Contrary to popular belief, debit cards do not incur flat fees. You’ll be charged a percentage of the total and a per-transaction fee, just like with credit cards. However, card-not-present (CNP) debit has more possible interchange categories. There are technically ten interchange categories for Visa CNP debit, but five of them are simply the “r...

Note that the debit categories only apply to signature debit. (Sometimes called “running as credit.”) PIN debit transactions do not receive interchange fees. Instead, they’re charged PIN debit network fees. If you’re looking for that info, check our article on PIN debit costs. CPS Retail Debit Rates There are technically four debit categories...

It doesn’t matter how big or small your business is – if you take business credit cards, you can qualify for better rates. B2B transactions don’t have to cost more. Note: Unfortunately, in October 2017, Visa raised its rates for some commercial transactions and businesses won't save as much by providing Level 2 or Level 3 data as they did before...

Note that in the past, Visa has had two categories for commercial level 2 cards - one for corporate cards and one for purchasing cards. As of 2023, Visa's published interchange table shows one consolidated category - commercial level II. Interchange rate & fee: 2.50% + $0.10 Also known as: US CORP L2 Commercial Level II (also known as US COR...

Interchange rate & fee: 2.70% + $0.10 Also known as: COMM CNP P Commercial Card Not Present (or COMM CNP P) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a commercial purchasing card instead of a consumer credit card. The transaction takes place by phon...

In Visa's published interchange table as of summer 2023, this category shares a generic name (Commercial Card Not Present) with purchasing cards. Previously, the categories had two different, if similar, names - Corporate Card Not Present and Purchasing Card Not Present. Now, they simply share the name Commercial Card Not Present. You may still see...

In the past, Visa has maintained two categories for commercial level II - one for purchasing cards and one for corporate cards. As of this update in 2023, Visa's published interchange table shows one consolidated category - Commercial Level II - for both card types. Rate & fee: 2.50% + $0.10 Also known as: US COMM L2 P Commercial Level II (U...

The Business Card Level II (US COMM L2) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a business credit card instead of a consumer credit card. This interchange category has several rates associated, depending on the " spend tier" associated. Interchange rat...

Interchange rate & fee: 2.65% + $0.10 Also known as: COMM CNP B The Business Card – Card Not Present (or COMM CNP B) is an interchange category that is used to calculate the interchange fee for card-not-present transactions involving a payment made with a business credit card instead of a consumer credit card. The transaction takes place by p...

Note: As of spring 2025, Visa has made changes to the EIRF downgrade category. While EIRF still applies to debit and prepaid card transactions, it has been replaced by the "Non-Qualified" category for consumer credit. You can read more about that in our article Visa Non-Qualified Interchange. In credit card processing, interchange downgrades occ...