• Interchange: 1.65% + $0.15

CPS/Card Not Present Debit is the Visa Interchange rate for a base card type card not present debit transaction. Unregulated debit cards issued by banks with under $10 billion in assets (small banks, credit unions, etc.) will clear at this interchange rate. These transactions are exempt from the Durbin Amendment.

Change History:

  • 1.65% + $0.15 April 2012
  • 1.60% + $0.15 October 2011

Primary Qualifications:

  • Single electronic authorization, authorization must include Address Verification (AVS), order number, and customer service number
  • Purchase date equal to shipping date and within 7 days of authorization
  • Transaction settled on or 1 day after purchase/shipping date
  • Settled amount must equal authorized amount, authorization response data included in the settled transaction.
  • MO/TO merchants should qualify here.