Interchange
SPRING 2010*
PAYMENT BRANDS INTERCHANGE
COMPLIANCE GUIDE
*Updated 03/22/10
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TABLE OF CONTENTS
CPS RETAIL = 1.54% + $.10 ............................................................................................................................................................ 10 CPS RETAIL DEBIT = 0.95% + $.20 ............................................................................................................................................... 10
CPS RETAIL 2 = 1.43% + $.05 ......................................................................................................................................................... 10
CPS RETAIL 2 DEBIT = 0.80% + $.25 ............................................................................................................................................ 10
CPS RETAIL KEY ENTRY = 1.80% + $.10 (Retail / T&E MCCs Only) ......................................................................................... 11
CPS RETAIL KEY ENTRY DEBIT = 1.60% + $.15 (Retail / T&E MCCs Only) ............................................................................ 11
CPS SUPERMARKET = 1.24% + $.05 ............................................................................................................................................. 11 CPS SUPERMARKET DEBIT = 0.95% + $.20 ................................................................................................................................ 11
CPS SUPERMARKET DEBIT CAP = 0.00% + $.35 ........................................................................................................................ 11
CPS RESTAURANT = 1.54% + $.10 ................................................................................................................................................ 11
CPS RESTAURANT DEBIT = 1.19% + $.10 ................................................................................................................................... 11
CPS RETAIL SERVICE STATION = 1.15% + $.25 ......................................................................................................................... 12 CPS RETAIL SERVICE STATION DEBIT = 0.75% + $.17 ............................................................................................................. 12
CPS RETAIL SERVICE STATION DEBIT CAP = 0.00% + $.95 .................................................................................................... 12
CPS AUTOMATED FUEL DISPENSER = 1.15% + $.25 ................................................................................................................. 12 CPS AUTOMATED FUEL DISPENSER DEBIT = 0.75% + $.17 .................................................................................................... 12
CPS AUTOMATED FUEL DISPENSER DEBIT CAP = 0.00% + $.95 ........................................................................................... 12
CPS CARD NOT PRESENT = 1.80% + $.10 ................................................................................................................................... 12
CPS CARD NOT PRESENT DEBIT = 1.60% + $.15 ........................................................................................................................ 12
CPS REWARDS 1 = 1.65% + $.10 ................................................................................................................................................... 13
CPS REWARDS 2 = 1.95% + $.10 ................................................................................................................................................... 13
CPS ELECTRONIC COMMERCE (BASIC) = 1.80% + $.10 ........................................................................................................... 13
CPS ELECTRONIC COMMERCE (BASIC) DEBIT = 1.60% + $.15 .............................................................................................. 13
CPS ELECTRONIC COMMERCE (PREFERRED) = 1.80% + $.10 ................................................................................................ 14
CPS ELECTRONIC COMMERCE (PREFERRED) DEBIT = 1.55% + $.15 .................................................................................... 14
CPS ACCOUNT FUNDING = 2.14% + $.10 .................................................................................................................................... 14
CPS ACCOUNT FUNDING DEBIT = 1.75% + $.20 ........................................................................................................................ 14
CPS DEBIT TAX PAYMENT FEE = $2.50 ..................................................................................................................................... 15
CPS DEBIT TAX PAYMENT CONVENIENCE FEE = $0.00 ......................................................................................................... 15
CPS DEBT REPAYMENT FEE = 0.35% + $0.50 ............................................................................................................................. 15
CPS SMALL TICKET = 1.65%+ $.04 .............................................................................................................................................. 15
CPS SMALL TICKET DEBIT = 1.55%+ $.04 .................................................................................................................................. 15
CPS HOTEL CARD PRESENT = 1.54% + $.10 ............................................................................................................................... 16
