Are Any Interchange Fees Capped?

Yes. Federally Regulated Debit is the most common capped interchange rate. Federally Regulated Interchange applies to debit cards issued by banks with over $10 billion in assets. The interchange fees on these cards are capped at 0.05% + $0.21 (plus an additional $0.01 if the card-issuing bank meets certain fraud prevention requirements). The Federally Regulated Interchange Rate applies to all transaction types: swiped, key-entered, e-commerce, and downgrades. This interchange rate is sometimes referred to as "capped interchange" or "durbin debit" (after the corresponding legislation mandating the cap, the Durbin Amendment).

While not capped and regulated in the same fashion as Federally Regulated, the are several other Interchange Rates that that "cap" or "max out" at a specific fee amount:

  • Fuel/Service Station Credit: $1.10
  • Fuel/Service Station Debit: $0.95
  • Fuel/Service Station Credit: $0.95
  • Fuel/Service Station Debit: $0.95
  • SuperMarket Debit: $0.35
  • Warehouse Club Debit: $0.35
  • SuperMarket Debit: $0.35