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Interchange fee levels

Visa Europe interchange reimbursement fees

These are charged on transactions when a card issued by a Visa Europe member bank is used in another Visa Europe country (visit our who we are page for a list of countries).

Visa Consumer cards

Interchange fees	Credit & Deferred Debit	Immediate Debit
Contactless Low Value Payment 1	0.50%	€ 0.06
EMV Chip	0.50%	€ 0.15
Electronic Authorised (EA)	0.60%	€ 0.16
Electronic Data Capture (EDC)	0.70%	€ 0.22
Secure Electronic Commerce	0.50%	€ 0.15
Card Not Present - CVV2	0.60%	€ 0.16
Recurring Transaction	0.60%	€ 0.16
Card Not Present (CNP)	0.70%	€ 0.22
Standard / Non-Electronic	0.75%	€ 0.22
Airline 2	0.75%	n/a

¹ Transaction value below or equal to € 20.00.
² Consumer Airline transactions are eligible for all other Consumer incentive fees if they meet the qualification criteria.

Visa Commercial cards

Interchange fees	Credit & Deferred Debit3	Immediate Debit
Business - EMV Chip	1.30%	€ 0.60
Business - Electronic Authorised (EA)	1.40%	€ 0.60
Business - Standard	1.45%	€ 0.60
Corporate / Purchasing - EMV Chip	1.35%	n/a
Corporate / Purchasing - Electronic Authorised (EA)	1.45%	n/a
Corporate / Purchasing - Standard	1.50%	n/a

³ Transactions submitted with specific additional data are eligible to an incentive of € 0.50, payable by issuer to acquirer on sales transactions.

V PAY cards

Interchange fees	Credit & Deferred Debit	Immediate Debit
V PAY - Contactless Low Value Payment 4	n/a	€ 0.06
V PAY - EMV	n/a	€ 0.15
V PAY - Electronic Commerce	n/a	€ 0.15

⁴ Transaction value below or equal to € 15.00.

Interchange reimbursement fees by country