CPS HOTEL CARD PRESENT DEBIT = 1.36% + $.15 ................................................................................................................... 16
CPS HOTEL CARD NOT PRESENT = 1.54% + $.10....................................................................................................................... 16
CPS HOTEL CARD NOT PRESENT DEBIT = 1.36% + $.15 .......................................................................................................... 16
CPS ELECTRONIC COMMERCE PREFERRED - HOTEL = 1.54% + $.10 ................................................................................... 16
CPS ELECTRONIC COMMERCE PREFERRED - HOTEL DEBIT = 1.36% + $.15 ...................................................................... 16
CPS AUTO RENTAL CARD PRESENT = 1.54% + $.10 ................................................................................................................. 17
CPS AUTO RENTAL CARD PRESENT DEBIT = 1.36% + $.15 .................................................................................................... 17
CPS AUTO RENTAL CARD NOT PRESENT = 1.54% + $.10 ........................................................................................................ 17
CPS AUTO RENTAL CARD NOT PRESENT DEBIT = 1.36% + $.15 ........................................................................................... 17
CPS ELECTRONIC COMMERCE PREFERRED – AUTO RENTAL = 1.54% + $.10 ................................................................... 17
CPS ELECTRONIC COMMERCE PREFERRED – AUTO RENTAL DEBIT = 1.36% + $.15 ....................................................... 17
CPS PASSENGER TRANSPORT = 1.70% + $.10 ............................................................................................................................ 18
CPS PASSENGER TRANSPORT DEBIT = 1.60% + $.15 ............................................................................................................... 18
CPS ELECTRONIC COMMERCE PREFERRED - PASSENGER TRANSPORT = 1.70% + $.10 ................................................. 18
CPS ELECTRONIC COMMERCE PREFERRED - PASS TRANSPORT DEBIT = 1.60% + $.15 ................................................. 18
UTILITY CREDIT FEE = $.75 ......................................................................................................................................................... 18
UTILITY DEBIT FEE = $.75 ............................................................................................................................................................ 18
ELECTRONIC INTERCHANGE REIMBURSMENT FEE (EIRF) CREDIT = 2.30% + $.10 ......................................................... 19
ELECTRONIC INTERCHANGE REIMBURSMENT FEE (EIRF) DEBIT = 1.75% + $.20............................................................ 19
SIGNATURE PREFERRED B2B = 2.10 + $0.10 .............................................................................................................................. 19
SIGNATURE PREFERRED CNP = 2.40% +$.10 ............................................................................................................................. 19
SIGNATURE PREFERRED RETAIL = 2.10% + $0.10 .................................................................................................................... 19
SIGNATURE PREFERRED FUEL = 1.15% + $0.25 ........................................................................................................................ 20
SIGNATURE PREFERRED ELECTRONIC and SIGNATURE PREFERRED STANDARD ......................................................... 20
SIGNATURE PREFERRED ELECTRONIC = 2.40% + $0.10 ......................................................................................................... 20
___________________________________________________________________________________________________________________
Spring Payment Brand Interchange Compliance - April 16, 2010
© 2001-2010 First Data Corporation. All Rights Reserved
Confidential and Proprietary to First Data – Do Not Distribute Outside of First Data
3
SIGNATURE PREFERRED STANDARD = 2.95% + $0.10 ............................................................................................................ 20
SIGNATURE CARD ELECTRONIC RATE = 2.30% + $.10 - ELIMINATED (Internal Only) ....................................................... 20
SIGNATURE CARD STANDARD = 2.70% + $.10 - ELIMINATED (Internal Only) ..................................................................... 20
STANDARD RATE = 2.70% + $.10 ................................................................................................................................................. 20
STANDARD DEBIT = 1.90% + $.25 ................................................................................................................................................ 20
CREDIT VOUCHER INTERCHANGE FEES .................................................................................................................................. 21
EXPRESS PAYMENT SERVICE = 2.00% + $.02 ELIMINATED (HISTORICAL PURPOSES ONLY) ..................................... 21
EXPRESS PAYMENT SERVICE DEBIT = 1.95% + $.02 ELIMINATED (HISTORICAL PURPOSES ONLY) ........................ 21
BUSINESS /PURCH CARD LEVEL II = 2.05% + $0.10 .................................................................................................................. 22
COMMERCIAL CARD LEVEL II =2.05% + $0.10 .......................................................................................................................... 22
PURCHASING CARD LEVEL III = 1.80% + $0.10 ......................................................................................................................... 22
