type: 1039
1.30%
Usage: Credit
Charge Type: 1U16
1.35%
Charge Type: 1X12
1.85%
Charge Type: 1T12
2.00%
Electronic
Market Segment: Retail
Group 2
All other MCCs
Card present
Authorization
Usage: Debit
Charge Type: 1042
1.25%
Usage: Credit
Charge Type: 1U19
1.30%
Charge Type: 1X16
1.80%
Card Type: Signature , Infinite
Charge Type: 1T16
1.90%
Electronic
Market Segment: Retail
Group 1
MCC's 3351-3500, 3501 - 3999,
4411, 4722, 4723, 5200, 5211,
5231, 5251, 5261, 5309, 5712,
5713, 5714, 5719, 5722, 5732,
5932, 5937, 5944, 5950, 5962,
5964, 5965, 5966, 5967, 5968,
5969, 5971, 7011, 7012, 7512,
7995
41

Standard
All Market Segment
Card present
Authorization
Usage: Debit
Charge Type: 1052 1.65%
Usage: Credit
Charge Type: 1U22 1.65%
Charge Type: 1X19 1.85%
Card Type: Signature , Infinite
Charge Type: 1T19 2.00%
42

Virgin Island Domestic Programs
Business Card
1V03
Card present
Authorization
Corporate Card
1X03
Card present
Authorization
Purchasing Card
1W03
Card present
Authorization
Infinite Card
1313
Card present
Authorization
Signature Card
1T03
Card present
Authorization
Secure Electronic
Commerce
1U03
Card not present
Authorization
Settlement within three business days from tranaction 1.44%
Secure Electronic
Commerce - Electron Card
1063
Card not present
Authorization
Settlement within three business days from transaction 1.44%
43

Electronic Commerce
Merchant VI
1U29
Card not present
Authorization
Settlement within three business days from tranansaction 1.44%
Electronic Commerce
1079
Card not present
Authorization
Electronic
1U56
Card not present
Authorization
Electronic - Visa Electron
15A2
Card not present
Authorization
Issuer Chip VI
1U33
Card present
Authorization
Isser Chip - Visa Electron VI
1U49
VI Merchant and VI Issuer = VI Domesestic
Card present
Authorization
1.20%
Standard VI
1U26 (Credit)
15A6 (Debit)
Card not present
Authorization
44

Standard - Visa Electron
15A9
Card not present
Authorization
45

MasterCard Worldwide Qualification Criteria
Consumer Debit
Per Item
Rate Max.
Full UCAF Debit
1525
• Internet tran
• Electronic auth
• US issued consumer card
• Terminal Type contains value CT6 indicating e-comm Tran (CAT Level 6)
• The authorization log must contain:
o POS Entry Mode/POS Terminal PAN Entry Mode value 81
o E-commerce Security Level Indicator/Security Protocol with value 0–9
o E-commerce Security Level Indicator/Cardholder Authentication with value 0–9
• UCAF Data must be present when Electronic Commerce Security Level Indicator
contains a 2
• POS Data/POS Cardholder Presence Indicator with value 5, indicating electronic order
• POS Data/Cardholder-Activated Terminal Level Indicator with value 6, indicating
electronic commerce (CAT6)
• Settle w/in two business days from tran date
• MCC in clearing trans must be identical to MCC in authorization log record
• Enhanced information required for settlement: Unique Banknet reference number &
Banknet date (date authorization is captured)
• Interchange compliance test (match between authorization and clearing file)
1.15% $0.15
MC Petroleum CAT/AFD Debit
1595, 1598
• Card and cardholder present
• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic
authorization request
• Enhanced information required for settlement: Unique Banknet reference number and
• CAT (Cardholder Activated Terminal) indicator of 2 (Self-Service Terminal) is required
• Valid MCCs: 5542 Automated Fuel Dispensers
0.70% $0.17 $0.95
MC Emerging Market Debit
1561
• Interchange Compliance test (match between authorization and clearing file)
• Valid MCCs: 4111 Local Commuter Transportation, 4784 Bridge and Tolls, 4899
Cable/Satellite & Other Pay TV & Radio, 4900 Utilities, 9211 Courts, 9222 Fines, 9223
Bail Bonds, 9311 Taxes, 9399 Government Services Not Elsewhere Defined, 8211
Elementary/ Secondary Schools, 8220 Colleges/Universities, 5960 Direct Marketing-
Insurance Services, 6300 Insurance Underwriting/Premiums, 8299 Schools & Educational
Services not elsewhere classified, 9402 Postal Services – Government Only
0.80% $0.25
MC Key Entered Debit
1521
• Card and cardholder present, key entered
• Amount tolerance between electronic authorization and settlement is 10%; Restaurant,
Bars and Fast Food MCCs 5812, 5813, 5814 are exempt
• Industries not eligible: Mail/Telephone Order, Car Rental, Hotels, Transportation, Fuel,
Travel Agents, Professional Services, Personal Services
1.64% $0.16
MC Restaurant Debit
1548
1.19% $0.10
46

Consumer Debit
Per Item
Rate Max.
MC Petroleum Service
Stations Debit
1508, 1558
• Valid MCCs: 5541 Service Stations
0.70% $0.17 $0.95
MC Small Ticket Debit
1528
• Transaction amount can not be greater than US $15
• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/ Limousines, 4131 Bus
Lines, 4784 Toll and Bridge fees, 5499 Miscellaneous Food Stores-Convenience Stores
and Specialty Markets, 5812 Eating Places/Restaurants, 5814 Fast Food, 5994 News
Dealers and Newsstands, 7211 Laundries (Family and Commercial), 7216 Dry Cleaners,
7338 Quick Copy, Reproduction and Blueprint Services, 7523 Parking Lots/Garages, 7542
Car Washes, 7832 Motion Picture Theaters, 7841 Video Tape Rental Stores
1.55% $0.04
Small Ticket Tier 1 Debit • Card and cardholder present
• Transaction amount can not be greater than US $15
• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/ Limousines, 4131 Bus
Lines, 4784 Toll and Bridge fees, 5499 Miscellaneous Food Stores-Convenience Stores
and Specialty Markets, 5812 Eating Places/Restaurants, 5814 Fast Food, 5994 News
Dealers and Newsstands, 7211 Laundries (Family and Commercial), 7216 Dry Cleaners,
7338 Quick Copy, Reproduction and Blueprint Services, 7523 Parking Lots/Garages, 7542
Car Washes, 7832 Motion Picture Theaters, 7841 Video Tape Rental Stores
Tier 1 Debit Annual minimum: 100 million
1.30% $0.02
MC Supermarket Debit
1551, 1568
• Qualified and registered supermarket merchant
• Entire magnetic stripe or unaltered chip data contents included in electronic authorization
request
• Merchant registration S code passed in settlement
• Interchange compliance test (match between authorization and
clearing file)
• Valid MCC: 5411 Grocery Stores/Supermarkets
1.05% $0.15 $0.35
MC Supermarket Debit Tier 1 • Performance-based minimum requirements (for each interchange category):
o Tier 1 debit annual minimums: 8.75 million transactions, $500 million USD volume,
0.018% chargeback max, 0.022% max fraud rate
• Meet all MC Supermarket Debit requirements
0.70% $0.15 $0.35
o Tier 2 debit annual minimums: 4.5 million transactions, $250 million USD volume,
0.018% chargeback max, 0.022% max fraud rate
0.83% $0.15 $0.35
47

