Get the payment processing solution that fits your business
Transparent Pricing, Real Savings
Understand exact rates and keep more of what you earn—no hidden fees, no guesswork.
Transparent Pricing, Real Savings
Understand exact rates and keep more of what you earn—no hidden fees, no guesswork.
Discover How Interchange Plus Pricing Keeps More Money in Your Business
At Host Merchant Services, we think that payments should be simple, flexible, and cost-effective. That’s why we provide Interchange Plus pricing, a model designed to pass wholesale credit card costs to you plus a small markup, so you do not pay more. We have no hidden fees, no inflated tiers, and no complex statements. Only fair pricing will help your business grow.
Transparent Pricing. Real Savings.
Lower Your Processing Costs with Interchange Plus Pricing from Host Merchant Services
Say goodbye to confusing statements and inflated markups. Getting started with Host Merchant Services gets you Interchange Plus pricing, the most straightforward, fair, and cheapest way to accept payments.
Interchange Plus pricing ensures that, unlike flat rate or tiered pricing, you always pay the actual cost for each transaction without extra layers or hidden fees. With Interchange Plus, your interchange rate is set by the organizations Visa, Mastercard, Discover, and AMEX plus a small, clearly defined HMS margin.
No guesswork. No inflated surcharges. Just honest pricing that rewards your business growth.
Why Do Businesses Choose Interchange Plus?
When you process with HMS, you’re not just getting lower rates — you’re getting control, clarity, and trust built into every transaction.
Here’s why thousands of merchants are switching:
- Wholesale Pricing: Access the same low interchange rates that large corporations get.
- Full Transparency: Every cost is itemized — you’ll always see what goes to the bank, card brand, and HMS.
- Automatic Savings: As your volume grows, your effective rate decreases.
- No Rate Increases, Ever: We don’t raise your fees after signing up — what you see is what you get.
- Simple Statements: Easy-to-read reports that show your true cost and margin.
Common Visa and MasterCard Interchange Rates 2025
| Card Type | Current Interchange Rate |
|---|---|
| Visa Debit CPS | 0.80% + 15¢ |
| Visa Debit CPS Regulated | 0.05% + 22¢ |
| MasterCard Debit | 1.05% + 22¢ |
| MasterCard Debit Regulated | 0.05% + 22¢ |
| Visa Credit CPS Retail | 1.51% + 10¢ |
| MasterCard Credit Consumer (Merit III Core) | 1.65% + 10¢ |
Common Visa Interchange and MasterCard Interchange Rates 2025
Card Present Visa Debit Interchange
| Visa Debit Interchange | Visa Interchange Rate |
|---|---|
| Visa Debit CPS | 0.800% + 15¢ |
| Visa Debit CPS Regulated | 0.050% + 22¢ |
| Visa Debit Prepaid | 1.510% + 15¢ |
| Visa Debit Business | 1.650% + 15¢ |
| Visa Debit Business Regulated | 0.050% + 22¢ |
| Restaurant DEB | 1.19% + $0.10 |
| Restaurant Debit Regulated | 0.05% + $0.22 |
| CPS/Restaurant Prepaid | 1.15% + $0.15 |
| Supermarket DEB | 0.00% + $0.30 |
| CPS/Supermarket Debit REG | 0.05% + $0.22 |
| CPS/Supermarket Prepaid | 1.15% + $0.15 |
| VISA Utility DEB | 0.00% + $0.65 |
| Utility Debit REG | 0.05% + $0.22 |
| Utility Business Prepaid | 0.00% + $1.50 |
| Utility Business Debit | 0.00% + $1.50 |
| CPS/Auto Fuel Dispenser DB REG | 0.05% + $0.22 |
