The Interchange Fee Regulation caps interchange fees on EEA domestic and EEA cross-border consumer debit and credit transactions, whilst the UK’s version of the Regulation caps interchange fees only on UK domestic consumer debit and credit transactions. We set interchange fees on these transactions in compliance with the Interchange Fee Regulation. Where not regulated, we set interchange rates based on:
Setting interchange at the right level is important. Too high, retailers may choose not to accept cards. Too low, issuing banks have no incentive to cover the risks of issuing payment cards. The optimum level also helps ensure issuers and acquirers deliver effective services, and spur innovations in payment solutions.
Interchange rates let electronic payments deliver maximum value at the lowest cost for retailers and consumers, and promotes credit availability for small businesses – driving financial inclusion.
The Mastercard EEA subregion includes all of the following:
The Member States of the European Union: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Cyprus, Denmark, Estonia, Finland (including Aland Islands), France (including French Guiana, Guadeloupe, Martinique, Réunion, Saint Martin [French Part], and Mayotte), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal (including Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including Canary Islands, Ceuta, Melilla), and Sweden, Iceland, Liechtenstein, Norway (including Svalbard and Jan Mayen), United Kingdom (including Gibraltar).
These rates are limited to EU locations only and Norway, until they are adopted in Iceland and Liechtenstein. Mastercard reserves the right to change the below rates at any time.
Any changes will be published promptly on this website.
(below table is a compilation of detailed information reported in the European Interchange Manual in date of December 9th 2015. In case of discrepancy, the European Interchange Manual prevails)
The following table shows the associated requirements for each of the interchange tiers
(*)Timeliness: Days between the presentation of the clearing record to Mastercard and the transaction date
(below table is a compilation of detailed information reported in the European Interchange Manual in date of December 9th 2015. In case of discrepancy, the European Interchange Manual prevails)
(*) Applicable only through the use of Mastercard SecureCode® via Universal Cardholder Authentication Field (UCAF) authentication
(**) Applicable to transactions over 3,000 €. The enriched data incentive is not applicable
(***) Applicable to transactions over 10,000 €. The enriched data incentive is not applicable
(****) If the acquirer meets the requirements and provides the required additional data, Mastercard will calculate the fee amount by deducting the incentive rate from the applicable interchange. Incentive not applicable to PayPass, Large Ticket Level 1 and Large Ticket Level 2
The following table shows the associated requirements for each of the interchange tiers
(*)Timeliness: Days between the presentation of the clearing record to Mastercard and the transaction date
(below table is a compilation of detailed information reported in the European Interchange Manual in date of December 9th 2015. In case of discrepancy, the European Interchange Manual prevails)
The following table shows the associated requirements for each of the interchange tiers
(*)Timeliness: Days between the presentation of the clearing record to Mastercard and the transaction date
The following table shows the associated requirements for each of the interchange tiers
(*)Timeliness: Days between the presentation of the clearing record to Mastercard and the transaction date