Consumer Debit
Per Item
Rate Max.
o Tier 3 debit annual minimums: 1.5 million transactions, $75 million USD volume, 0.018%
chargeback max, 0.022% max fraud rate
0.95% $0.15 $0.35
Merchant UCAF Debit
1515
• Internet Transaction
• U.S. issued card
• Terminal Type must contain the value CT6 indicating e-commerce transaction (CAT
Level 6)
• The authorization log must contain the following:
o POS Entry Mode/POS Terminal PAN Entry Mode with the value 81
o E-commerce Security Level Indicator/Security Protocol with the valid value 0–9
o E-commerce Security Level Indicator/Cardholder Authentication with the valid value 0–9
contains a 1
• POS Data/POS Cardholder Presence Indicator with the value 5, indicating electronic
order
• POS Data/Cardholder-Activated Terminal Level Indicator with the value 6, indicating e-
commerce (CAT6)
• The merchant category code (MCC) in the clearing transaction must be identical to the
MCC in the authorization log record
1.05% $0.15
Merit 1 Debit
1511
• Amount Tolerance is 25% for Beauty/Barber Shop MCC 7230, Restaurant, Bars and
Fast Food MCCs 5812, 5813, 5814 are exempt, 10% for all others
1.64% $0.16
Merit 1 Debit - Real Estate
1068
• Valid MCC 6513
1.10%
Merit 3 Debit
1531
• Amount Tolerance between authorization and settlement is 25% for Beauty/Barber Shop
MCC 7230, Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt, 10% for
all others
• MCCs not eligible: 5542 Automated Fuel Dispensers, 5541 Service Stations
1.05% $0.15
Merit 3 Debit Tier 1 • Performance-based minimum requirements (for each interchange category):
o Tier 1 debit annual minimums: 7.5 million transactions, 0.018% chargeback max,
0.022% max fraud rate
• Meet All Merit 3 Debit Requirements
0.70% $0.15
48

Consumer Debit
Per Item
Rate Max.
Merit 3 Debit Tier 2 • Performance-based minimum requirements (for each interchange category):
o Tier 2 debit annual minimums: 2.5 million transactions, 0.018% chargeback max,
0.022% max fraud rate
0.83% $0.15
Merit 3 Debit Tier 3
1577
• Performance-based minimum requirements (for each interchange category):
o Tier 3 debit annual minimums: 1.5 million transactions, $75 million USD volume, 0.018%
chargeback max, 0.022% max fraud rate
0.95% $0.15
Service Industries (SIIP) Debit
1541
• Qualified and registered service industries merchant
• Merchant Registration “R” code passed in settlement
• Non-face-to-face recurring payments
• Electronic authorization, the magnetic stripe must not be present
• Recurring indicators must be passed in authorization and settlement
• Valid MCCs: 4812 Telecommunication Equipment & Telephone Sales, 4814
Telecommunications Services, 4899 Cable/Satellite & Other Pay TV & Radio, 4900
Utilities, 5960 Direct Marketing-Insurance Services, 6300 Insurance
Underwriting/Premiums
1.15% $0.05
Standard Debit
1501
• Transactions will fall to Standard if they fail Banknet date and reference number
requirements, or fail interchange compliance tests.
1.90% $0.25
Travel Industries Premier
Service (TIPS)
1538
• Qualified and registered travel merchant
• Merchant Registration “P” code passed in settlement
• Lodging/car rental data
• Valid MCCs: 3357, 3366, 3388, 3389, 3390, 3393, 3395, 3405, 3441
Automobile/Vehicle Rental, 3501, 3502, 3503, 3504, 3508, 3509, 3510, 3512, 3513,
3516, 3521, 3526, 3530, 3532, 3543, 3551, 3554, 3555, 3556, 3562, 3564, 3566, 3582,
3584, 3590, 3592, 3597, 3620, 3624, 3628, 3631, 3632, 3634, 3637, 3638, 3640, 3641,
3642, 3644, 3649, 3650, 3662, 3665, 3667, 3669, 3676, 3679, 3681, 3682, 3686, 3687,
3690, 3692, 3695, 3701, 3703, 3708, 3709, 3710, 3712, 3715, 3722, 3728, 3730, 3731,
3733, 3734, 3736, 3738, 3740, 3741, 3742, 3745, 3750, 3751, 3756, 3757, 3760, 3761,
3762, 3764, 3765, 3768, 3769, 3770, 3771, 3772, 3773, 3774, 3776, 3777, 3778, 3779,
3781, 3785, 3786, 3787, 3788, 3789, 3791,
3792, 3793, 3794, 3795, 3799 Hotel/Motel, 4411 Cruise Line
1.36% $0.15
Utilities Debit
1588
• Qualified Utility merchant
• Valid MCC: 4900 only
$0.45
MasterCard Consumer Debit Refund Programs
Consumer Debit Refund
Group 1
1505
All except Airline, Passenger Railway (Non-face-to-face) 1.72%
Consumer Debit Refund
Group 3
1535
All except Mail Order, Airline and Passenger Railway (Face-to-face) 1.40%
49

Consumer Credit
Core
Value
Rate
Core
Per
Item
Enhanced
Value Rate
Enhanced
Per Item
Convenience Purchase
1294, 1295
Enhanced
1P94, 1P95
• Entire magnetic stripe contents or unaltered proximity chip data included in the
electronic authorization request
• Amount Tolerance between authorization and settlement is: 10% for MCCs 5499 Misc
Food Stores-Convenience Stores and Specialty Markets and 7832 Motion Picture
Theaters. Transactions submitted with MCCs 5541 Service Stations, 5814 Fast Food or
5542 Automated Fuel Dispensers are exempt from the amount tolerance test.
• Valid MCCs: 5814 Fast Food Restaurants, 7832 Motion Picture Theaters, 5499 Misc
Food Stores-Convenience Stores and Specialty Markets, 4121 Taxis and Limos (for
transaction amounts $25 or less)
1.90% 1.90%
Merchant UCAF Credit
1214, 1215
Enhanced
1P14, 1P15
• Internet tran
• Electronic auth
• US issued consumer card
• Terminal Type contains value CT6 indicating e-comm Tran (CAT Level 6)
• The authorization log must contain:
o E-commerce Security Level Indicator/Security Protocol with value 0–9
o E-commerce Security Level Indicator/Cardholder Authentication with value 0–9
contains a 2
• POS Data/POS Cardholder Presence Indicator with value 5, indicating electronic
order
• POS Data/Cardholder-Activated Terminal Level Indicator with value 6, indicating
• MCC in clearing trans must be identical to MCC in authorization log record
1.58% $0.10 1.73% $0.10
MC Key Entered Credit
1220, 1221
Enhanced
IP20, 1P21
• Amount tolerance between electronic authorization and settlement is 10%;
Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt
• Industries not eligible: Mail/Telephone Order, Car Rental, Hotels, Transportation, Fuel,
Travel Agents, Professional Services, Personal Services
1.89% $0.10 2.04% $0.10
MC Supermarket Credit
Base
1250, 1251
Enhanced
1P50, 1P51
• Entire magnetic stripe or unaltered chip data contents included in electronic
clearing file)
1.48% $0.05 1.48% $0.05
Tier 1
o Tier 1 credit annual minimum: $2 billion USD volume
1.27% 1.27%
50

