Data for Previous Years - Accessible Version
| Network1 | 2023 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 38.1% | 35.5% | $44.04 | $0.62 | 1.41% | 61.9% | 64.5% | $49.28 | $0.22 | 0.45% | $47.29 | $0.37 | 0.79% |
| Discover | 100.0% | 100.0% | $67.10 | $0.84 | 1.26% | 0.0% | 0.0% | $46.77 | $0.23 | 0.50% | $67.10 | $0.84 | 1.26% |
| MasterCard | 49.8% | 50.0% | $49.48 | $0.66 | 1.34% | 50.2% | 50.0% | $48.97 | $0.24 | 0.49% | $49.23 | $0.45 | 0.91% |
| Visa | 34.8% | 31.1% | $41.83 | $0.60 | 1.44% | 65.2% | 68.9% | $49.35 | $0.22 | 0.44% | $46.73 | $0.35 | 0.75% |
| Visa dual‑message | 33.3% | 29.6% | $41.60 | $0.62 | 1.50% | 66.7% | 70.4% | $49.35 | $0.22 | 0.44% | $46.77 | $0.35 | 0.75% |
| Visa single‑message11 | 73.3% | 71.1% | $44.45 | $0.40 | 0.90% | 26.7% | 28.9% | $49.56 | $0.24 | 0.49% | $45.81 | $0.36 | 0.78% |
| Single‑message12 | 40.5% | 36.3% | $39.18 | $0.27 | 0.68% | 59.5% | 63.7% | $46.79 | $0.24 | 0.52% | $43.71 | $0.25 | 0.57% |
| ACCEL | 77.7% | 76.5% | $44.89 | $0.27 | 0.60% | 22.3% | 23.5% | $48.04 | $0.24 | 0.51% | $45.59 | $0.26 | 0.58% |
| AFFN | 90.6% | 86.8% | $39.56 | $0.25 | 0.64% | 9.4% | 13.2% | $58.04 | $0.15 | 0.26% | $41.30 | $0.24 | 0.59% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 24.4% | 24.4% | $34.63 | $0.23 | 0.66% | 75.6% | 75.6% | $34.63 | $0.21 | 0.61% | $34.63 | $0.21 | 0.62% |
| Culiance14 | 100.0% | 100.0% | $44.37 | $0.25 | 0.56% | 0.0% | 0.0% | NA | NA | NA | $44.37 | $0.25 | 0.56% |
| Interlink | 22.5% | 15.3% | $31.45 | $0.35 | 1.13% | 77.5% | 84.7% | $50.51 | $0.25 | 0.49% | $46.22 | $0.27 | 0.58% |
| Jeanie | 77.0% | 88.5% | $63.82 | $0.20 | 0.31% | 23.0% | 11.5% | $27.86 | $0.19 | 0.69% | $55.56 | $0.20 | 0.36% |
| Maestro | 24.5% | 22.4% | $39.16 | $0.21 | 0.53% | 75.5% | 77.6% | $43.93 | $0.24 | 0.55% | $42.76 | $0.23 | 0.54% |
| NetWorks15 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| NYCE | 74.7% | 72.0% | $41.60 | $0.31 | 0.73% | 25.3% | 28.0% | $47.70 | $0.23 | 0.49% | $43.14 | $0.29 | 0.67% |
| PULSE | 58.5% | 52.8% | $38.69 | $0.29 | 0.75% | 41.5% | 47.2% | $48.65 | $0.24 | 0.50% | $42.83 | $0.27 | 0.63% |
| SHAZAM | 97.0% | 96.7% | $35.15 | $0.24 | 0.67% | 3.0% | 3.3% | $38.62 | $0.23 | 0.58% | $35.25 | $0.24 | 0.67% |
| STAR | 48.4% | 44.7% | $39.91 | $0.20 | 0.50% | 51.6% | 55.3% | $46.24 | $0.24 | 0.52% | $43.18 | $0.22 | 0.51% |
| UnionPay | 84.7% | 86.4% | $34.57 | $0.40 | 1.15% | 15.3% | 13.6% | $30.18 | $0.23 | 0.78% | $33.90 | $0.37 | 1.09% |
