Card scheme fees, published in full.
Visa and Mastercard charge these fees on every transaction — every provider pays them. With Paybyrd they're passed through at cost: no markup, no rounding, no blending. Here's the schedule.
If your provider can't show you this table, ask what their blended rate is hiding.
Scheme fees are one disclosed slice of the total — the slice this page publishes in full.
Illustrative split for a typical EEA transaction — most of the cost is pass-through; the exact mix varies by card type, region and merchant.
paid to the card issuer — largely regulated & public
paid to Visa / Mastercard — the schedule below, passed through at cost
our transparent per-transaction rate
Scheme fees, region by region
Pick your outlet region. The all-in view shows the averages we actually bill; expand any scheme to see the itemized price-list charges that compose them.
Europe — EEA outlets
Settled in EUR| Scenario | Mastercard | Mastercard Debit | Visa | V PAY / Visa Debit | Discover / Diners | UnionPay |
|---|---|---|---|---|---|---|
| Authenticated (3-DS or network token) EEA-issued; interchange-regulated segment. | 0.126% + €0.045 | 0.121% + €0.045 | 0.113% + €0.035 | 0.116% + €0.035 | · | · |
| Non-authenticated EEA-issued; no 3-DS (SCA exemptions, MIT). | 0.204% + €0.061 | 0.200% + €0.045 | 0.190% + €0.034 | 0.186% + €0.036 | · | · |
| Non-authenticated, non-tokenised credential Stored credential without token and without 3-DS. | 0.356% (flat) | 0.346% (flat) | 0.257% + €0.019 | 0.252% + €0.019 | · | · |
| Intra non-EEA issued — all-in UK, CH & other European non-EEA issued at EEA outlet. | 0.403% + €0.052 | 0.376% + €0.052 | 0.577% + €0.046 | 0.438% + €0.082 | · | · |
| Interregional issued — all-in Issued outside the Europe region. | 1.306% + €0.169 | 1.292% + €0.177 | 1.303% + €0.144 | 1.260% + €0.173 | 0.680% | 0.430% |
| Commercial / corporate cards Same schedule as consumer on the scheme-fee line (commercial differential sits in interchange; MC uplift absorbed). | as consumer | as consumer | as consumer | as consumer | as cons. | — |
| Refunds No scheme fee billed on refund items (4,888 items verified). | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| Chargebacks / reversals No scheme fee via settlement; dispute handling billed separately. | — | — | — | — | — | — |
Indicative rates, not a quote. These figures are derived from observed Paybyrd transaction samples for the period stated, and show scheme fees as we pass them through: at cost, with no markup. Your actual blended scheme cost depends on your card mix, transaction sizes, authentication rates, and cross-border share. Contractual rates are defined solely by your merchant agreement. Interchange is separate and not included. Card schemes revise fees in January, July, and October; this schedule is effective 1 July 2026 and will be updated accordingly.
