CPS Supermarket is the first part of several interchange categories that determine the fees a supermarket will pay for accepting debit or prepaid cards. There are CPS Supermarket categories for in-person debit and prepaid card transactions. There are no “card not present” categories. Additionally, there are no CPS supermarket categories for credit ...

Note: As of summer 2023, the Retail 2 Card Present interchange category is no longer listed in Visa's published interchange table. We're leaving this article here for historical purposes, but it will not longer be updated, as Visa is not using the Retail 2 Card Present category anymore. At this time, Retail 2 Card Not Present is still in use for de...

Note: As of 2023, Visa is no longer using Signature Preferred Card Not Present as an interchange category itself, and it is no longer listed in the published interchange schedule. We're leaving this article for historical purposes, but will not be updating it since this category no longer exists as named.   Interchange rate & fee: 2.40% ...

In the past, the category had subcategories for credit, debit, and prepaid cards. As of 2023, there are only subcategories for debit and prepaid cards. Interchange rate & fee (debit): 1.55% + $0.04* Interchange rate & fee (prepaid): 1.60% + $0.05 *Note that this fee only applies to unregulated debit transactions. Regulated debit transact...

Historically, Visa had categories for CPS Restaurant that applied to credit cards. However, as of 2023, none of those categories are listed in Visa's interchange tables. Only CPS restaurant for debit and prepaid cards remain. Let’s take a look at when the different categories apply, the costs, and other categories you might see as a restaurant o...

Historically, this interchange category applied to credit cards as well. As of 2023, there are no CPS Retail 2 Card Not Present interchange categories for credit cards; it only applies to debit and prepaid cards, as follows. Interchange rate & fee (debit): 0.65% + $0.15*, with a $2.00 cap. Interchange rate & fee (prepaid): 0.65% + $0.15, ...

Interchange downgrades aren't exactly a fun topic, and they can be a little complicated to explain. However, there are very real costs associated with them, and too many downgrades means throwing money down the drain. Fortunately, downgrades are an avoidable expense. The issue is that a processor’s expertise is required to recognize and address ...

Note: As of summer 2023, Visa no longer utilizes these interchange categories. They have either been renamed or merged with other categories. We're leaving this page for historical accuracy, but will no longer be updating it. The rates and fees noted may or may not be relevant to your Visa interchange rates and fees for credit transactions.  &nb...

Note: As of summer 2023, this interchange category is no longer listed in Visa's published interchange table. We're preserving this article for historical accuracy, but it will no longer be updated as these categories don't exist anymore.   The categories only apply to consumer rewards cards. (That is, cards issued to an individual consu...

Note: As of 2023, Visa's published interchange table no longer lists the CPS Rewards 1 or Signature Preferred interchange categories. The rates that applied are found in other categories, which have either been renamed or merged with CPS Rewards 1 and Signature Preferred. We're leaving this article for historical purposes, but it will no longer be ...