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

Regionality
Credit/Debit Category Scheme Fee % ATV
Domestic            Debit                     CHP                    
0.071%                
 £20
    eComm
0.124%
 £26
    MOTO
0.053%
 £195
    Recurring
0.067%
 £34
  Credit CHP
0.050%
 £44
    eComm
0.094%
 £41
    MOTO
0.053%
 £704
    Recurring
0.073%
 £19
Regional Debit CHP
0.100%
 £25
    eComm
0.200%
 £21
    MOTO
0.063%
 £118
    Recurring
0.087%
 £28
  Credit CHP
0.203%
 £13
    eComm
0.165%
 £29
    MOTO
0.221%
 £173
    Recurring
0.276%
 £33
International Debit CHP
1.332%
 £11
    eComm
1.210%
 £51
    MOTO
1.321%
 £34
    Recurring
1.325%
 £32
  Credit CHP
1.072%
 £26
    eComm
1.123%
 £97
    MOTO
1.040%
 £401
    Recurring
1.304%
 £34

 

Mastercard scheme fees

Regionality Scheme Fee % ATV
Domestic  
0.183%                
 £45
Regional
0.246%
 £30
International       
0.830%
 £54

 

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%