Show the full Mastercard itemization 26 line items
| Scheme fee item | credit · Domestic | credit · Intra-EEA | credit · Inter | debit · Domestic | debit · Intra-EEA | debit · Inter |
|---|---|---|---|---|---|---|
| MC Acquirer Volume Fee (Consumer) Rates revised as of 01/07/2026. | 0.0460% | 0.0460% | 0.0460% | 0.0460% | 0.0460% | 0.0460% |
| MC Acquirer Volume Fee (Commercial uplift) cond. Published +0.0300% on commercial products — currently absorbed in the blended all-in billing (no separate uplift is charged; see Methodology). | +0.0300% | +0.0300% | +0.0300% | +0.0300% | +0.0300% | +0.0300% |
| MC Clearing Acquirer POS — LVP ≤ €10.00 cond. Low-value transaction tier. | €0.0001 | €0.0005 | €0.0015 | €0.0001 | €0.0005 | €0.0015 |
| MC Clearing Acquirer POS — Standard > €10.00 Per cleared transaction. | €0.0031 | €0.0035 | €0.0150 | €0.0031 | €0.0035 | €0.0150 |
| MC Acquirer Authorisation Fee — LVP ≤ €10.00 cond. Low-value transaction tier. | €0.0001 | €0.0005 | €0.0015 | €0.0001 | €0.0005 | €0.0015 |
| MC Acquirer Authorisation Fee — Standard > €10.00 Per authorisation request. Rates revised from 01/07/2026. | €0.0060 | €0.0078 | €0.0100 | €0.0060 | €0.0078 | €0.0100 |
| MC Non-Trx Based Card Scheme Fee Volume-based allocation of non-transaction scheme invoices. Rates revised from 01/07/2026. | 0.0220% | 0.0220% | 0.0220% | 0.0220% | 0.0220% | 0.0220% |
| MC Market Development Fund | 0.0075% | 0.0075% | 0.0075% | 0.0075% | 0.0075% | 0.0075% |
| MC Innovation Fund | 0.0060% | 0.0060% | 0.0060% | 0.0060% | 0.0060% | 0.0060% |
| MC Acquirer Card-Not-Present Fee E-commerce / CNP transactions. | 0.0250% | 0.0250% | 0.1500% | 0.0250% | 0.0250% | 0.1500% |
| MC EMV 3-DS Authentication Fee cond. 3-DS (EMV 3DS2) cardholder-initiated authentications, incl. MDES-authenticated tokens. Approved authentications: 0.018% (max €1.80). Rates revised as of 01/07/2026. | 0.0155% (max €0.155) | 0.0155% (max €0.155) | 0.0310% (max €0.31) | 0.0155% (max €0.155) | 0.0155% (max €0.155) | 0.0310% (max €0.31) |
| MC EMV 3-DS Authentication Fee — Recurring cond. Merchant-initiated recurring authentications. Approved: 0.006% (max €0.60). | 0.0050% (max €0.05) | 0.0050% (max €0.05) | 0.0100% (max €0.10) | 0.0050% (max €0.05) | 0.0050% (max €0.05) | 0.0100% (max €0.10) |
| MC Acquirer Cross-Border Fee (Consumer) cond. Excludes intra-Europe EUR transactions where merchant and issuer country are both in the extended Eurozone. | — | 0.1200% | 0.7500% | — | 0.1200% | 0.7500% |
| MC Acquirer Cross-Border Fee (Commercial) cond. Same exclusion as consumer line. | — | 0.1700% | 0.7500% | — | 0.1700% | 0.7500% |
| MC APD — No Authentication cond. Acquirer Performance Development: non-secure CNP transactions (no 3-DS). | 0.0600% | 0.0600% | 0.0600% | 0.0600% | 0.0600% | 0.0600% |
| MC APD — Not-tokenised Credential-on-File cond. Credential-on-file transactions without a network (MDES) token. | 0.0500% | 0.0500% | 0.0500% | 0.0500% | 0.0500% | 0.0500% |
| MC Token Validation & Lifecycle (CNP) cond. CNP transactions processed with MDES tokens. | 0.0200% | 0.0200% | 0.1000% | 0.0200% | 0.0200% | 0.1000% |
| MC Address Verification Service (AVS) cond. Non-secure authorisation requests carrying AVS data. | €0.0100 | €0.0100 | €0.0100 | €0.0100 | €0.0100 | €0.0100 |
| MC CVC2 Fee cond. Non-secure e-com / MOTO with CVC2. | €0.0025 | €0.0025 | €0.0025 | €0.0025 | €0.0025 | €0.0025 |
| MC Exemption Indicator Fee cond. Billable SCA exemption indicators (TRA / low-value / SCA delegation). | €0.0200 | €0.0200 | €0.0200 | €0.0200 | €0.0200 | €0.0200 |
