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Common
CNP
MasterCard� Consumer Sales Interchange Programs
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Effective
April 2009
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MasterCard
Interchange Transactions
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Program
Qualifier
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Credit
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Debit
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%
Fee
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# Fee
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%
Fee
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# Fee
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Service
Industries
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All
Cards
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1.15%
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$
0.05
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1.15%
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$
0.05
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Merit
1 Real Estate
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All
Other Cards
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1.10%
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1.10%
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Elite
/ High
Value
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2.20%
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$
0.10
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Merit
1 Insurance
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All
Cards
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1.43%
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$
0.05
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Merit
I
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Core
Value
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1.89%
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$
0.10
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1.64%
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$
0.16
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Enhanced
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2.04%
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$
0.10
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World
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2.05%
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$
0.10
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Elite
/ High
Value
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2.50%
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$
0.10
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Public
Sector
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All
Credit
Cards
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1.55%
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$
0.10
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Emerging
Markets
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Debit
Only
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0.80%
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$
0.25
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Utilities
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Elite
/ High
Value
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$
0.75
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All
Other Cards
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$
0.65
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$
0.45
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Consumer
Standard
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Core
Value
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2.95%
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$
0.10
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1.90%
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$
0.25
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World
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2.95%
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$
0.10
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Enhanced
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Elite
/ High
Value
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3.25%
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$
0.10
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Merchants
should attempt to qualify for the programs highlighted in green, and
avoid
the programs in red. Because of the relatively high per-sale
transaction fee,
the attractiveness of the program in pink will be based on the Average
Ticket Value (ATV) of the item the merchant is selling.
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MasterCard�
Refund
("Credit") Transactions
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MasterCard
Interchange Program
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Program
Qualifier
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Credit
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Debit
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%
Fee
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# Fee
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%
Fee
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# Fee
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Refund
Group 1
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Consumer
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1.72%
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Refund
Group 2
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Consumer
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2.09%
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Refund
Group 1 (Utilities)
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Commercial
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2.37%
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Refund
Group 3 (Mail Order)
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Commercial
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2.21%
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