The Card Schemes charge a fee to the acquirer for using their network to process a transaction, this is known as a 'Scheme Fee'. Scheme Fees are typically lower than Interchange (at least for Domestic and Intra-regional traffic).

As with all transactional costs, they can be made up of a percentage of the value of transaction and/or a per-item charge, as well as have minimum and maximum absolute values applied.

The below shows the average % scheme Fees, for various categories of transaction.

Please note that this % includes any per-item fees present, expressed as a % of the average transaction value (ATV) . We have listed the ATV alongside these metrics as a reference point.

Fees are indicative only. The Scheme Fees applied to your statements may vary.

Visa scheme fees

Mastercard scheme fees

Amex scheme fees