Consumer Credit
Core
Value
Rate
Core
Per
Item
Enhanced
Value Rate
Enhanced
Per Item
Tier 2
o Tier 2 credit annual minimum: $1.25 billion USD volume
1.32% 1.32%
Tier 3
o Tier 3 credit annual minimum: $300 million USD volume
1.42% $0.05 1.42% $0.05
MC Travel Industries
Premier Service (TIPS)
Credit
1237, 1238
Enhanced
1P37, 1P38
• Qualified and registered travel merchant
• Merchant Registration “P” code passed in settlement
• Lodging/car rental data
• Valid MCCs: 3357, 3366, 3388, 3389, 3390, 3393, 3395, 3405, 3441
Automobile/Vehicle Rental, 3501, 3502, 3503, 3504, 3508, 3509, 3510, 3512, 3513,
3516, 3521, 3526, 3530, 3532, 3543, 3551, 3554, 3555, 3556, 3562, 3564, 3566,
3582, 3584, 3590, 3592, 3597, 3620, 3624, 3628, 3631, 3632, 3634, 3637, 3638,
3640, 3641, 3642, 3644, 3649, 3650, 3662, 3665, 3667, 3669, 3676, 3679, 3681,
3682, 3686, 3687, 3690, 3692, 3695, 3701, 3703, 3708, 3709, 3710, 3712, 3715,
3722, 3728, 3730, 3731, 3733, 3734, 3736, 3738, 3740, 3741, 3742, 3745, 3750,
3751, 3756, 3757, 3760, 3761, 3762, 3764, 3765, 3768, 3769, 3770, 3771, 3772,
3773, 3774, 3776, 3777, 3778, 3779, 3781, 3785, 3786, 3787, 3788, 3789,
3791, 3792, 3793, 3794, 3795, 3799 Hotel/Motel, 4411 Cruise Line
1.58% $0.10 1.90% $0.10
Full UCAF Credit
1224, 1225
Enhanced
1P24, 1P25
• Internet Transaction
• U.S. issued consumer card
• Terminal Type must contain the value CT6 indicating e-commerce transaction (CAT
Level 6)
• The authorization log must contain the following:
o POS Entry Mode/POS Terminal PAN Entry Mode with the value 81
o E-commerce Security Level Indicator/Security Protocol with the valid value 0–9
o E-commerce Security Level Indicator/Cardholder Authentication with the valid value
0–9
contains a 1
order
• POS Data/Cardholder-Activated Terminal Level Indicator with the value 6, indicating e-
commerce (CAT6)
• The merchant category code (MCC) in the clearing transaction must be identical to
the MCC in the authorization log record
1.68% $0.10 1.83% $0.10
Merit 1 Credit
1210, 1211
Enhanced
1P10, 1P11
1.89% $0.10 2.04% $0.10
51

Consumer Credit
Core
Value
Rate
Core
Per
Item
Enhanced
Value Rate
Enhanced
Per Item
Merit 1 Credit - Insurance
1J27, 1J28
Enhanced
1P27, 1P28
• Valid MCCs 5960, 6300
1.43% $0.05 1.43% $0.05
Merit 1 Credit - Real
Estate
1267, 1268
Enhanced
1P67, 1P68
• Valid MCC 6513
1.10% 1.10%
Merit 3 Credit Base
1230, 1231
Enhanced
1P30, 1P31
Mail Order, Travel Agencies (excluding World and World Elite MasterCard cards),
Utilities
1.58% $0.10 1.73% $0.10
Merit 3 Credit Tier 1 • Performance-based minimum requirements (for each interchange category):
oTier 1 credit annual minimum: $2 billion USD volume
• Meet All Merit 3 Credit Requirements
1.43% $0.10 1.43% $0.10
Merit 3 Credit Tier 2 • Performance-based minimum requirements (for each interchange category):
1.48% $0.10 1.48% $0.10
Merit 3 Credit Tier 3
1277, 1278
Enhanced
1P77, 1P78
1.55% $0.10 1.55% $0.10
Petroleum Credit
1264, 1265, 1297, 1298,
Enhanced
1P64, 1P65, 1P97, 1P98
• For MCC 5542 Automated Fuel Dispensers, a CAT (Cardholder Activated Terminal)
indicator of 2 (Self-Service Terminal) is required
• Valid MCCs: 5542 Automated Fuel Dispensers, 5541 Service Stations
1.90%
Max
$0.95
1.90%
Max $0.95
Public Sector Credit
1260, 1261
Enhanced
1P60, 1P61
• Interchange Compliance test (match between authorization and
clearing file)
Courts, 9222 Fines, 9223 Bail Bonds, 9311 Taxes, 9399 Government Services Not
Elsewhere Defined, 9402 Postal Services – Government Only
1.55% $0.10 1.55% $0.10
52

Consumer Credit
Core
Value
Rate
Core
Per
Item
Enhanced
Value Rate
Enhanced
Per Item
Service Industries (SIIP)
Credit
1240, 1241
Enhanced
1P40, 1P41
• Valid MCCs: 4814 Telecommunications Services, 4899 Cable/Satellite & Other Pay
TV & Radio
1.15% $0.05 1.15% $0.05
Standard Credit
1200, 1201
Enhanced
1P00, 1P01
2.95% $0.10 2.95% $0.10
Utilities Credit
1287, 1288
Enhanced
1P87, 1P88
0% $0.65 0% $0.65
MasterCard Consumer Credit Refund Programs
Consumer Credit Refund
Group 2
1204, 1205
Utilities
2.09% 2.09%
Group 3
1234, 1235
Airlines (excluding World and World Elite MasterCard cards), Drug Stores, Education,
Professional Services, Recreation, Repair Shops, Restaurant/Bars (excluding World
MasterCard cards with MCC 5812), Other Services
1.95% 1.95%
Group 4
1244, 1245
Auto Rental (excluding World and World Elite MasterCard cards), Clothing Stores,
Discount Stores, Gas Stations, Hardware, Health Care, Other Retail, Other Transport
(excluding World MasterCard cards with MCC 4112 and 4411), Sporting/Toy Stores
1.82% 1.82%
Group 5
1254, 1255
Department Stores, Electronic/Appliance Stores, Food Stores/Warehouse, Hotel/Motel
(excluding World and World Elite MasterCard cards), Interior Furnishings, Vehicle,
Quasi Cash
1.73% 1.73%
53

Consumer World Programs
World
Rate
World
Per
Item
World
Elite &
High
Value
Rate
World
Elite &
High Value
Per Item
World Card
Convenience Purchase
1395, 1L95, 1I95
• Amount Tolerance between authorization and settlement is: 10% for MCCs 5499
Misc Food Stores-Convenience Stores and Specialty Markets and 7832 Motion Picture
Theaters. Transactions submitted with MCCs 5541 Service Stations, 5814 Fast Food
or 5542 Automated Fuel Dispensers are exempt from the amount tolerance test.
• Enhanced information required for settlement: Unique Banknet reference number
and Banknet date (date authorization is captured)
• Valid MCCs: 5814 Fast Food Restaurants, 7832 Motion Picture Theaters, 5499 Misc
Food Stores-Convenience Stores and Specialty Markets, 4121 Taxis and Limos (for
transaction amounts $25 or less)
2.00% n/a 2.00% n/a
World Card Full UCAF
1325, 1L25, 1I25
• Internet tran
• Electronic auth
• US issued card
• Terminal Type contains value CT6 indicating e-comm tran (CAT Level 6)
• Auth log must contain:
o E-commerce Security Level Indicator/Security Protocol value 0–9
o E-commerce Security Level Indicator/Cardholder Authentication value 0–9
contains a 2
order
• POS Data/Cardholder-Activated Terminal Level Indicator value 6, indicating
• Settle within two business days from tran date
• MCC in clearing tran must be identical to MCC in auth log record
• Corporate Card Common Data in clearing record includes: merchant location postal
code, merchant state/province code, country code
and Banknet date
• Interchange compliance test
1.83% $0.10 2.30% $0.10
World Card MC Key
Entered
1321, 1L21, 1I21
• Amount tolerance between electronic authorization and settlement is 10%;
Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt
• Industries not eligible: Mail/Telephone Order, Car Rental, Hotels, Transportation,
Fuel, Travel Agents, Professional Services, Personal Services
2.05% $0.10 2.50% $0.10
54