PURCHASING CARD ELECTRONIC W//DATA = 2.65% + $0.10 ................................................................................................ 23
COMMERCIAL CARD - CARD NOT PRESENT (CNP) ................................................................................................................. 23
Business Card = 2.25% + $0.10 ......................................................................................................................................................... 23
Corporate Card = 2.20% +$0.10 ........................................................................................................................................................ 23
Purchasing Card = 2.55% + $0.10 ...................................................................................................................................................... 23
COMMERCIAL CARD RETAIL...................................................................................................................................................... 23
Business Card = 2.20% + $0.10 ......................................................................................................................................................... 23
Corporate Card = 2.10% + $0.10 ....................................................................................................................................................... 23
Purchasing Card = 2.30% + $0.10 ...................................................................................................................................................... 23
COMMERCIAL CARD B2B = 2.10% + $0.10 ................................................................................................................................. 24
Business Card = 2.10% + $0.10 ......................................................................................................................................................... 24
Corporate Card = 2.10% +$0.10 ........................................................................................................................................................ 24
Purchasing Card = 2.10% + $0.10 ...................................................................................................................................................... 24
COMMERCIAL CARD ELECTRONIC and COMMERCIAL CARD STANDARD = 2.95% + $0.10 ........................................... 24
Business Card Elec = 2.40% + $0.10 ................................................................................................................................................. 24
Corporate Card Elec = 2.25% + $0.10 ............................................................................................................................................... 24
Purchasing Card Elec = 2.65% + $0.10.............................................................................................................................................. 24
T&E COMMERCIAL CARD ELEC and T&E COMMERCIAL CARD STD= 2.95% + $0.10 ....................................................... 24
Business Card Elec = 2.40% + $0.10 ................................................................................................................................................. 24
Corporate Card Elec = 2.25% + $0.10 ............................................................................................................................................... 24
Purchasing Card Elec = 2.65% + $0.10.............................................................................................................................................. 24
GSA PURCHASING CARD LARGE TICKET = 1.20% + $39 ........................................................................................................ 25
GSA PURCHASING CARD LARGE TICKET 1 = 1.35% (ELIMINATED) ................................................................................... 25
GSA GOVERNMENT TO GOVERNMENT = 1.65% + $0.10 ......................................................................................................... 25
PURCHASING CARD LARGE TICKET FEE PROGRAM = .95% + $35 ....................................................................................... 26
UTILITY ............................................................................................................................................................................................ 26
Business Card = $1.50 ........................................................................................................................................................................ 26
Signature Business Card = $1.50 ....................................................................................................................................................... 26
VISA INTERREGIONAL INTERCHANGE PROGRAMS ........................................................................................................................ 27
INTERREGIONAL INFINITE/SIGNATURE = 2.25 %( US Location w/International Acquiring Fee .45%) .................................. 27
INTERREGIONAL BUSINESS/SIGNATURE BUSINESS/CORPORATE/PURCHASING/DISTRIBUTION = 2.25 %( US Location w/International Acquiring Fee .45%) .................................................................................................................................. 27
INTERREGIONAL ELECTRONIC/ELECTRON = 1.55 %( US Location w/International Acquiring Fee .45%)............................ 27
INTERREGIONAL ISSUER CHIP/ELECTRON = 1.65 %( US Location w/International Acquiring Fee .45%)............................. 27
INTERREGIONAL AIRLINE/ELECTRON = 1.55 %( US Location w/International Acquiring Fee .45%) .................................... 28
