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  5. Additional Data Concerning the Proposed Methodology for Determining the Base Component of the Interchange Fee Cap

Regulation II (Debit Card Interchange Fees and Routing)

Accessible Version of average per-transaction base component costs of covered issuer transactions

Chart 1: Average per-transaction base component costs of covered issuer transactions, in cents, by transaction percentile range and year

Transaction percentile 20.0 55.0 80.0 92.5 97.0 99.5
2009 3.7 7.5 10.7 14.4 17.2 41.9
2011 2.9 4.2 7.2 10.1 12.3 22.5
2013 2.8 3.6 5.8 8.6 12.5 31.7
2015 2.6 3.5 5.0 7.8 11.9 26.4
2017 2.2 3.1 4.0 6.6 9.8 21.6
2019 2.2 3.3 4.6 8.0 11.2 24.2
2021 2.3 3.2 4.4 8.0 12.1 21.6

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Chart 2: Average per-transaction base component costs of covered issuer transactions performed in 2021, in cents, by transaction percentile range—actual vs. fitted (Weibull) distribution

Transaction percentile 20.0 55.0 80.0 92.5 97.0 99.5
2021, observed 2.31254 3.24599 4.42453 7.95344 12.10226 21.59113
2021, fitted 1.10499 3.36931 6.32498 9.58996 12.59434 17.76214

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Chart 3: Average per-transaction base component costs of covered issuer transactions, in cents, by transaction percentile range and year—actual vs. fitted (Weibull) distribution

Transaction percentile 20.0 55.0 80.0 92.5 97.0 99.5
2009, observer 3.71798 7.50579 10.70035 14.43834 17.18861 41.89039
2009, fitted 2.22811 6.71142 12.54978 18.69163 24.58158 36.98910
2011, observed 2.89103 4.16018 7.19543 10.05576 12.31873 22.47392
2011, fitted 1.43670 4.41747 8.22563 12.39899 16.32847 24.22207
2013, observed 2.84683 3.59120 5.79472 8.55942 12.46464 31.71030
2013, fitted 1.32264 4.07078 7.53597 11.08541 14.73990 21.43508
2015, observed 2.57456 3.45902 5.02268 7.83671 11.92591 26.35955
2015, fitted 1.21339 3.70711 6.86102 10.14875 13.30143 19.24303
2017, observed 2.21428 3.13757 3.96781 6.62814 9.83342 21.57520
2017, fitted 1.02263 3.10945 5.77879 8.63695 11.53164 16.81184
2019, observed 2.24000 3.26706 4.64632 8.00687 11.16525 24.15113
2019, fitted 1.10926 3.45390 6.34472 9.29004 12.27487 18.64975
2021, observed 2.31254 3.24599 4.42453 7.95344 12.10226 21.59113
2021, fitted 1.10499 3.36931 6.32498 9.58996 12.59434 17.76214

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Last Update: January 22, 2024