World
Rate
World
Per
Item
World
Elite &
High
Value
Rate
World
Elite &
High Value
Per Item
World Card Merchant
UCAF
1315, 1L15, 1I15
• Internet Tran
• Electronic auth
• US issued card
• Terminal Type contains CT6 indicating e-commerce tran (CAT Level 6)
• Auth log contains:
o POS Entry Mode/POS Terminal PAN Entry Mode 81
o E-commerce Security Level Indicator/Security Protocol 0–9
o E-commerce Security Level Indicator/Cardholder Authentication 0–9
contains a 1
• POS Data/POS Cardholder Presence Indicator 5, indicating electronic order
• POS Data/Cardholder-Activated Terminal Level Indicator 6, indicating e-commerce
(CAT6)
• Settle within two business days from tran date
• MCC in clearing tran must be identical to MCC in auth log record
• Corporate Card Common Data in clearing record must include merchant location
postal code, merchant state/province code, country code
• Enhanced info required for settlement: Unique Banknet reference number & Banknet
date
1.73% $0.10 2.20% $0.10
World Card Merit 1
1310, 1311, 1L11, 1I11
2.05% $0.10 2.50% $0.10
World Card Merit 1 -
Insurance
1328, 1L28, 1I28
• Valid MCCs 5960, 6300
1.43% $0.05 2.20% $0.10
World Card Merit 1 -
Real Estate
1368, 1L68, 1I68
• Valid MCC 6513
1.10% 2.20% $0.10
World Card Merit 3
1331, 1L31, 1I31
• Amount Tolerance between authorization and settlement is 25% for Beauty/Barber
Shop MCC 7230, Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are
exempt, 10% for all others
• MCCs not eligible: 5542 Automated Fuel Dispensers, 5541 Service Stations
1.73% $0.10 2.20% $0.10
55

World
Rate
World
Per
Item
World
Elite &
High
Value
Rate
World
Elite &
High Value
Per Item
Merit 3 World Tier 1 • Performance-based minimum requirements (for each interchange category):
• Meet All Merit 3 World Credit Requirements
1.53% $0.10 2.05% $0.10
Merit 3 World Tier 2 • Performance-based minimum requirements (for each interchange category):
1.58% $0.10 2.10% $0.10
Merit 3 World Tier 3
1378, 1L78, 1I78
1.65% $0.10 2.15% $0.10
World Card Petroleum
1365, 1398, 1L65, 1L98,
1I65, 1I98
• For MCC 5542 Automated Fuel Dispensers, a CAT (Cardholder Activated Terminal)
indicator of 2 (Self-Service Terminal) is required
• Valid MCCs: 5542 Automated Fuel Dispensers, 5541 Service Stations
2.00%
Max $0.95
2.00%
Max
$0.95
World Card Public
Sector
1371, 1L71, 1I71
• Interchange Compliance test (match between authorization and
clearing file)
Courts, 9222 Fines, 9223 Bail Bonds, 9311 Taxes, 9399 Government Services Not
Elsewhere Defined, 9402 Postal Services – Government Only
1.55% $0.10 1.55% $0.10
World Card Restaurant
1348, 1L48, 1I48
• Valid MCC: 5812 Eating Places/Restaurants
• Transactions must be $60.00 or less
• World card transactions at MCC 5812 that are greater than $60 or that fail World
Restaurant requirements will follow World T&E program
1.73% $0.10 2.20% $0.10
56

World
Rate
World
Per
Item
World
Elite &
High
Value
Rate
World
Elite &
High Value
Per Item
World Card SIIP
1341, 1L41, 1I41
• Valid MCCs: 4814 Telecommunications Services, 4899 Cable/Satellite & Other Pay
TV & Radio
1.15% $0.05 1.15% $0.05
World Card Standard
1308, 1L08, 1I08
2.95% $0.10 3.25% $0.10
MC World Supermarket
Credit
1351, 1L51, 1I51
• Entire magnetic stripe or unaltered chip data contents included in electronic
clearing file)
1.58% $0.05 1.90% $0.05
Credit Tier 1
1.37% 1.37%
Credit Tier 2
1.42% 1.42%
Credit Tier 3
1.52% $0.05 1.52% $0.05
World Card T&E
1300, 1301,1L01, 1I01
• World and World Elite MasterCard only
• Clearing record must include industry specific data (including both Property Phone
and Customer Service Phone numbers, as well as Folio data for Hotels and Rental
Agreement data for Vehicle Rentals)
• Travel and Entertainment MCCs eligible for World T&E: 3000-3299 or 4511 Airline,
3351-3500, 7512, 7513, 7519 Automobile/Vehicle Rental, 3501-3999 or 7011
Hotel/Motel, 4112 Passenger Railway, 4411 Cruise Line/Steamship, 4722 Travel
Agent, 5812 Eating Places/Restaurants
• Transactions at MCC 5812 must be greater than $60 or must have failed World
Restaurant requirements.
2.30% $0.10 2.75% $0.10
57

World
Rate
World
Per
Item
World
Elite &
High
Value
Rate
World
Elite &
High Value
Per Item
World Elite T&E Large
Ticket
1L75, 1I75
• World Elite MasterCard only
• Transaction amount $2,500 or greater
• Clearing record must include industry specific data (including both Property Phone
and Customer Service Phone numbers, as well as Folio data for Hotels and Rental
Agreement data for Vehicle Rentals)
• Travel and Entertainment MCCs eligible for World T&E: 3000-3299 or 4511 Airline,
3351-3500, 7512, 7513, 7519 Automobile/Vehicle Rental, 3501-3999 or 7011
Hotel/Motel, 4112 Passenger Railway, 4411 Cruise Line/Steamship, 4722 Travel
Agent
2.00%
World Card Utilities
1388, 1L88, 1I88
0% $0.65 0% $0.75
MasterCard World
Refund Programs
Consumer Credit
Refund Group 1
1305
World MasterCard card transactions for Airline, Auto Rental, Cruise Line, Hotel/Motel,
Passenger Railway, Restaurant, Travel Agencies
2.42% 2.42%
Consumer Credit
Refund Group 2
1204, 1205
Utilities
2.09% 2.09%
Consumer Credit
Refund Group 3
1234, 1235
Airlines (excluding World and World Elite MasterCard cards), Drug Stores, Education,
Professional Services, Recreation, Repair Shops, Restaurant/Bars (excluding World
MasterCard cards with MCC 5812), Other Services
1.95% 1.95%
Consumer Credit
Refund Group 4
1244, 1245
Auto Rental (excluding World and World Elite MasterCard cards), Clothing Stores,
Discount Stores, Gas Stations, Hardware, Health Care, Other Retail, Other Transport
(excluding World MasterCard cards with MCC 4112 and 4411), Sporting/Toy Stores
1.82% 1.82%
Consumer Credit
Refund Group 5
1254, 1255
Department Stores, Electronic/Appliance Stores, Food Stores/Warehouse, Hotel/Motel
(excluding World and World Elite MasterCard cards), Interior Furnishings, Vehicle,
Quasi Cash
1.73% 1.73%
58

Commercial Programs
Interchange
Program Interchange Summary Description
Corporate
Rate
Business
Rate
Purch
Rate
Fleet
Rate
Commercial Data I
1610, 1611, 1710,
1711
• Clearing record must include the merchant name, address, location postal code, merchant
state/province code, country code, valid merchant tax identification, merchant type code
• Fleet Card transactions at fuel retail locations must contain additional industry-specific
data in the clearing record
• Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants (Fast Food is
eligible), Vehicle Rentals
2.65% +
$0.10
2.65% +
$0.10
2.65% +
$0.10
2.65% +
$0.10
Commercial Data II
1620, 1621, 1720,
1721, 1K20, 1K21,
1M20, 1M21
• Commercial Card Common Data requirements in clearing record must include merchant
location postal code and merchant state/province code, country code, merchant tax
identification, merchant type code, valid tax amount of 0.1% to 30%, customer code and
sales tax indicator
• Industries not eligible: MCC 3000–3299 or 4511 (Airline), MCC 3351–3500, 7512, 7513, or
7519 (Automobile/Vehicle Rental) MCC 3501–3999 or 7011 (Hotel/Motel), MCC 4112
(Passenger Railway),MCC 5542 (Fuel Dispenser, Automated), MCC 5812 (Eating Places,
Restaurants) MCC 5960, 5962, 5964–5969 (MailOrder/Telephone Order)
2.15% +
$0.10
2.20% +
$0.10
2.40% +
$0.10
2.50% +
$0.10
Commercial Data II
Petroleum
1617, 1618, 1717,
1718, 1K17, 1K18,
1M17, 1M18
• Electronic auth
• Settle w/in three business days from tran date
• Enhanced info required for settlement: Unique Banknet reference number & Banknet date
• Commercial Card common data requirements in clearing record include: merchant location
postal code & merchant state/province code, country code, merchant tax id, merchant type
code & customer code
• Fleet Card trans at fuel retail locations must contain additional industry-specific data in
clearing record
• MCCs must be: 4468 Marinas, Marine Services/Supplies, 5541 Service Stations [with or
without Ancillary Services], 5542 Fuel Dispenser, Automated, 5499 Miscellaneous Food
Stores-Convenience Stores and Specialty Markets—not elsewhere classified 5983 Fuel
Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood, 7511 Truck Stop Transactions, 9752
U.K. Petrol Stations, Electronic Hot File
2.05%
+ $0.10
2.05%
+ $0.10
2.05%
+ $0.10
2.05% +
$0.10
59

