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%
AUD	2.95%
HKD	3.45%
JPY	4.00%
NZD	3.10%
SGD	3.40%
Other	4.00%

Visa scheme fees

Mastercard scheme fees

AMEX scheme fees