| Hotel Card Present DEB | 1.19% + $0.10 |
| CPS/E-Comm - Hotel Debit REG | 0.05% + $0.22 |
| CPS/Hotel CNP Prepaid | 1.75% + $0.20 |
Card Present Mastercard Debit Interchange
| MasterCard Debit Interchange | MasterCard Interchange Rate |
|---|---|
| MC Debit | 1.050% + 15¢ |
| MC Debit Regulated | 0.050% + 22¢ |
| MC Debit Prepaid | 1.050% + 15¢ |
| M/C Restaurant DEB | 1.19% + $0.10 |
| Restaurant - Debit REG | 0.05% + $0.21 |
| MC Restaurant Prepaid | 1.19% + $0.10 |
| M/C Supermarket DEB | 1.05% + $0.15 |
| Supermarket Base - Debit REG | 0.05% + $0.21 |
| MC Supermarket Base Prepaid | 1.05% + $0.15 |
| M/C Merit 1 Debit Core Real Estate | 0.80% + $0.25 |
| M/C Merit 1 Real Estate Prepaid | 0.80% + $0.25 |
| Merit 1 Real Estate - Debit REG | 0.05% + $0.21 |
| M/C Petro CAT AFD DEB | 0.70% + $0.17 |
| Petroleum AFD - Debit REG | 0.05% + $0.21 |
| M/C Petroleum AFD Prepaid | 0.70% + $0.17 |
| M/C Utilities BUS Debit | 0.00% + $1.50 |
| M/C Utility Debit | 0.00% + $0.65 |
| M/C Utility Prepaid | 0.00% + $0.65 |
| Utilities - Debit REG | 0.05% + $0.21 |
| M/C Utilities Business Prepaid | 0.00% + $1.50 |
| M/C Travel Premier Lodging Prepaid | 1.15% + $0.15 |
| Travel (Tips) Loading DB REG | 0.05% + $0.21 |
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Card Not Present Visa Debit Interchange
| Keyed Visa Debit Interchange | Visa Interchange Rate |
|---|---|
| Visa Debit CPS | 1.650% + 15¢ |
| Visa Debit CPS Regulated | 0.050% + 22¢ |
| Visa Debit Prepaid | 1.750% + 20¢ |
| Visa Debit Business | 2.450% + 10¢ |
| Visa Debit Business Regulated | 0.050% + 22¢ |
| E-Commerce - Basic DEB | 1.65% + $0.15 |
| CPS/E-Commerce - Basic Prepaid | 1.75% + $0.20 |
| Hotel Card Not Present DEB | 1.70% + $0.15 |
Card Not Present Mastercard Debit Interchange
| Keyed MC Debit Interchange | MasterCard Interchange Rate |
|---|---|
| MC Debit Keyed | 1.600% + 15¢ |
| MC Debit Regulated Keyed | 0.050% + 22¢ |
| MC Debit Keyed Prepaid | 1.760% + 20¢ |
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Visa Credit Interchange – Card Present
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Visa CPS Retail | 1.510% + $0.10 |
| Visa Rewards Traditional | 1.650% + $0.10 |
| Visa Rewards Signature | 2.300% + $0.10 |
| Visa Rewards Signature Preferred | 2.100% + $0.10 |
| Visa Corporate | 2.100% + $0.10 |
| Visa Business | 2.200% + $0.10 |
| Visa Purchasing | 2.400% + $0.10 |
Fuel Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Fuel Consumer Credit | 1.15% + $0.25 |
| Commercial Fuel Fleet | 2.50% + $0.10 |
| V Level II - Fuel Purchasing | 2.20% + $0.10 |
| V Level II - Fuel Corporate | 2.20% + $0.10 |
Restaurant Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Restaurant Consumer CP | 2.10% + $0.00 |
| Restaurant Consumer CP Min | 0.00% + $0.04 |
| Restaurant Sign Prefer CP | 2.60% + $0.00 |
| Restaurant Sign Prefer CP Min | 0.00% + $0.04 |
Supermarket Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Visa Supermarket Qualification | 1.50% + $0.07 |
| Visa Supermarket Trad | 1.50% + $0.07 |
| Visa Supermarket Rewards | 1.50% + $0.07 |
| Visa Supermarket Sign INF | 1.65% + $0.07 |
| Visa Supermarket Sign PREF | 2.00% + $0.07 |
Insurance Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Insurance Consumer | 1.43% + $0.05 |
| Insurance Consumer rewards | 1.43% + $0.05 |