Commercial Programs
Interchange
Corporate
Rate
Business
Rate
Purch
Rate
Fleet
Rate
Commercial Data III
1660, 1661, 1760,
1761
• Electronic auth
• Applies to Purchasing Cards or Fleet Cards at non-fuel retail locations only
• Fleet Card tran at fuel retail locations must contain industry-specific data in clearing record
• Commercial Card Line Item Detail in clearing record must include: product code, item
description, item quantity & exponent, unit of measure, extended item amount, debit/credit
indicator. If tran contains a Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier
addenda containing all required fields may be submitted in place of the Corporate Line Item
Detail addenda. Trans with a Temporary Services MCC of 7361 must submit a Temporary
Services addendum including all required fields.
• Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways,
Restaurants, Vehicle Rentals
1.80% +
$0.10
1.80% +
$0.10
1.80% +
$0.10
1.80% +
$0.10
Commercial Utilities
1654, 1655
• Product Types: World MasterCard for Business, MasterCard Business Card, World Elite
MasterCard for Business
$1.50
Commercial Face to
Face
1630, 1631, 1730,
1731, 1K30, 1K31,
1M30, 1M31
• Commercial Card Common Data in clearing record must include merchant location postal
code and merchant state/province code, country code, merchant tax identification, merchant
type code, valid tax amount of 0.1% to 30%, customer code and sales tax indicator
• Fleet Cards at fuel locations are excluded from this rate
• Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways,
Restaurants, Vehicle Rentals
2.15% +
$0.10
2.20% +
$0.10
2.40% +
$0.10
2.50% +
$0.10
60

Commercial Programs
Interchange
Corporate
Rate
Business
Rate
Purch
Rate
Fleet
Rate
Commercial Face to
Face Petroleum
1627, 1628, 1727,
1728, 1K27, 1K28
• Commercial Card Common Data in clearing record must include merchant location postal
code and merchant state/province code, country code, merchant tax identification, merchant
type code & customer code
• Must process under one of the following MCCs: 4468 Marinas, Marine Services/Supplies,
5541Service Stations [with or without Ancillary Services], 5542 Fuel Dispenser, Automated,
5499 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere
classified
5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood, 7511 Truck Stop
Transactions, 9752 U.K. Petrol Stations, Electronic Hot File
2.05% +
$0.10
2.05% +
$0.10
2.05% +
$0.10
Commercial Large
Ticket I
1670, 1671,1770,
1771
• Tran amount > interchange fee & < $25,000
• Electronic auth
• Based on tran amount, a tran meeting Large Ticket requirements may be submitted at a
different Corporate Purchasing program when interchange requirements are met & fee
calculates in favor of merchant
• Commercial Card Common Data in clearing record includes: merchant location postal
code, merchant state/province code, country code, merchant tax id, merchant type code, tax
amount, customer code & sales tax indicator
• Commercial Card Line Item Detail in clearing record includes: product code, item
indicator. Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier addenda containing all
required fields may be submitted in place of the Corporate Line Item Detail addenda.
Temporary Services MCC of 7361 must submit a Temporary Services addendum including
all required fields.
• Fleet Card trans at fuel retail locations must contain industry specific data in
clearing record
• MCCs not eligible: 3000–3299, 4511, 3351–3500,7512,7513,7519,3501–3999
,7011,4112, 5812
1.25% +
$40
1.25% +
$40
1.25% +
$40
1.25% +
$40
Commercial Large
Ticket II
1674, 1675, 1774,
1775
• Same qualification criteria as Corporate Large Ticket I
• Transaction amount between $25,000.01 and $99,999.99
1.25% +
$40
1.25% +
$40
1.25% +
$40
1.25% +
$40
Commercial Large
Ticket III
1677, 1678, 1777,
1778
• Same qualification criteria as Commercial Large Ticket I
• Transaction amount $100,000.00 or greater
1.25% +
$40
1.25% +
$40
1.25% +
$40
1.25% +
$40
Commercial
Standard
1600, 1601, 1700,
1701
• Transactions will fall to Commercial Standard if they fail Banknet date and reference
number requirements, or fail Interchange compliance tests
2.95% +
$0.10
2.95% +
$0.10
2.95% +
$0.10
2.95% +
$0.10
61

Commercial Programs
Interchange
Corporate
Rate
Business
Rate
Purch
Rate
Fleet
Rate
Commercial T&E I
1640, 1641, 1740,
1741. 1K40, 1K41
• Optional: lodging and vehicle rental addendum record
• Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging, Restaurants
(excluding Fast Food)
2.40% 2.50% 2.70% 2.70%
Commercial T&E II
1680, 1681, 1780,
1781, 1K80, 1K81
• Lodging Detail addenda must contain arrival date, departure date, folio number, property
phone number, customer service toll-free number
• Vehicle Rental Detail addenda must contain rental agreement number, renter name, rental
return city, rental return state/province, rental return country, return location ID, rental return
date, rental check-out date, customer service toll-free number
• Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging
2.25% +
$0.10
2.35% +
$0.10
2.55% +
$0.10
2.55% +
$0.10
Commercial T&E III
1650, 1651, 1750,
1751, 1K50, 1K51
phone number, customer service toll-free number, room rate, room tax, total room nights,
fire safety act indicator
• Vehicle Rental Detail addenda must contain rental agreement number, renter name, rental
return city, rental return state/province, rental return country, return location ID, rental return
date, rental check-out date, customer service toll-free number, rental rate in financial detail
addendum also, rental location city, rental location state/province, rental location country,
rental class ID, tax exempt indicator, days rented
• Valid Industries: Airlines, Passenger Railways, Lodging, Vehicle Rentals
2.20%
+$0.10
2.3% +
$0.10
2.50%
+$0.10
2.50%
+$0.10
MasterCard
Commercial Card
Refund Rates
• Applies to cardholder returns on Corporate card products
Commercial Refund
Group 1
1604, 1605,1704,
1705
Discount Stores, Drug Stores, Food Stores/Warehouse, Other Transport, Quasi Cash,
Recreation, Restaurant/Bars, Utilities
2.37% 2.37% 2.37% 2.37%
Commercial Refund
Group 2
1614,1615, 1714,
1715
Auto Rental, Clothing Stores, Education, Hotel/Motel, Repair Shops, Sporting/Toy Stores,
Travel Agencies, Vehicles
2.30% 2.30% 2.30% 2.30%
Commercial Refund
Group 3
1624, 1625, 1724,
1725
Airlines, Hardware, Healthcare, Mail Order, Other Retail, Other Services, Professional
Services
2.21% 2.21% 2.21% 2.21%
Commercial Refund
Group 4
1634, 1635, 1734,
1735
Department Stores, Electronic/Appliance Stores, Gas Stations, Interior Furnishings 2.16% 2.16% 2.16% 2.16%
62