INTERREGIONAL SECURE ECOMMERCE/ELECTRON = 1.89 %( US Location w/International Acquiring Fee .45%) ........... 28
INTERREGIONAL ECOMMERCE MERCHANT/ELECTRON = 1.89 %( US Location w/International Acquiring Fee .45%) .... 28
INTERREGIONAL STANDARD/ELECTRON = 2.05 %( US Location w/International Acquiring Fee .45%) ............................... 28
VISA U.S. TERRITORY INTERCHANGE PROGRAMS ............................................................................................................................ 29
USVI ELECTRONIC = 1.10% .......................................................................................................................................................... 29
USVI CHIP FULL DATA = 1.00% ................................................................................................................................................... 29
USVI CHIP FULL DATA W/PIN = 0.95% ....................................................................................................................................... 29
USVI ACQUIRER CHIP = 1.00%..................................................................................................................................................... 29
USVI ISSUER CHIP = 1.20% ........................................................................................................................................................... 29
USVI AIRLINE CHIP FULL DATA W/PIN = 0.95% ....................................................................................................................... 30
USVI AIRLINE CHIP FULL DATA/USVI AIRLINE ACQUIRER CHIP = 1.00% ........................................................................ 30
USVI AIRLINE = 1.10% ................................................................................................................................................................... 30
USVI SECURE ECOMMERCE/USVI ECOMMERCE MERCHANT = 1.44% ............................................................................... 30
USVI STANDARD = 1.60% ............................................................................................................................................................. 30
___________________________________________________________________________________________________________________
Spring Payment Brand Interchange Compliance - April 16, 2010
© 2001-2010 First Data Corporation. All Rights Reserved
Confidential and Proprietary to First Data – Do Not Distribute Outside of First Data
4
USVI BUSINESS/CORPORATE/PURCHASING/DISTRIBUTION/SIGNATURE/INFINITE = 1.80% ........................................ 30
PR ELECTRONIC EMERGING SMALL TICKET (UTILITIES/DISC CLUBS) = 1.10% .............................................................. 31
PR ELECTRONIC EMERGING SMALL TICKET COMMERCIAL/PLATINUM (UTILITIES/DISC CLUBS) = 1.25% ............ 31
PR ELECTRONIC EMERGING SMALL TICKET SIGNATURE (UTILITIES/DISC CLUBS) = 1.28% ...................................... 31
PR ELECTRONIC EMERGING SMALL TICKET DB (UTILITIES/DISC CLUBS) = 1.05% ....................................................... 31
PR ELECTRONIC GAS STATION = 1.00% .................................................................................................................................... 31
PR ELECTRONIC GAS STATION COMMERCIAL/PLATINUM DB/CR = 1.15% ...................................................................... 31
PR ELECTRONIC GAS STATION SIGNATURE DB/CR = 1.18% ................................................................................................ 31
PR ELECTRONIC GAS STATION DB = 0.90% .............................................................................................................................. 31
PR ELECTRONIC RETAIL 1 = 1.35% ............................................................................................................................................ 31
PR ELECTRONIC RETAIL 1 DB = 1.30% ...................................................................................................................................... 31
PR ELECTRONIC RETAIL 1 COMMERCIAL/PLATINUM= 1.85% ............................................................................................. 31
PR ELECTRONIC RETAIL 1 SIGNATURE = 2.00% ...................................................................................................................... 31
PR ELECTRONIC RETAIL 2 = 1.30% ............................................................................................................................................ 32
PR ELECTRONIC RETAIL 2 DB = 1.25% ...................................................................................................................................... 32
PR ELECTRONIC RETAIL 2 COMMERCIAL/PLATINUM = 1.80% ............................................................................................ 32
PR ELECTRONIC RETAIL 2 SIGNATURE =1.90% ....................................................................................................................... 32
PR ELECTRONIC SUPERMARKET= 1.05% ................................................................................................................................. 32
PR ELECTRONIC SUPERMARKET DB = 1.00% ........................................................................................................................... 32
PR ELECTRONIC SUPERMARKET COMMERCIAL/PLATINUM = 1.18% ................................................................................ 32
PR ELECTRONIC SUPERMARKET SIGNATURE = 1.25% .......................................................................................................... 32