| Insurance Signature | 1.43% + $0.05 |
| Insurance Signature Prefer | 2.25% + $0.10 |
Utility Interchange
| Card Type / Category | Visa Interchange Rates |
|---|---|
| Visa Utility | 0.0% + $0.75 |
| Visa Utility - Business Card | 0.0% + $1.50 |
Travel Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Travel Services Consumer | 1.75% + $0.10 |
| Travel Services Consumer REWD | 1.95% + $0.10 |
| Travel Services Signature PREF | 2.40% + $0.10 |
Education Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Education Consumer | 1.43% + $0.05 |
| Education Consumer Rewards | 1.43% + $0.05 |
| Education Signature | 1.43% + $0.05 |
| Education Signature Preferred | 2.15% + $0.10 |
Advertising Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Advertising Consumer | 1.55% + $0.10 |
| Advertising Consumer Rewards | 1.70% + $0.10 |
| Advertising Signature | 1.75% + $0.10 |
| Advertising Signature Preferred | 2.30% + $0.10 |
Healthcare Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Healthcare Consumer | 1.43% + $0.05 |
| Healthcare Consumer Rewards | 1.43% + $0.05 |
| Healthcare Signature | 1.43% + $0.05 |
| Healthcare Signature Preferred | 2.30% + $0.10 |
Mastercard Credit Interchange – Card Present
| Category | Card Type | Interchange Rate |
|---|---|---|
| Retail | MC Consumer | 1.580% + $0.10 |
| Retail | MC Enhanced | 1.800% + $0.10 |
| Retail | MC World | 1.770% + $0.10 |
| Retail | MC World Elite | 2.300% + $0.10 |
| Retail | MC Corporate | 1.900% + $0.10 |
Restaurant Interchange
| Card Type | Interchange Rate |
|---|---|
| World M/C Restaurant | 1.85% + $0.10 |
| M/C World Elite Restaurant | 2.00% + $0.10 |
Supermarket Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Supermarket | 1.45% + $0.10 |
| M/C Enhanced Supermarket Base | 1.60% + $0.10 |
| M/C World Elite Supermarket | 2.10% + $0.10 |
Fuel Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Petroleum Base | 1.90% + $0.00 |
| World M/C Petroleum Base | 2.00% + $0.00 |
| World Elite M/C Petroleum Base | 2.00% + $0.00 |
Real Estate & Property Management Interchange
| Card Type | Interchange Rate |
|---|---|
| MC Real Estate Consumer | 1.43% + $0.05 |
| MC Real Estate Enhanced | 1.43% + $0.05 |
| MC Real Estate World | 1.43% + $0.05 |
| MC Real Estate World Elite | 2.200% + $0.10 |
| MC Real Estate Corporate | 2.650% + $0.10 |
Insurance Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Merit 1 - INSU | 1.43% + $0.05 |
| M/C World Merit 1 - INSU | 1.43% + $0.05 |
| M/C World Elite Merit 1 - INSU | 2.25% + $0.10 |
| M/C Enhanced Merit 1 - INSU | 1.43% + $0.05 |
Utility Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Utility Credit | 0.00% + $0.75 |
| M/C Enhanced Utility | 0.00% + $0.75 |
Travel Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Travel Premier - Lodging | 1.65% + $0.10 |
| M/C Travel Premier - Vehicle | 1.65% + $0.10 |
| M/C Enhanced Tips - Lodging | 1.75% + $0.10 |
B2B Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Commercial Bus To Bus | 2.00% + $0.00 |
| M/C CORP Standard Business | 2.95% + $0.10 |
| M/C World Business COMM Standard | 2.95% + $0.10 |
| M/C COMM Bus To Bus 2 | 1.80% + $0.00 |
| M/C COMM Bus To Bus 3 | 1.60% + $0.00 |
| M/C COMM Bus To Bus 4 | 1.40% + $0.00 |
| M/C COMM Bus To Bus 5 | 1.20% + $0.00 |
| M/C COMM Bus To Bus 6 | 1.00% + $0.00 |