Business, Commercial World, World Elite Programs
Corp
World &
World
Elite
Business
Enhanced
Business
World
Business
World Elite
Commercial Data I
1N11, 1O11, 1Q11,
1R11, 1S11
• Clearing record must include the merchant name, address, location postal code,
merchant state/province code, country code, valid merchant tax identification, merchant
type code
2.65% +
$0.10
2.77% +
$0.10
2.82% +
$0.10
2.87% +
$0.10
Commercial Data II
1N21, 1O21, 1Q21,
1R21, 1S21
• Commercial Card Common Data requirements in clearing record must include merchant
location postal code and merchant state/province code, country code, merchant tax
identification, merchant type code, valid tax amount of 0.1% to 30%, customer code and
sales tax indicator
• Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger
Railways, Restaurants (Fast Food is eligible), Vehicle Rentals
2.15% +
$0.10
2.32% +
$0.10
2.37% +
$0.10
2.42% +
$0.10
Commercial Data II
Petroleum
1N18, 1O18, 1Q18,
1R18, 1S17, 1S18
• Electronic auth
date
• Commercial Card Common Data requirements in clearing record include: merchant
location postal code & merchant state/province code, country code, merchant tax id,
merchant type code, tax amount & customer code
• Fleet Card trans at fuel retail locations must contain additional industry-specific data in
clearing record
• Fleet Card trans at fuel retail locations must contain valid data for the fields below in
Financial Detail Addendum
Motor Fuel Product Code
Motor Fuel Unit Price
Motor Fuel Unit of Measure
Motor Fuel Quantity
Motor Fuel Sale Amount
Driver Number/ID Number
Product Code
• Interchange compliance test (match between auth & clearing file)
• MCCs Eligible: 4468 Marinas, Marine Services/Supplies, 5541 Service Stations [with or
without Ancillary Services]
5542 Fuel Dispenser, Automated, 5499 Miscellaneous Automotive, Aircraft, & Farm Equipm
Transactions, 9752 U.K. Petrol Stations, Electronic Hot File
2.05% +
$0.10
2.17% +
$0.10
2.22% +
$0.10
2.27% +
$0.10
63

Corp
World &
World
Elite
Business
Enhanced
Business
World
Business
World Elite
Commercial Data III
1N61, 1O61, 1Q61,
1R61, 1S61
• Applies to Purchasing Cards or Fleet Cards at non-fuel retail locations only
• Commercial Card Line Item Detail in clearing record must include product code, item
indicator. If transaction contains a Shipping/Courier MCC of 4214 or 4215 a
Shipping/Courier addenda containing all required fields may be submitted in place of the
Corporate Line Item Detail addenda. Transactions with a Temporary Services MCC of
7361 must submit a Temporary Services addendum including all required fields.
Railways, Restaurants, Vehicle Rentals
1.80% +
$0.10
1.92% +
$0.10
1.97% +
$0.10
2.02% +
$0.10
Commercial Face to
Face
1N31, 1O31, 1Q31,
1R31, 1S31
• Commercial Card Common Data in clearing record must include merchant location
postal code and merchant state/province code, country code, merchant tax identification,
merchant type code, valid tax amount of 0.1% to 30%, customer code and sales tax
indicator
Railways, Restaurants, Vehicle Rentals
2.15% +
$0.10
2.32% +
$0.10
2.37% +
$0.10
2.42% +
$0.10
Commercial Face to
Face Petroleum
1N28, 1O28, 1Q28,
1R28, 1S27, 1S28
• Commercial Card Common Data in clearing record must include merchant location
postal code and merchant state/province code, country code, merchant tax identification,
merchant type code & customer code
• Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants, Vehicle
Rentals
• MCCs Eligible: 4468 Marinas, Marine Services/Supplies, 5541 Service Stations [with or
without Ancillary Services] 5542 Fuel Dispenser, Automated, 5499 Miscellaneous
Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere classified
Transactions
9752 U.K. Petrol Stations, Electronic Hot File
2.05% +
$0.10
2.17% +
$0.10
2.22% +
$0.10
2.27% +
$0.10
64

Corp
World &
World
Elite
Business
Enhanced
Business
World
Business
World Elite
Commercial Large
Ticket I
1N71, 1O71, 1Q71,
1R71, 1S71
• Trans amount > interchange fee & < $25,000
• Electronic auth
date
• Based on tran amount, a tran meeting Lge Tckt specs may be submitted at a different
Corp Purchasing program when interchange requirements are met & fee calculates to be
more favorable to the merchant
• Commercial Card Common Data in clearing record includes: merchant location postal
code, merchant state/province code, country code, merchant tax id, merchant type code,
tax amount, customer code & sales tax indicator
• Commercial Card Line Item Detail in clearing record must include product code, item
indicator. If tran contains a Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier
addenda containing all required fields may be submitted in place of the Corporate Line
Item Detail addenda. Trans with a Temporary Services MCC of 7361 must submit a
Temporary Services addendum including all required fields.
• Fleet Card trans at fuel retail locations must contain industry specific data in
clearing record
• Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants,
Vehicle Rentals
1.25% +
$40.00
1.37% +
$40.00
1.42% +
$40.00
1.47% +
$40.00
Commercial Large
Ticket II
1N75, 1O75, 1Q75,
1R75, 1S74, 1S75
• Same qualification criteria as Corporate Large Ticket I
• Transaction amount between $25,000.01 and $99,999.99
1.25% +
$40.00
1.37% +
$40.00
1.42% +
$40.00
1.47% +
$40.00
Commercial Large
Ticket III
1N78, 1O78, 1Q78,
1R78, 1S77, 1S78
• Same qualification criteria as Commercial Large Ticket I
• Transaction amount $100,000.00 or greater
1.25% +
$40.00
1.37% +
$40.00
1.42% +
$40.00
1.47% +
$40.00
Commercial Standard
1N01, 1O01, 1Q01,
1R01, 1S01
• Transactions will fall to Commercial Standard if they fail Banknet date and reference
number requirements, or fail Interchange compliance tests
2.95% +
$0.10
3.07% +
$0.10
3.12% +
$0.10
3.17% +
$0.10
Commercial T&E I
1N41, 1O41, 1Q41,
1R41, 1S41
• Optional: lodging and vehicle rental addendum record
• Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging, Restaurants
(excluding Fast Food)
2.40% 2.62% 2.67% 2.72%
Commercial T&E II
1N81, 1O81, 1Q81,
1R81, 1S81
phone number, customer service toll-free number
• Vehicle Rental Detail addenda must contain rental agreement number, renter name,
rental return city, rental return state/province, rental return country, return location ID,
rental return date, rental check-out date, customer service toll-free number
• Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging
2.25% +
$0.10
2.47% +
$0.10
2.52% +
$0.10
2.57% +
$0.10
65

Corp
World &
World
Elite
Business
Enhanced
Business
World
Business
World Elite
Commercial T&E III
1N51, 1O51, 1Q51,
1R51, 1S51
phone number, customer service toll-free number, room rate, room tax, total room nights,
fire safety act indicator
• Vehicle Rental Detail addenda must contain rental agreement number, renter name,
rental return city, rental return state/province, rental return country, return location ID,
rental return date, rental check-out date, customer service toll-free number, rental rate,
rental location city, rental location state/province, rental location country, rental class ID,
tax exempt indicator, days rented
• Valid Industries: Airlines, Passenger Railways, Lodging, Vehicle Rentals
2.2%+
$0.10
2.42% +
$0.10
2.47% +
$0.10
2.52% +
$0.10
Business Enhanced
Utilities
1S54, 1S55
$1.50
Consumer Interregional
Commercial Premium
1Q03
Acquired in the US
Key entry permitted
Card has to be:
World MasterCard for Business
MasterCard Corporate World
World Elite MasterCard Business or
MasterCard Corporate World Elite
2.00%
Consumer Interregional
Commercial Premium
(LAC)
1Q09
Acquired in the LAC Region
Key entry permitted
Card has to be:
World MasterCard for Business
MasterCard Corporate World
World Elite MasterCard Business or
MasterCard Corporate World Elite
2.00%
MasterCard World
Refund Programs
Commercial Refund
Group 1
1604, 1605, 1704, 1705
Discount Stores, Drug Stores, Food Stores/Warehouse, Other Transport, Quasi Cash,
Recreation, Restaurant/Bars, Utilities
2.37% 2.37% 2.37% 2.37%
Commercial Refund
Group 2
1614, 1615, 1714, 1715
Auto Rental, Clothing Stores, Education, Hotel/Motel, Repair Shops, Sporting/Toy Stores,
Travel Agencies, Vehicles
2.30% 2.30% 2.30% 2.30%
Commercial Refund
Group 3
1624, 1625, 1724, 1725
Airlines, Hardware, Healthcare, Mail Order, Other Retail, Other Services, Professional
Services
2.21% 2.21% 2.21% 2.21%
Commercial Refund
Group 4
1634, 1635, 1734, 1735
Department Stores, Electronic/Appliance Stores, Gas Stations, Interior Furnishings 2.16% 2.16% 2.16% 2.16%
66

