Credit Card Processing

Visa CPS/Supermarket

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CPS Supermarket is an interchange category used to determine the fee for Visa cards used at grocery stores when the card is present and a customer’s signature is obtained.

Interchange rate & fee: 1.22% + $0.05

Also known as:
VI SUPRMKT

As noted in the introduction, CPS Supermarket is an interchange category used to determine the fee for Visa cards used at grocery stores when the card is present and a customer’s signature is obtained.

Qualification criteria:
The CPS Supermarket interchange category will apply under the following conditions:

  • The card is present for the transaction and entire magnetic strip contents or chip data is included in the authorization request
  • The customer’s signature is obtained
  • The transaction date is within one day of the authorization date
  • Settlement is within 2 days from the transaction date (excludes Sundays and holidays)
  • The transaction meets enhanced data clearing requirements
  • The business is classes with a valid merchant category code (MCC)

Eligible Merchant Category Codes:
The CPS Supermarket interchange category only applies to one MCC: 5411 (Grocery Stores/Supermarkets)

Typical bundled qualification:
Although qualifications for transactions vary, many processors class the CPS Supermarket interchange category as “qualified” for transactions processed by card-present and card-not-present businesses.

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Ben Dwyer

BY Ben Dwyer

Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing.As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry.

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