PR STANDARD = 1.65% .................................................................................................................................................................. 32
PR STANDARD DB = 1.65% ........................................................................................................................................................... 32
PR STANDARD COMMERCIAL/PLATINUM = 1.85% ................................................................................................................. 32
PR STANDARD SIGNATURE = 2.00% .......................................................................................................................................... 32
PR STANDARD CASH ADVANCE = .33% + $1.75........................................................................................................................ 32
AP DOMESTIC RECURRING = 1.00% ........................................................................................................................................... 32
AP DOMESTIC RECURRING COMMERCIAL= 1.00% ................................................................................................................. 32
AP DOMESTIC SMALL TICKET = 1.00% ..................................................................................................................................... 33
AP DOMESTIC SMALL TICKET COMMERCIAL= 1.85% ........................................................................................................... 33
AP DOMESTIC ACQUIRER CHIP = .90% ..................................................................................................................................... 33
AP DOMESTIC ISSUER CHIP = 1.10% .......................................................................................................................................... 33
AP DOMESTIC CHIP ONLINE = 1.00% ......................................................................................................................................... 33
AP DOMESTIC CHIP OFFLINE = 1.00% ....................................................................................................................................... 33
AP DOMESTIC ELECTRONIC CONSUMER = 1.00% ................................................................................................................... 33
AP DOMESTIC ELECTRONIC BUSINESS/CORPORATE/PURCHASING/DISTRIBUTION = 1.85% ...................................... 33
AP DOMESTIC STANDARD CONSUMER = 1.44% ...................................................................................................................... 34
AP DOMESTIC STANDARD BUSINESS/CORPORATE/PURCHASING/DISTRIBUTION = 1.85% ......................................... 34
AP REGIONAL AIRLINE CONSUMER/GOLD PREMIUM/INFINITE/PLATINUM/SIGNATURECR DB = 1.16% ................. 34
AP REGIONAL AIRLINE CORPORATE CR DB = 1.60%.............................................................................................................. 34
AP REGIONAL AIRLINE CORPORATE STANDARD CR DB = 1.80% ....................................................................................... 34
AP REGIONAL STANDARD SIGNATURE/INFINITE CR DB = 2.02% ....................................................................................... 34
AP REGIONAL STANDARD GOLD CR DB = 1.55% .................................................................................................................... 34
AP REGIONAL STANDARD CLASSIC/ELECTRON CR DB = 1.35% ......................................................................................... 34
AP REGIONAL STANDARD BUSINESS/CORPORATE/PURCHASING/DISTRIBUTION/PLATINUM CR DB = 1.85% ....... 34
AP REGIONAL AIR CHIP ACQ CLASSIC/ELECTRON/GOLD/PLATINUM/SIGNATURE/INFINITE CR DB= 1.16% .......... 34
AP REGIONAL CHIP ACQUIRER CLASSIC/ELECTRON CR DB= 1.12% ................................................................................. 35
AP REGIONAL CHIP ACQUIRER GOLD CR DB= 1.32% ............................................................................................................. 35
AP REGIONAL CHIP ACQUIRER PLATINUM CR DB= 1.75% ................................................................................................... 35
AP REGIONAL CHIP ACQUIRER SIGNATURE/INFINITE CR DB= 1.92% ............................................................................... 35
AP REGIONAL CHIP ISSUER CLASSIC/ELECTRON CR DB= 1.32% ........................................................................................ 35
AP REGIONAL CHIP ISSUER GOLD CR DB= 1.52% ................................................................................................................... 35
AP REGIONAL CHIP ISSUER PLATINUM CR DB= 1.95% .......................................................................................................... 35
AP REGIONAL CHIP ISSUER SIGNATURE/INFINITE CR DB= 2.12% ...................................................................................... 35
AP REGIONAL ECOMMERCE NON-AUTHENTICATED CLASSIC/ELECTRON CR DB= 1.22%........................................... 35
AP REGIONAL ECOMMERCE NON-AUTHENTICATED GOLD CR DB= 1.42% ...................................................................... 35
AP REGIONAL ECOMMERCE NON-AUTHENTICATED PLATINUM CR DB= 1.72% ............................................................ 35
AP REGIONAL ECOMMERCE NON-AUTHENTICATED SIGNATURE/INFINITE CR DB= 1.89% ........................................ 35
AP REGIONAL ECOMMERCE AUTHENTICATED SEC CLASSIC/ELECTRON CR DB= 1.35% ............................................ 35
AP REGIONAL ECOMMERCE AUTHENTICATED SEC GOLD CR DB= 1.55% ....