International Programs
Credit
Rate Per Item
International - Consumer
Electronic (IEI)
1232, 1532
• Non-U.S. issued card
• Settlement within five business days from transaction date
1.10%
International - Consumer
Standard (ISI)
1202, 1502
• Transactions will fall to International Standard if International Electronic criteria is not
met.
1.60%
International Electronic -
Consumer Full UCAF
1226, 1526
• Internet tran
• Electronic auth
• Non-US issued card
• E-commerce Security Level Indicator/UCAF Collection must be present and contain
the value 2
• Terminal Type contains CT6 indicating e-commerce Transaction (CAT Level 6)
contains a 2
• Settle w/in five business days from tran date
• MCC in clearing tran identical to MCC in the auth log record
Banknet date
1.54%
International Consumer Card Product Interchange rates include Program Support Fees of 0.21% for electronic
transactions and 0.41% for non-electronic transactions.
67

Credit
Rate Per Item
International Consumer
Card Merchant UCAF
1216, 1516
• Internet Tran
• Electronic auth
• Non-US issued card
• E-commerce Security Level Indicator/UCAF Collection must be present and contain
the value 1
• Terminal Type contains CT6 indicating e-commerce tran (CAT Level 6)
contains a 1
• POS Data/Cardholder-Activated Terminal Level Indicator 6, indicating e-commerce
(CAT6)
• Settle w/in five business days from tran date
• MCC in clearing tran identical to MCC in auth log record
Banknet date
1.44%
MasterCard International
Commercial Interchange
Programs
International Purchasing
Large Ticket
1772
• Settlement within thirty business days from transaction date
• Applies to Purchasing Card or Fleet Card only
• Depending on the transaction amount, a transaction meeting the Large Ticket
requirements may be submitted at a different Corporate Purchasing program when the
interchange requirements are met and the fee calculates to be more favorable to the
merchant
• Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants, Vehicle
Rentals
0.90% $30.00
68

Credit
Rate Per Item
International Purchasing
Data Rate II
1722
• Applies to Purchasing Cards at eligible industries or Fleet Cards at non-fuel retail
locations only
• Settlement within five business days from transaction date
postal code, merchant state/province code, country code, merchant tax identification,
merchant type code, tax amount, customer code and sales tax indicator
1.70%
International
Commercial Purchasing
1702
• Applies to Purchasing Card or Fleet Card only
• Transactions fall to International Purchasing if they fail to meet other International
Purchasing program requirements
2.00%
International
Commercial
1602
• Applies to Business Card or Corporate Card only
• Transactions fall to International Corporate if they fail to meet other International
Corporate Card program requirements.
2.00%
Interregional Electronic
Card Consumer
Acquired outside the US
Region
1J02
• MasterCard® Electronic™ Card & Prepaid MasterCard Electronic Card
• Magnetic stripe data required
• Settlement within thirty business days from transaction date
• Approval code required
1.10%
Interregional MasterCard
Electronic Card
Consumer Acquired in
the U.S. Region
1J06
• MasterCard® Electronic™ Card & Prepaid MasterCard Electronic Card
• Magnetic stripe data required
• Settlement within 5 business days from transaction date
• Banknet Reference number required
1.10%
Interregional MasterCard
Electronic Card
Commercial
1659
• MasterCard® Electronic Business Card & MasterCard® Electronic Commercial
• Magnetic stripe data required, except internet transactions
• MCC's except: 5542, 5960, 5962, 5964 - 5969
• Card Acceptor Type & Tax ID required
1.85%
69

Discover Qualification Programs
Interchange Program Interchange Summary Description Credit Rate Premium Rate Rewards Rate Debit Rate
Prime Recurring
Payments
1D91 (credit)
1E91 (debit)
1G91 (premium)
1H91 (rewards)
Approved authorization response received; processing code
included and equal to address verification with authorization for
recurring billing, recurring billing, installment payment or
subscription; CVV data must be present in the authorization request
if POS entry mode equals magnetic stripe, radio frequency
identification indicator or mobile commerce; deposit date within two
days of transaction date.
Only MCCs 4812, 4814, 4899, 4900, 5960, 5968, 6300, 7298, 7997,
8675, 8699 are eligible.
1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05
Prime Utilities
1D95 (credit)
1E95 (debit)
1G95 (premium)
1H95 (rewards)
Approved authorization response received; deposit date within two
Only MCC 4900 is eligible.
0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75
Prime Real Estate
1D15 (credit)
1E15 (debit)
1G15 (premium)
1H15 (rewards)
Approved authorization response received; deposit date within three
1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00
Prime Insurance
1D55 (credit)
1E55 (debit)
1G55 (premium)
1H55 (rewards)
Only MCCs 5960 or 6300 are eligible.
1.43% + $0.05 1.43% + $0.05 1.43% + $0.05 0.80% + $0.25
Prime Supermarkets
1D81 (credit)
1E81 (debit)
1E85 (debit - cap)
1G81 (premium)
1H81 (rewards)
Approved authorization response received; POS entry mode equal
to magnetic stripe, radio frequency identification indicator, mobile
commerce or biometrics; CVV data must be present in the
authorization request if POS entry mode equals magnetic stripe,
radio frequency identification indicator or mobile commerce; deposit
date within two days of transaction date.
1.40% + $0.05 1.65% + $0.05 1.65% + $0.05 (1.02% + $0.16)
(0.00% + $0.36)
Prime Emerging
Markets
1D75 (credit)
1E75 (debit)
1G75 (premium)
1H75 (rewards)
Only MCCs 4899, 5968, 5983, 8211, 8220, 8299, 8351, 8398 are
eligible.
1.45% + $0.05 1.45% + $0.05 1.45% + $0.05 0.90% + $0.20
Prime Public Services
1D71 (credit)
1E71 (debit)
1G71 (premium)
1H71 (rewards)
Only MCCs 9211, 9222, 9223, 9311, 9399 are eligible.
1.50% + $0.10 1.50% + $0.10 1.50% + $0.10 0.90% + $0.20
Prime Express Services
1D61 (credit)
1E61 (debit)
1G61 (premium)
1H61 (rewards)
radio frequency identification indicator or mobile commerce;
transaction amount less than or equal to $15.00 ($25.00 for MCC
4121); deposit date within two days of transaction date.
Only MCCs 4111, 4121, 4131, 4784, 5812, 5814, 5994, 7211, 7216,
7338, 7523, 7542, 7832, 7841 are eligible.
1.70% + $0.03 1.70% + $0.03 1.70% + $0.03 1.55% + $0.04
Prime Petroleum
1D51 (credit)
1E51 (debit)
1G51 (premium)
1H51 (rewards)
1.55% + $0.05 1.73% + $0.05 1.73% + $0.05 0.76% + $0.16
The Discover rates shall only apply if First National Bank of Omaha settles payment for Discover transactions for the Merchant.
70