| All networks | 38.8% | 35.7% | $42.59 | $0.51 | 1.21% | 61.2% | 64.3% | $48.59 | $0.23 | 0.47% | $46.26 | $0.34 | 0.73% |
| Network1 | 2022 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 38.2% | 36.2% | $45.40 | $0.64 | 1.41% | 61.8% | 63.8% | $49.54 | $0.22 | 0.45% | $47.96 | $0.38 | 0.80% |
| Discover | 98.4% | 97.7% | $36.08 | $0.51 | 1.41% | 1.6% | 2.3% | $52.44 | $0.24 | 0.47% | $36.34 | $0.50 | 1.39% |
| MasterCard | 51.1% | 51.3% | $50.11 | $0.68 | 1.37% | 48.9% | 48.7% | $49.77 | $0.24 | 0.48% | $49.95 | $0.47 | 0.93% |
| Visa | 34.5% | 31.6% | $43.54 | $0.62 | 1.43% | 65.5% | 68.4% | $49.49 | $0.22 | 0.45% | $47.44 | $0.36 | 0.76% |
| Visa dual‑message | 32.5% | 29.7% | $43.44 | $0.64 | 1.48% | 67.5% | 70.3% | $49.48 | $0.22 | 0.44% | $47.51 | $0.36 | 0.75% |
| Visa single‑message11 | 78.2% | 75.9% | $44.49 | $0.40 | 0.90% | 21.8% | 24.1% | $50.52 | $0.25 | 0.49% | $45.81 | $0.37 | 0.80% |
| Single‑message12 | 40.3% | 36.4% | $39.98 | $0.27 | 0.67% | 59.7% | 63.6% | $47.13 | $0.24 | 0.51% | $44.25 | $0.25 | 0.57% |
| ACCEL | 80.6% | 79.4% | $43.81 | $0.25 | 0.57% | 19.4% | 20.6% | $47.43 | $0.24 | 0.51% | $44.51 | $0.25 | 0.56% |
| AFFN | 88.7% | 86.7% | $46.94 | $0.26 | 0.55% | 11.3% | 13.3% | $56.65 | $0.17 | 0.30% | $48.04 | $0.25 | 0.52% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 23.4% | 23.4% | $43.51 | $0.23 | 0.53% | 76.6% | 76.6% | $43.51 | $0.21 | 0.48% | $43.51 | $0.21 | 0.49% |
| Culiance14 | 100.0% | 100.0% | $44.96 | $0.25 | 0.56% | 0.0% | 0.0% | NA | NA | NA | $44.96 | $0.25 | 0.56% |
| Interlink | 20.8% | 14.1% | $31.76 | $0.36 | 1.14% | 79.2% | 85.9% | $50.91 | $0.25 | 0.48% | $46.92 | $0.27 | 0.57% |
| Jeanie | 98.1% | 97.9% | $55.88 | $0.24 | 0.44% | 1.9% | 2.1% | $61.45 | $0.21 | 0.34% | $55.98 | $0.24 | 0.44% |
| Maestro | 24.1% | 21.8% | $38.88 | $0.22 | 0.55% | 75.9% | 78.2% | $44.16 | $0.24 | 0.55% | $42.89 | $0.23 | 0.55% |
| NetWorks15 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| NYCE | 78.1% | 76.7% | $42.47 | $0.32 | 0.75% | 21.9% | 23.3% | $46.02 | $0.23 | 0.49% | $43.25 | $0.30 | 0.69% |
| PULSE | 63.3% | 59.1% | $40.89 | $0.30 | 0.74% | 36.7% | 40.9% | $48.89 | $0.24 | 0.50% | $43.83 | $0.28 | 0.64% |
| SHAZAM | 96.5% | 96.1% | $36.16 | $0.24 | 0.67% | 3.5% | 3.9% | $40.84 | $0.22 | 0.54% | $36.32 | $0.24 | 0.66% |
| STAR | 46.8% | 43.5% | $40.68 | $0.20 | 0.49% | 53.2% | 56.5% | $46.48 | $0.24 | 0.51% | $43.77 | $0.22 | 0.50% |