Services Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C SVC INDS Incentive PROG | 1.15% + $0.05 |
| M/C Enhanced Service Industry | 1.15% + $0.05 |
| World M/C Service Industries | 1.15% + $0.05 |
| M/C High Value Service Industrie | 1.15% + $0.05 |
Public Sector Interchange
| Card Type | Interchange Rate |
|---|---|
| M/C Public Sector CP Credit | 1.55% + $0.10 |
| M/C Enhanced Public Sector CP | 1.55% + $0.10 |
| World M/C Public Sector CP | 1.55% + $0.10 |
| M/C High Value Public Sector CP | 1.55% + $0.10 |
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Visa Credit Interchange – Card Not Present (Keyed)
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Visa Keyed CPS Retail | 1.800% + $0.10 |
| Visa Keyed Rewards Traditional | 1.950% + $0.10 |
| Visa Keyed Rewards Signature | 2.700% + $0.10 |
| Visa Keyed Rewards Signature Preferred | 2.300% + $0.10/td> |
| Visa Keyed Corporate | 2.950% + $0.10 |
| Visa Keyed Business | 2.950% + $0.20 |
| Visa Keyed Purchasing | 2.950% + $0.10 |
Restaurant Keyed Interchange
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Restaurant Consumer CNP | 2.20% + $0.00 |
| Restaurant Consumer CNP Min | 0.00% + $0.04 |
| Restaurant Sign Prefer CNP | 2.70% + $0.00 |
| Restaurant Sign Prefer CNP Min | 0.00% + $0.04 |
Visa Charity Interchange Rates
| Card Type / Category | Visa Interchange Rate |
|---|---|
| Visa Debit (Regulated) | 0.050% + $0.22 |
| Visa Charity Credit | 1.350% + $0.05 |
| PayPal Donation | 2.200% + $0.30 |
Mastercard Credit Interchange – Card Not Present (Keyed)
| Card Type / Category | Mastercard Interchange Rate |
|---|---|
| MC Keyed Consumer | 1.95% + $0.10 |
| MC Keyed Enhanced | 2.10% + $0.10 |
| MC Keyed World | 2.20% + $0.10 |
| MC Keyed World Elite | 2.950% + $0.10 |
| MC Keyed Corporate | 2.650% + $0.10 |
Mastercard Public Sector Interchange – Card Not Present
| Card Type | Mastercard Interchange Rate |
|---|---|
| M/C Public Sector CNP Credit | 1.55% + $0.10 |
| M/C Enhanced Public Sector CNP | 1.55% + $0.10 |
| World M/C Public Sector CNP | 1.55% + $0.10 |
| M/C High Value Public Sector CNP | 1.55% + $0.10 |
Mastercard Charity Interchange Rates
| Card Type / Category | Mastercard Interchange Rate |
|---|---|
| MC Debit (Regulated) | 0.050% + $0.22 |
| MC Charity Debit (Non-regulated) | 1.450% + $0.15 |
| MC Charity Credit | 2.000% + $0.10 |
| PayPal Donation | 2.200% + $0.30 |
Visa International Interchange Rates
| Card Type / Category | Interchange Rate |
|---|---|
| Visa International | 1.100% |
| Visa International Premium | 1.100% |
| Visa International Corporate | 2.000% |
| Visa International Keyed | 1.600% |
Mastercard International Interchange Rates
| Card Type / Category | Interchange Rate |
|---|---|
| MC International | 1.100% |
| MC International Keyed | 1.600% |
Visa & Mastercard Association Fees
| Fee Type | Rate / Fee |
|---|---|
| Visa Card-Brand Credit Acquirer Service Fee | 0.1400% |
| Visa Card-Brand Debit Acquirer Service Fee | 0.1300% |
| Visa NAPF (Network Acquirer Processing Fee) | $0.0195 |
| Visa Clearing Access | $0.0025 |
| Visa International Cross-Border | 0.8000% |
| Visa Intl Acquirer Service Fee | 0.4500% |
| Visa FANF – Card-Present Per Location | $2 / month |
| Visa FANF – Keyed Volume $1,000–$3,999 | $7 / month |
| Mastercard Card-Brand (Under $1,000) | 0.1300% |