| MC Acquirer MOTO Fee cond. Mail order / telephone order CNP. | 0.0250% | 0.0250% | 0.0500% | 0.0250% | 0.0250% | 0.0500% |
| MC Non-EMV / Non-Contactless Acquirer Fee cond. Card-present on non-EMV / non-contactless terminals only. | 0.0400% | 0.0400% | 0.0400% | 0.0400% | 0.0400% | 0.0400% |
| MC PreAuthorisation Fee cond. Pre-authorisations; charged instead of the Acquirer Authorisation Fee. | 0.0500% | 0.0500% | 0.0500% | 0.0500% | 0.0500% | 0.0500% |
| MC Authorisation Integrity Fee cond. Non-compliant final authorisations only. | 0.2800% | 0.2800% | 0.2800% | 0.2800% | 0.2800% | 0.2800% |
| MC Non-Local Currency Fee cond. Transactions settled in a currency other than the merchant-country currency. | 0.1000% | 0.1000% | 0.1000% | 0.1000% | 0.1000% | 0.1000% |
| MC Global Wholesale Travel Program (GWTTP) cond. GWTTP transactions; applies instead of authorisation, clearing & settlement and cross-border items. | 0.7500% | 0.7500% | 0.7500% | 0.7500% | 0.7500% | 0.7500% |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
Show the full Visa itemization 23 line items
| Scheme fee item | credit · Domestic | credit · Intra-EEA | credit · Inter | debit · Domestic | debit · Intra-EEA | debit · Inter |
|---|---|---|---|---|---|---|
| Visa Acquirer Authorization Fee Per authorisation request. | €0.0032 | €0.0068 | €0.0425 | €0.0032 | €0.0068 | €0.0425 |
| Visa Acquirer Clearing & Settlement Fee Per cleared transaction. | €0.0050 | €0.0100 | €0.0650 | €0.0050 | €0.0100 | €0.0650 |
| Visa Non-Trx Based Card Scheme Fee Volume-based allocation. Rates revised from 01/07/2026. | 0.0074% | 0.0074% | 0.0074% | 0.0023% | 0.0023% | 0.0023% |
| Visa Acquirer Card-Not-Present Service Fee CNP transactions only. | 0.0330% | 0.0330% | 0.0330% | 0.0280% | 0.0280% | 0.0280% |
| Visa Acquirer Card-Present Service Fee cond. F2F transactions only. | 0.0290% | 0.0290% | 0.0290% | 0.0250% | 0.0250% | 0.0250% |
| Visa Innovation & Market Development Fee | 0.0025% | 0.0025% | 0.0025% | 0.0025% | 0.0025% | 0.0025% |
| Visa Cyber Threat Protection Fee Per transaction (USD-denominated). | $0.0005 | $0.0005 | $0.0005 | $0.0005 | $0.0005 | $0.0005 |
| Visa Secure Fee (CIT, with data quality) cond. Cardholder-initiated, data-quality mandate met. | €0.0250 | €0.0250 | €0.0300 | €0.0250 | €0.0250 | €0.0300 |
| Visa Secure Fee (CIT, without data quality) cond. Cardholder-initiated, mandate not met. | €0.0300 | €0.0300 | €0.0400 | €0.0300 | €0.0300 | €0.0400 |
| Visa Secure Fee (MIT, with data quality) cond. Merchant-initiated. | €0.0020 | €0.0020 | €0.0020 | €0.0020 | €0.0020 | €0.0020 |
| Visa Secure Fee (MIT, without data quality) cond. Merchant-initiated. | €0.0030 | €0.0030 | €0.0030 | €0.0030 | €0.0030 | €0.0030 |
| Visa Secure Credential CNP Fee cond. CNP transactions neither 3-DS authenticated nor tokenised. | 0.0750% | 0.0750% | 0.0750% | 0.0750% | 0.0750% | 0.0750% |
| VTS Acquirer Authentication Facilitation Fee cond. Non-authenticated e-commerce tokenised transactions. | €0.0200 | €0.0200 | €0.0200 | €0.0200 | €0.0200 | €0.0200 |
| Visa Token Facilitation Fee (CNP) cond. CNP transactions processed with a Visa (VTS) token. | 0.05% (max $1.25) | 0.05% (max $1.25) | 0.08% (max $2.00) | 0.05% (max $1.25) | 0.05% (max $1.25) | 0.08% (max $2.00) |
| Visa Estimated & Incremental Authorization Fee cond. Estimated / incremental authorisations; additive to the Authorization Fee. | 0.0200% | 0.0200% | 0.0200% | 0.0200% | 0.0200% | 0.0200% |
