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European interchange country rates

The Interchange Fee Regulation caps interchange fees on EEA domestic and EEA cross-border 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.

Mastercard intra-EEA fallback POS interchange fees

The Mastercard Europe EEA sub-region includes the 28 Member States of the European Union: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Aland Islands), Estonia, Finland, France (including French Guiana, Guadeloupe, Martinique, Reunion, Mayotte, Saint Martin [French Part]), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Poland, Portugal (including Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including Canary Islands, Ceuta and Melilla), Sweden, United Kingdom (including Gibraltar) and Iceland, Liechtenstein, and Norway (including Svalbard and Jan Mayen).

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.

Mastercard Consumer Card Interchange Fees

(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

Mastercard Commercial Card Interchange Fees

(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

Maestro Interchange Fees

(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

Mastercard Consumer Card Purchase at ATM Interchange Fees

 

Mastercard Commercial Card Purchase at ATM Interchange Fees

 

Maestro Purchase at ATM Interchange Fees

 

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