| UnionPay | 89.1% | 89.4% | $37.23 | $0.42 | 1.14% | 10.9% | 10.6% | $36.34 | $0.23 | 0.65% | $37.13 | $0.40 | 1.09% |
| All networks | 38.8% | 36.2% | $43.70 | $0.52 | 1.20% | 61.2% | 63.8% | $48.83 | $0.23 | 0.47% | $46.84 | $0.34 | 0.73% |
| Network1 | 2021 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 38.6% | 36.5% | $45.18 | $0.64 | 1.42% | 61.4% | 63.5% | $49.39 | $0.23 | 0.46% | $47.76 | $0.39 | 0.81% |
| Discover | 95.3% | 92.9% | $31.79 | $0.45 | 1.42% | 4.7% | 7.1% | $49.42 | $0.24 | 0.49% | $32.62 | $0.44 | 1.35% |
| MasterCard | 53.0% | 51.9% | $48.30 | $0.66 | 1.38% | 47.0% | 48.1% | $50.37 | $0.24 | 0.47% | $49.27 | $0.46 | 0.94% |
| Visa | 34.1% | 31.7% | $43.96 | $0.63 | 1.44% | 65.9% | 68.3% | $49.18 | $0.22 | 0.45% | $47.40 | $0.36 | 0.76% |
| Visa dual‑message | 32.0% | 29.7% | $44.14 | $0.66 | 1.49% | 68.0% | 70.3% | $49.19 | $0.22 | 0.45% | $47.58 | $0.36 | 0.76% |
| Visa single‑message11 | 78.2% | 75.7% | $42.44 | $0.40 | 0.93% | 21.8% | 24.3% | $48.66 | $0.24 | 0.50% | $43.80 | $0.36 | 0.83% |
| Single-message12 | 39.9% | 37.1% | $39.99 | $0.27 | 0.68% | 60.1% | 62.9% | $45.03 | $0.24 | 0.53% | $43.02 | $0.25 | 0.59% |
| ACCEL | 82.9% | 81.9% | $43.33 | $0.24 | 0.56% | 17.1% | 18.1% | $46.40 | $0.24 | 0.52% | $43.86 | $0.24 | 0.56% |
| AFFN | 88.7% | 87.1% | $38.43 | $0.25 | 0.65% | 11.3% | 12.9% | $44.40 | $0.13 | 0.30% | $39.10 | $0.24 | 0.60% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 22.1% | 22.0% | $45.08 | $0.23 | 0.52% | 77.9% | 78.0% | $45.44 | $0.20 | 0.44% | $45.36 | $0.21 | 0.46% |
| Culiance14 | 100.0% | 100.0% | $45.01 | $0.25 | 0.55% | 0.0% | 0.0% | NA | NA | NA | $45.01 | $0.25 | 0.55% |
| Interlink | 18.3% | 13.7% | $33.89 | $0.38 | 1.13% | 81.7% | 86.3% | $47.62 | $0.24 | 0.51% | $45.11 | $0.27 | 0.60% |
| Jeanie | 99.4% | 99.5% | $47.99 | $0.24 | 0.51% | 0.6% | 0.5% | $39.88 | $0.15 | 0.39% | $47.94 | $0.24 | 0.51% |
| Maestro | 26.4% | 23.4% | $35.89 | $0.22 | 0.62% | 73.6% | 76.6% | $42.03 | $0.24 | 0.57% | $40.41 | $0.24 | 0.58% |
| NetWorks15 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| NYCE | 78.1% | 77.1% | $42.34 | $0.32 | 0.76% | 21.9% | 22.9% | $44.80 | $0.23 | 0.51% | $42.88 | $0.30 | 0.70% |
| PULSE | 65.4% | 62.4% | $43.51 | $0.31 | 0.72% | 34.6% | 37.6% | $49.48 | $0.24 | 0.49% | $45.58 | $0.29 | 0.63% |
| SHAZAM | 93.4% | 92.8% | $38.42 | $0.25 | 0.64% | 6.6% | 7.2% | $41.92 | $0.22 | 0.52% | $38.65 | $0.25 | 0.64% |