| Visa Processing Integrity Fee cond. Cleared transactions that cannot be matched to an authorisation. | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 | $0.05 |
| Visa Reversal Fee cond. Reversals processed on the Visa network. | €0.2712 | €0.2712 | €0.2712 | €0.2712 | €0.2712 | €0.2712 |
| Visa Card Verification Value (CVV2) Fee cond. CVV2 verification yielding a match / no-match result. | $0.0025 | $0.0025 | $0.0025 | $0.0025 | $0.0025 | $0.0025 |
| Visa Non-Domestic Settlement Currency Volume Fee cond. Settlement currency differs from the merchant-country currency. Revised 01/04/2026; further announced increases from 01/04/2027 and 01/04/2028 (0.15%). | 0.10% (0.15%) | 0.10% (0.15%) | 0.10% (0.15%) | 0.10% (0.15%) | 0.10% (0.15%) | 0.10% (0.15%) |
| Visa International Acquiring Fee (F2F & CNP) cond. Interregional-issued cards. | — | — | 0.4500% | — | — | 0.4500% |
| Visa International Card-Not-Present Fee cond. Interregional-issued cards, CNP only. | — | — | 0.5500% | — | — | 0.5500% |
| Visa International Acquiring (UK-issued, F2F & CNP) cond. Intra non-EEA corridor: replaces the 0.45% item for UK-issued cards. | — | — | 0.1000% | — | — | 0.1000% |
| Visa International Acquiring (UK-issued, CNP only) cond. Intra non-EEA corridor: replaces the 0.55% item for UK-issued cards. | — | — | 0.1500% | — | — | 0.1500% |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
Show the full Discover / Diners itemization 1 line items
| Scheme fee item | Inter (flat) |
|---|---|
| Discover / Diners international bundle Discover Global Network international processing & assessment; billed as a single flat rate. | 0.6800% |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
Show the full UnionPay itemization 1 line items
| Scheme fee item | Inter (flat) |
|---|---|
| UnionPay international bundle UnionPay International acquiring assessment; billed as a single flat rate. | 0.4300% |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
† 'Inter' column: interregional-issued cards; intra non-EEA (UK/CH) corridor rows replace the interregional acquiring items as remarked. Other EEA settlement currencies (NOK/DKK/SEK): EEA schedule applies (observed all-in 0.13–0.15% authenticated).
United Kingdom — UK outlets
Settled in GBP| Scenario | Mastercard | Mastercard Debit | Visa | V PAY / Visa Debit | Discover / Diners | UnionPay |
|---|---|---|---|---|---|---|
| Authenticated (3-DS or network token) UK-issued at UK outlet. | 0.132% + £0.055 | 0.136% + £0.034 | 0.105% + £0.036 | 0.100% + £0.039 | · | · |
| Non-authenticated UK-issued; no 3-DS. | 0.343% (flat) | 0.341% (flat) | 0.249% (flat) | 0.240% (flat) | · | · |
| European-issued at UK outlet — all-in EEA / European non-UK issued. | 0.246% + £0.050 | 0.242% (flat) | 0.586% + £0.103 | 0.457% + £0.067 | · | · |
| Interregional issued — all-in Issued outside the Europe region. | 1.248% + £0.215 | 1.237% + £0.254 | 1.297% + £0.117 | 1.269% + £0.152 | 0.680% | 0.430% |
| Refunds / chargebacks As Europe. | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 |
Indicative rates, not a quote. These figures are derived from observed Paybyrd transaction samples for the period stated, and show scheme fees as we pass them through: at cost, with no markup. Your actual blended scheme cost depends on your card mix, transaction sizes, authentication rates, and cross-border share. Contractual rates are defined solely by your merchant agreement. Interchange is separate and not included. Card schemes revise fees in January, July, and October; this schedule is effective 1 July 2026 and will be updated accordingly.
