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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

Regionality
Credit/Debit Capture method Scheme Fee % Scheme Fees per item
Domestic            Debit CHP                     0.036% € 0.0082
    eComm (3DS) 0.046% € 0.0282
    MOTO or eComm (non-3DS) 0.046% € 0.0082
    Recurring 0.046% € 0.0082
  Credit CHP 0.041% € 0.0082
    eComm (3DS) 0.051% € 0.0282
    MOTO or eComm (non-3DS) 0.051% € 0.0082
    Recurring 0.051% € 0.0082
Intra-UK-EEA Debit CHP 0.136% € 0.0168
    eComm (3DS) 0.296% € 0.0368
    MOTO or eComm (non-3DS) 0.296% € 0.0168
    Recurring 0.296% € 0.0168
  Credit CHP 0.141% € 0.0168
    eComm (3DS) 0.301% € 0.0368
    MOTO or eComm (non-3DS) 0.301% € 0.0168
    Recurring 0.301% € 0.0168
Intra-Regional Debit CHP 0.036% € 0.0168
    eComm (3DS) 0.046% € 0.0368
    MOTO or eComm (non-3DS) 0.046% € 0.0168
    Recurring 0.046% € 0.0168
  Credit CHP 0.041% € 0.0168
    eComm (3DS) 0.051% € 0.0368
    MOTO or eComm (non-3DS) 0.051% € 0.0168
    Recurring 0.051% € 0.0168
Inter-Regional Debit CHP 0.486% € 0.1075
    eComm (3DS) 1.018% € 0.1275
    MOTO or eComm (non-3DS) 1.018% € 0.1075
    Recurring 1.018% € 0.1075
  Credit CHP 0.697% € 0.1075
    eComm (3DS) 1.018% € 0.1275
    MOTO or eComm (non-3DS) 1.018% € 0.1075
    Recurring 1.018% € 0.1075

 

Domestic: Merchant and Issuer are in the same country
Intra-UK-EEA: Merchant is in the UK and Issuer is in the European Economic Area (EEA), and vice versa, except transactions in and out of Turkey, Israel and Switzerland which will attract Inter-Regional rates.
Intra-Regional: Both Merchant and Issuer are in the European Economic Area (EEA), 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

As of 16 October 2021, the UK is no longer considered as part of the European Economic Area.

Mastercard scheme fees

Jurisdiction Capture method Scheme Fee % Scheme Fees per item
Domestic CHP
0.121%
€ 0.0134
  eComm (3DS)
0.146%
€ 0.0354
  eComm (non-3DS)
0.146%
€ 0.0134
  MOTO
0.171%
€ 0.0134
Intra-SEPA EUR CHP
0.121%
€ 0.0134
  eComm (3DS)
0.146%
€ 0.0354
  eComm (non-3DS)
0.146%
€ 0.0134
  MOTO
0.171%
€ 0.0134
Intra-SEPA NEUR CHP
0.166%
€ 0.0134
  eComm (3DS)
0.146%
€ 0.0354
  eComm (non-3DS)
0.146%
€ 0.0134
  MOTO
0.171%
€ 0.0134
Intra-Non SEPA CHP
0.601%
€ 0.1520
  eComm (3DS)
0.201%
€ 0.1740
  eComm (non-3DS)
0.201%
€ 0.1520
  MOTO
0.251%
€ 0.1520
Inter-Regional CHP
0.571%
€ 0.1120
  eComm (3DS)
0.621%
€ 0.1340
  eComm (non-3DS)
0.621%
€ 0.1120
  MOTO
0.671%
€ 0.1120

 

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                                   3.00%
USD 3.55%
EUR 3.50%
AUD 2.95%
HKD 3.45%
JPY 4.00%
NZD 3.10%
SGD 3.40%
Other 4.00%