Prime Retail
1D41(credit)
1E41 (debit)
1G41 (premium)
1H41 (rewards)
Supermarkets/Warehouse Clubs, Petroleum, Restaurants,
Hotels/Car Rentals, Public Services, Utilities, Emerging Markets,
Quasi Cash, Real Estate, Insurance and High Risk MCCs are not
eligible.
1.56% + $0.10 1.71% + $0.10 1.71% + $0.10 1.02% + $0.16
Prime Restaurants
1D35 (credit)
1E35 (debit)
1G35 (premium)
1H35 (rewards)
1.56% + $0.10 2.20% + $0.10 1.90% + $0.10 1.19% + $0.10
Prime Hotels/Car
Rentals
1D31 (credit)
1E31 (debit)
1G31 (premium)
1H31 (rewards)
Approved authorization response received; CVV data must be
present in the authorization request if POS entry mode equals
magnetic stripe, radio frequency identification indicator or mobile
commerce; deposit date within two days of transaction date.
Only MCCs 3351-3441, 3501-3999, 7011, 7012, 7512, 7513, 7519
are eligible.
1.58% + $0.10 2.30% + $0.10 1.90% + $0.10 1.35% + $0.16
Prime Card Not
Present/E-Commerce
1D21 (credit)
1E21 (debit)
1G21 (premium)
1H21 (rewards)
to manual or electronic commerce; card presence indicator equal to
card not present; AVS request submitted in authorization; deposit
eligible.
1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16
Prime Key Entry
1D11 (credit)
1E11 (debit)
1G11 (premium)
1H11 (rewards)
to manual or card present magstripe is defective and cannot be
read; card presence indicator equal to card present; deposit date
within two days of transaction date.
eligible.
1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16
Mid Submission Level
1D05 (credit)
1E05 (debit)
1H05 (rewards)
High Risk MCCs are not eligible.
2.40% + $0.10 2.40% + $0.10 1.72% +$0.20
Mid Submission Level
Premium
1G05
MCCs for Hotels/Car Rentals and High Risk MCCs are not eligible.
2.40% + $0.10
Base Submission Level
1D01 (credit)
1E01 (debit)
1G01 (premium)
1H01 (rewards)
Deposit date within 60 days of transaction date. 2.95% + $0.10 2.95% + $0.10 2.95% + $0.10 1.89% + $0.25
Commercial Utilities
1F95
Approved authorization response received; deposit date within two
0.00% + $1.50
71

Commercial Electronic
1F11
Approved authorization response received; CVV data must be
present in the authorization request if POS entry mode equals
magnetic stripe, radio frequency identification indicator or mobile
commerce; AVS request submitted in authorization for card not
present transactions except for High Risk MCCs (5962, 5966, 5967);
deposit date within three days of transaction date for Emerging
Markets and Public Services MCCs and within two days of
transaction date for all other MCCs.
2.30% + $0.10
Commercial Base
1F01
Deposit date within 60 days of transaction date. 2.95% + $0.10
International Electronic
Program
1D06
Diners International only cards.
date within 5 days of transaction. All except high risk.
1.16% + $0.00
International Base
Program
1D02
Diners International only cards.
Deposit date within 60 days of transaction date.
1.70% + $0.10
Consumer Core
Consumer Adjustment
Voucher Program 1:
Direct Marketing MCCs
1D25 (credit)
1E25 (debit)
1G25 (premium)
1H25 (rewards)
Adjustment Voucher Programs are Acquirer Interchange Programs
for Credits. Credits are assigned to an Adjustment Voucher Program
based on the type of Card product and Merchant Category Code
involved in the underlying Card Sale. Valid MCC's 5960, 5962,
5964, 5965, 5966, 5967, 5968, 5969
2.07% 2.07% 2.07% 1.80%
Consumer Core
Consumer Adjustment
Voucher Program 3:
Non Direct Marketing/
Passenger Transport
1D45 (credit)
1E45 (debit)
1G45 (premium)
1H45 (rewards)
based on the type of Card product and Merchant Category Code
involved in the underlying Card Sale. All other MCC's.
1.75% 1.75% 1.75% 1.35%
International
Adjustment Voucher
Program
1D26
based on the type of Card product of International cards.
0.00% + $0.00
Commercial Adjustment
Voucher Program
1F15
based on the type of Card product of Commercial Cards.
2.25% + $0.00
72

Debit Networks
ATM/Debit Network Fees
Network Fee
Interlink Network
Interlink Standard 0.95% + $0.20 1800 1970
Interlink Qualified Supermarket 0.95% + $0.20 1801 1971 ($0.35 max)
Interlink Qualified Supermarket Maximum $0.35 ($0.35 max)
Interlink Fuel 0.75% + $0.17 1803 1903 ($0.95 max)
Interlink Fuel Maximum $0.95 1804 1904 ($0.95 max)
Maestro Network (effective Nov 1, 2009)
Maestro 0.90% + $0.15 1810 1972 (no max)
Maestro Supermarket/Warehouse 1.05% + $0.15 1813 1927 ($0.35 max)
Maestro Supermarket/Warehouse Maximum $0.35 1806 1906 ($0.35 max)
Maestro Convenience Stores 0.75% + $0.17 1814 1928 ($0.95 max)
Maestro Convenience Stores Maximum $0.95 1816 1930 ($0.95 max)
Star Network
Star 0.80% + $0.18 1820 1973 (no max)
Star Medical-transaction < $15.00 1.20% + $0.21 1851 1951
Star Medical-transaction > $15.01 0.80% + $0.18 1820 1973 (no max)
Star Small Ticket Retail < $10.00 1.25% + $0.16 1852 1952
Star Small Ticket Retail > $10.01 0.80% + $0.18 1820 1973 (no max)
Star Grocery $0.27 1822 1932
Star QSR 1.25% + $0.16 1823 1933 (no max)
Star Petroleum 0.80% + $0.14 1824 1920 (no max)
NYCE Network
NYCE 0.75% + $0.17 1835 1976 ($0.26 min)
NYCE Other Minimum $0.26 1830 1915 ($0.26 min)
NYCE Grocery $0.26 1836 1934
NYCE Petroleum 0.85% + $0.15 1831 1916 ($0.26 min)
NYCE Petroleum Minimum $0.26 1832 1917 ($0.26 min)
NYCE QSR 0.55% + $0.065 1837 1935 ($0.185 min; $0.50 max)
NYCE QSR Minimum $0.185 1833 1918 ($0.185 min)
NYCE QSR Maximum $0.50 1838 1936 ($0.50 max)
Pulse Network
Pulse Retail 0.74% + $0.10 1840 1977
Pulse Grocery $0.215 1843 1943
Pulse Petroleum 0.74% + $0.10 1844 1944
Accel Network
Accel 0.75% + $0.15 1845 1978 (no max)
Accel Grocery $0.25 1847 1938
Accel QSR 1.25% + $0.03 1848 1948 ($0.45 max)
Accel QSR Maximum $0.45 1849 1949 ($0.45 max)
Shazam Network
Shazam 0.75% + $0.15 1855 1980 (no max)
Shazam Petroleum 0.75% + $0.13 1858 1958 (no max)
Shazam QSR 1.25% + $0.05 1865 1965 (no max)
Shazam Small Ticket Transaction < $25 1.25% + $0.05 1867 1967 (no max)
Shazam Grocery $0.21 1856 1939
AFFN Network
AFFN 0.65% + $0.12 1875 1984 ($0.50 max)
AFFN Maximum $0.50 1876 1986 ($0.50 max)
AFFN Major Merchants 0.50% + $0.065 1877 1987 ($0.40 max)
AFFN Major Merchants Maximum $0.40 1878 1988 ($0.40 max)
AFFN Supermarket $0.17 1879 1989
Alaska Option Network
Alaska Option $0.26 1805 1905
Charge Types
73

Interchange Summary April2010

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