Show the full Mastercard itemization 2 line items
| Scheme fee item | UK Dom. | EU-issued | Inter | (debit) UK Dom. | EU-issued | Inter |
|---|---|---|---|---|---|---|
| MC Acquirer Volume Fee / per-item charges UK domestic price list; same item anatomy as the EEA schedule (volume, clearing, authorisation, non-trx allocation, CNP, 3-DS, APD, token items) at UK levels — see Bundle Composition. | UK list | UK list | UK list | UK list | UK list | UK list |
| MC Acquirer Cross-Border Fee cond. EEA-issued at UK outlet: intra level; interregional: inter level. | — | 0.1200% | 0.7500% | — | 0.1200% | 0.7500% |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
Show the full Visa itemization 3 line items
| Scheme fee item | UK Dom. | EU-issued | Inter | (debit) UK Dom. | EU-issued | Inter |
|---|---|---|---|---|---|---|
| Visa Acquirer Authorization / Clearing & Settlement Per-item charges at UK levels. | £0.003–0.005 | £0.006–0.010 | £0.036–0.055 | £0.003–0.005 | £0.006–0.010 | £0.036–0.055 |
| Visa International Acquiring (EU-issued at UK outlet) cond. Post-Brexit corridor: reduced international acquiring items. | — | 0.10% + 0.15% | — | — | 0.10% + 0.15% | — |
| Visa International Acquiring + International CNP cond. Interregional-issued cards. | — | — | 0.45% + 0.55% | — | — | 0.45% + 0.55% |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
United States — US outlets
Settled in USD| Scenario | Mastercard (all products) | Visa (all products) | Discover |
|---|---|---|---|
| US Domestic issued — all card products Flat blend; fixed component regresses to ≈$0.00 on the observed ticket mix (credit & debit, consumer & commercial). | 0.227% (flat) | 0.212% (flat) | 0.219% (flat) |
| European-issued at US outlet — all-in Reduced corridor. | 0.412% (flat) | 0.482% (flat) | — |
| International Tier 1 — single-currency Cardholder billed in USD. | 1.323% + $0.129 | 1.260% + $0.168 | — |
| International Tier 2 — multi-currency & select regions Cardholder billed in another currency. | 1.832% (flat) | 1.819% (flat) | — |
| Refunds / chargebacks As Europe. | $0.00 | $0.00 | $0.00 |
Indicative rates, not a quote. These figures are derived from observed Paybyrd transaction samples for the period stated, and show scheme fees as we pass them through: at cost, with no markup. Your actual blended scheme cost depends on your card mix, transaction sizes, authentication rates, and cross-border share. Contractual rates are defined solely by your merchant agreement. Interchange is separate and not included. Card schemes revise fees in January, July, and October; this schedule is effective 1 July 2026 and will be updated accordingly.
Show the full Mastercard / Visa / Discover — assessments & switch fees itemization 6 line items
| Scheme fee item | MC · US Dom. | MC · EU | MC · Intl | Visa · US Dom. | Visa · EU | Visa · Intl | Discover · US Dom. | · | Discover · Intl |
|---|---|---|---|---|---|---|---|---|---|
| Network assessment on gross volume Charged on all settled volume. | 0.130% | 0.130% | 0.130% | 0.130% | 0.130% | 0.130% | 0.130% | · | 0.130% |
| Per-authorisation switch fees (APF / NABU / data usage) Per item; credit and debit levels differ by a few tenths of a cent. | $0.0195–0.0205 | same | same | $0.0155–0.0195 | same | same | $0.0185–0.0195 | · | same |
| Fixed network participation allocation (FANF-type) Monthly fixed network invoices allocated to volume. | ≈0.05–0.06% | · | · | ≈0.05–0.06% | · | · | ≈0.05% | · | · |
| Visa ISA — International Service Assessment cond. Single-currency 0.80% / multi-currency 1.20% (drives Tier 1 vs Tier 2). | · | · | · | — | reduced | 0.80% / 1.20% | · | · | · |
| Visa IAF — International Acquiring Fee cond. 0.90% for select regions. | · | · | · | — | reduced | 0.45% / 0.90% | · | · | · |
| MC Cross-border assessment + Acquirer Program Support cond. Program support applies on multi-currency / select corridors. | — | reduced | 0.60% + 0.85% | · | · | · | · | · | · |
cond. = conditional item, applies only in specific scenarios (authentication state, corridor, card-present, etc.).