| Mastercard Card-Brand (Over $1,000) | 0.1400% |
| Mastercard Account Status Inquiry | $0.025 |
Mastercard Association Fees
| Fee Type | Rate / Fee |
|---|---|
| MC Card-Brand (Under $1,000) | 0.1300% |
| MC Card-Brand (Over $1,000) | 0.1400% |
| MC Card-Brand Debit (Over $1,000) | 0.1300% |
| MC ALF (Acquirer License Fee) | 0.0047% |
| MC NABU (Network Brand Usage Fee) | $0.00195 |
| MC Account Status Inquiry (on $0 auth) | $0.0250 |
| MC CVC 2 Authorization Fee | $0.0025 |
| MC AVS Authorization Fee | $0.0100 |
| MC Intl Cross-Border Support | 0.6000% |
| MC International Cross-Border | 0.8500% |
| MC – Per Location Annual Fee 2016 | $7.50/year |
| MC – Per Location Annual Fee 2017+ | $15/year |
The HMS Advantage — Beyond Transparent Pricing
Some businesses face more challenges than others, whether it’s higher chargebacks, stricter regulations, or industry stigma. But we beg to differ in that view; no one should stop you from accepting payments and growing your business.
- Next-Day Funding: Receive your deposits as soon as the next business day.
- PCI-Compliant Security: Advanced encryption and tokenization protect every transaction.
- Custom Integrations: Works seamlessly with POS systems, eCommerce carts, and CRMs.
- 24/7 U.S.-Based Support: Speak directly to a payment expert — no waiting, no bots.
- Month-to-Month Contracts: Stay with us because you want to, not because you’re locked in.
Experience Real Savings with Interchange Plus
Join thousands of merchants who’ve simplified their payment processing and lowered their costs with Host Merchant Services. Get a custom rate quote today and see how much you can save — instantly and transparently.
Frequently Asked Questions
Is HMS PCI compliant?
Yes, all HMS systems meet PCI security standards for safe transactions.
Does HMS support recurring or subscription payments?
Yes, HMS can process recurring payments for memberships, classes, or services.
Are there hidden fees with HMS?
No, HMS uses transparent interchange-plus pricing with no long-term contracts.
Can I get next-day funding with HMS?
Yes, deposits typically arrive in your account the next business day.
What is the average interchange fee in the U.S.?
In the U.S., the average interchange fee is about 1.81%. In-person payments average 1.71%, while online transactions are higher at 1.91% due to greater fraud risk.
Who earns money from interchange fees?
The card-issuing bank receives the interchange fee
Can interchange rates be negotiated?
Not directly—these rates are set by the card networks. HMS offers transparent pricing and low markups.
Who sets interchange rates?
Visa, Mastercard, and other card networks establish the rates.
How do you explain interchange rates?
They are the base fee paid to card issuers for processing a card transaction.
How are interchange rates calculated?
Rates depend on card type, transaction type, and merchant category.
How much do card issuers make on the interchange?
It varies but can be a few cents to several dollars per transaction, depending on the card.
What is an example of an interchange rate?
A standard consumer Visa card might have a rate of 1.51% + $0.10 per transaction.
What is the difference between the merchant discount rate and interchange fee?
The merchant discount rate includes the interchange fee plus HMS’s markup and network fees.