What are the Interchange Fees on a $5.00 Visa Debit Card Sale?

The Dodd-Frank Financial Reform Bill includes a provision called the Durbin Amendment that requires the Federal Reserve to regulate and cap Debit Card Interchange Fees collected by issuing banks with over $10 billion in assets. The Regulated debit card interchange rate is 0.05% + $0.22. The regulated interchange fee covers Signature, PIN, and both card present and card not present debit card transactions. A $5 sale accepted on a Visa Debit Card has three possible interchange rates: Regulated, Small Ticket, and PIN.

Visa Regulated Debit Card Interchange

Visa Regulated Debit Card Interchange

  • Interchange: 0.05% + $0.22
  • Interchange Fee on $5.00 Sale : $0.225
Visa Small Ticket Debit Card Interchange

Visa Small Ticket Debit Card Interchange

  • Interchange: 1.60% + $0.05
  • Interchange Fee on $5.00 Sale: $0.13
Visa PIN Debit Card Interchange (Interlink)

Visa PIN Debit Card Interchange (Interlink)

  • Interchange: 0.80% + $0.185
  • Interchange Fee on $5.00 Sale: $0.225