Switzerland — CH outlets
Settled in CHF · indicative, low volume| Scenario | Mastercard | Mastercard Debit | Visa | V PAY / Visa Debit |
|---|---|---|---|---|
| CH Domestic issued — all card products Swiss-issued at CH outlet. | 0.138% + CHF 0.052 | 0.138% + CHF 0.052 | 0.106% + CHF 0.038 | 0.106% + CHF 0.038 |
| CH — European-issued (indicative, n<40) EEA / UK issued at CH outlet. | ≈ 0.42% | ≈ 0.42% | ≈ 0.42% | ≈ 0.42% |
Indicative rates, not a quote. These figures are derived from observed Paybyrd transaction samples for the period stated, and show scheme fees as we pass them through: at cost, with no markup. Your actual blended scheme cost depends on your card mix, transaction sizes, authentication rates, and cross-border share. Contractual rates are defined solely by your merchant agreement. Interchange is separate and not included. Card schemes revise fees in January, July, and October; this schedule is effective 1 July 2026 and will be updated accordingly.
Canada — CA outlets
Settled in CAD · indicative, low volume| Scenario | Mastercard | Mastercard Debit | Visa | V PAY / Visa Debit |
|---|---|---|---|---|
| CA Domestic issued — all card products Canadian-issued at CA outlet. | 0.176% + C$0.047 | 0.176% + C$0.047 | 0.126% + C$0.027 | 0.126% + C$0.027 |
| CA — Interregional (indicative, n<20) Non-Canadian issued at CA outlet. | ≈ 1.30% | ≈ 1.30% | ≈ 1.30% | ≈ 1.30% |
Indicative rates, not a quote. These figures are derived from observed Paybyrd transaction samples for the period stated, and show scheme fees as we pass them through: at cost, with no markup. Your actual blended scheme cost depends on your card mix, transaction sizes, authentication rates, and cross-border share. Contractual rates are defined solely by your merchant agreement. Interchange is separate and not included. Card schemes revise fees in January, July, and October; this schedule is effective 1 July 2026 and will be updated accordingly.
How this schedule is built
Scheme fees are passed through at cost as a bundled per-transaction amount. The itemized rows show the scheme price-list charges that compose each bundle; the bundled all-in rows show the averages actually billed, derived from observed Paybyrd transaction samples per region. Individual transactions can deviate by a few cents or basis points where variable per-item charges apply. Interchange is separate. Scheme price lists are revised during the year (January / July / October cycles).
The obvious questions, answered
Will my blended rate match these numbers?
Not exactly. These are indicative averages from observed samples. Your own blend is driven by your card mix, average ticket size, authentication (3-DS) rate, and how much of your volume is cross-border. Use the pricing calculator for an estimate against your profile.
Why do non-authenticated transactions cost more?
The card schemes price in incentives for Strong Customer Authentication (3-DS) and tokenization. Non-authenticated, non-tokenised transactions carry higher scheme fees. Optimising your 3-DS and token coverage directly lowers this line — something we help you tune.
Is interchange included in these figures?
No. Interchange (paid to the card issuer) is a separate component and is largely regulated and public in the EEA and UK. This schedule covers only the scheme fees — the portion paid to Visa and Mastercard — which we pass through at cost.
Why do these rates change?
The card schemes revise their fee schedules on Jan / Jul / Oct cycles. This schedule is effective 1 July 2026. Subscribe below to be notified when the next revision lands.
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Visa, Mastercard, Discover, Diners Club and UnionPay are trademarks of their respective owners. Rates shown are Paybyrd's indicative pass-through cost and are not reproductions of any scheme fee schedule.