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-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-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
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                                   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%