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 % and per-item Scheme Fees for UK merchants, for various categories of transaction.
Fees are indicative only. The Scheme Fees applied to your statements may vary.
Visa scheme fees
|
Credit/Debit |
Capture method |
Scheme Fee % |
Scheme Fees per item |
---|
Domestic |
Debit |
CHP |
|
|
|
|
eComm (3DS) |
|
|
|
|
MOTO or eComm (non-3DS) |
|
|
|
|
Recurring |
|
|
|
Credit |
CHP |
|
|
|
|
eComm (3DS) |
|
|
|
|
MOTO or eComm (non-3DS) |
|
|
|
|
Recurring |
|
|
Intra-Regional |
Debit |
CHP |
|
|
|
|
eComm (3DS) |
|
|
|
|
MOTO or eComm (non-3DS) |
|
|
|
|
Recurring |
|
|
|
Credit |
CHP |
|
|
|
|
eComm (3DS) |
|
|
|
|
MOTO or eComm (non-3DS) |
|
|
|
|
Recurring |
|
|
Inter-Regional |
Debit |
CHP |
|
|
|
|
eComm (3DS) |
|
|
|
|
MOTO or eComm (non-3DS) |
|
|
|
|
Recurring |
|
|
|
Credit |
CHP |
|
|
|
|
eComm (3DS) |
|
|
|
|
MOTO or eComm (non-3DS) |
|
|
|
|
Recurring |
|
|
Domestic: Merchant and Issuer are in the same country
Intra-Regional: Both Merchant and Issuer are in Europe except transactions in and out of Turkey, Israel and Switzerland which will attract Inter-Regional rates
Inter-Regional: Merchant is in Europe and Issuer is in other regions
Mastercard scheme fees
Jurisdiction |
Capture method |
Scheme Fee % |
Scheme Fees per item |
---|
Domestic |
CHP |
|
|
|
eComm (3DS) |
|
|
|
eComm (non-3DS) |
|
|
|
MOTO |
|
|
Intra-SEPA EUR |
CHP |
|
|
|
eComm (3DS) |
|
|
|
eComm (non-3DS) |
|
|
|
MOTO |
|
|
Intra-SEPA NEUR |
CHP |
|
|
|
eComm (3DS) |
|
|
|
eComm (non-3DS) |
|
|
|
MOTO |
|
|
Intra-Non SEPA |
CHP |
|
|
|
eComm (3DS) |
|
|
|
eComm (non-3DS) |
|
|
|
MOTO |
|
|
Inter-Regional |
CHP |
|
|
|
eComm (3DS) |
|
|
|
eComm (non-3DS) |
|
|
|
MOTO |
|
|
Domestic: Merchant and Issuer are in the same country
Intra-SEPA EUR: Both merchant & Issuer are in SEPA and transaction currency is EUR
Intra-SEPA NEUR: Both merchant & Issuer are in SEPA and transaction currency is not EUR
Intra-Non SEPA: Both or one of the party are outside SEPA region
Inter-Regional: Merchant is in Europe and Issuer is in other regions
Amex scheme fees
Transaction Currency |
Cost |
|
|
GBP |
2.80% |
USD |
3.55% |
EUR |
3.50% |
AUD |
2.95% |
HKD |
3.45% |
JPY |
4.00% |
NZD |
3.10% |
SGD |
3.40% |
Other |
4.00% |
|
|