Our fees
It's our members that pay fees to Visa, not
cardholders or retailers. These fees generally reflect the extent
to which each member uses our products and services.
We use a sliding scale, so cost per unit falls as transaction
volume increases. The main fees are:
Card service fees: determined by the number of
cards issued and the extent to which they are used.
Data processing fees: determined by each
member's connections to the VisaNet processing system and the
extent to which the system is used.
Multi-currency fees: determined by the extent
to which European Visa cards are used outside the Visa Europe
region.
Interchange
Interchange is the fee typically paid by the retailer's bank to
the cardholder's bank every time a Visa card is used.
For credit cards, the fee is generally a small percentage of the
value of the transaction; for debit cards, it is usually a small
flat fee. Interchange fee levels also vary depending on the type of
card, its associated risk, and the country where the transaction
takes place.
Interchange fees lower overall costs by helping banks to share
the costs of issuing Visa cards and signing up retailers to accept
Visa.
Intra Visa Europe interchange fees - European Economic Area
(EEA)
Rates applicable to Visa Europe transactions where both the Card
is issued and the Merchant Outlet is located within the European
Economic Area.
EEA
interchange fees (PDF)
Intra Visa Europe interchange fees - non-EEA
Rates applicable to Visa Europe Transactions where either or
both the Card is issued and/or the Merchant Outlet is located
within the Visa Europe Territory but outside the European Economic
Area.
Non-EEA
interchange fees (PDF)
Interchange fees by country
Select a country below to view the relevant interchange
reimbursement fees: