Scheme fees

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 and are made up of a percentage of the value of transaction and/or a pence per clearing charge as shown below:

Visa scheme fees

Scheme Fee Type Cost
Domestic - Debit - Ecommerce 0.02% + € 0.0082
Domestic - Debit - Ecommerce & Recurring 0.045% + € 0.0082
Domestic - Debit - MOTO 0.02% + € 0.0082
Domestic - Credit - Ecommerce 0.024% + € 0.0082
Domestic - Credit - Ecommerce & Recurring 0.049% + € 0.0082
Domestic - Credit - MOTO 0.024% + € 0.0082
Regional - Debit - Ecommerce 0.02% + € 0.0168
Regional - Debit - Ecommerce & Recurring 0.045% + € 0.0168
Regional - Debit - MOTO 0.02% + € 0.0168
Regional - Credit - Ecommerce 0.024% + € 0.0168
Regional - Credit - Ecommerce & Recurring 0.049% + € 0.0168
Regional - Credit - MOTO 0.024% + € 0.0168
International - Debit - Ecommerce 0.71% + € 0.1075
International - Debit - Ecommerce & Recurring 0.735% + € 0.1075
international - Debit - MOTO 0.71% + € 0.1075
International - Credit - Ecommerce 0.714% + € 0.1075
International - Credit - Ecommerce & Recurring 0.739% + € 0.1075
International - Credit - MOTO 0.714% + € 0.1075

 

Mastercard scheme fees

Scheme Fee Type Cost
Domestic 0.055757% + € 0.035
Regional 0.100757% + € 0.035
International 0.530757% + € 0.145

 

AMEX scheme fees

Transaction Currency Cost
GBP 2.80%
USD 3.55%
EUR 3.50%
AUS 2.95%
HKD 3.45%
JPY 4.00%
NZD 3.10%
SGD 3.40%
Other 4.00%