Sterling Buying Group. Wholesale Credit Card Processing


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Current Interchange Rates

The following tables set forth the interchange reimbursement fees applied on Visa financial transactions completed within the 50 United States and the District of Columbia.

Visa uses interchange reimbursement fees as transfer fees between financial institutions to balance and grow the payment system for the benefit of all participants. Merchants do not pay interchange reimbursement fees; merchants pay "merchant discount" to their financial institution. This is an important distinction, because merchants buy a variety of processing services from financial institutions; all these services may be included in their merchant discount rate, which is typically a percentage rate per transaction.

Download VISA Interchange Rates

Financial institutions that provide card acceptance services to merchants are typically referred to as “acquirers.” Although MasterCard has no involvement in acquirer and merchant pricing policies or agreements, it is generally understood that interchange fees are one component of the Merchant Discount Rate (MDR) established by acquirers, which is paid by merchants to acquirers in consideration for card acceptance services.

Download MasterCard Interchange Rates

B2B Credit Card Processing Experts

PCI Compliance

PCI Compliance Solutions
Since the inception of the PCI compliance program, most merchants have been shielded from the process and procedural changes until now.

Interchange Management

Sterling Buying Group analysts regularly study the rules pertaining to how cards qualify and as part of the service include interchange training to each client. An effective merchant services partner will not just reduce what you pay to your Bank or Broker; they will help you reduce the amount you pay to the Card Associations.

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