| STAR | 42.4% | 39.2% | $39.87 | $0.19 | 0.48% | 57.6% | 60.8% | $45.48 | $0.24 | 0.53% | $43.10 | $0.22 | 0.51% |
| UnionPay | 72.4% | 63.8% | $33.77 | $0.39 | 1.16% | 27.6% | 36.2% | $50.30 | $0.23 | 0.46% | $38.33 | $0.35 | 0.91% |
| All networks | 39.0% | 36.7% | $43.49 | $0.52 | 1.19% | 61.0% | 63.3% | $48.02 | $0.23 | 0.48% | $46.26 | $0.34 | 0.74% |
| Network1 | 2020 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 39.0% | 37.0% | $42.53 | $0.60 | 1.40% | 61.0% | 63.0% | $46.20 | $0.22 | 0.48% | $44.77 | $0.37 | 0.83% |
| Discover | 93.3% | 91.3% | $33.74 | $0.48 | 1.42% | 6.7% | 8.7% | $44.25 | $0.24 | 0.55% | $34.45 | $0.46 | 1.34% |
| MasterCard | 54.6% | 53.5% | $45.02 | $0.63 | 1.39% | 45.4% | 46.5% | $47.03 | $0.24 | 0.50% | $45.93 | $0.45 | 0.98% |
| Visa | 34.2% | 31.9% | $41.44 | $0.58 | 1.41% | 65.8% | 68.1% | $46.04 | $0.22 | 0.48% | $44.46 | $0.35 | 0.78% |
| Visa dual‑message | 32.0% | 29.8% | $41.55 | $0.61 | 1.47% | 68.0% | 70.2% | $46.03 | $0.22 | 0.48% | $44.59 | $0.35 | 0.78% |
| Visa single‑message11 | 77.3% | 74.7% | $40.58 | $0.37 | 0.92% | 22.7% | 25.3% | $46.75 | $0.24 | 0.52% | $41.98 | $0.34 | 0.82% |
| Single-message12 | 40.0% | 38.2% | $39.32 | $0.26 | 0.65% | 60.0% | 61.8% | $42.39 | $0.24 | 0.56% | $41.16 | $0.25 | 0.60% |
| ACCEL | 85.2% | 84.8% | $43.52 | $0.22 | 0.51% | 14.8% | 15.2% | $44.76 | $0.24 | 0.54% | $43.70 | $0.22 | 0.51% |
| AFFN | 83.9% | 77.4% | $34.68 | $0.24 | 0.68% | 16.1% | 22.6% | $53.02 | $0.15 | 0.27% | $37.63 | $0.22 | 0.59% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 20.8% | 20.0% | $40.72 | $0.20 | 0.49% | 79.2% | 80.0% | $42.72 | $0.21 | 0.49% | $42.31 | $0.21 | 0.49% |
| Culiance14 | 100.0% | 100.0% | $43.58 | $0.22 | 0.50% | 0.0% | 0.0% | NA | NA | NA | $43.58 | $0.22 | 0.50% |
| Interlink | 16.8% | 13.8% | $35.88 | $0.38 | 1.05% | 83.2% | 86.2% | $45.49 | $0.24 | 0.53% | $43.87 | $0.27 | 0.61% |
| Jeanie | 99.5% | 99.6% | $46.48 | $0.25 | 0.54% | 0.5% | 0.4% | $38.23 | $0.22 | 0.58% | $46.44 | $0.25 | 0.54% |
| Maestro | 26.9% | 25.4% | $35.82 | $0.22 | 0.62% | 73.1% | 74.6% | $38.65 | $0.24 | 0.62% | $37.88 | $0.23 | 0.62% |
| NetWorks15 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| NYCE | 77.3% | 76.0% | $39.57 | $0.31 | 0.79% | 22.7% | 24.0% | $42.58 | $0.23 | 0.54% | $40.25 | $0.29 | 0.73% |
| PULSE | 64.9% | 62.2% | $41.79 | $0.29 | 0.69% | 35.1% | 37.8% | $47.01 | $0.24 | 0.52% | $43.62 | $0.27 | 0.62% |
| SHAZAM | 92.9% | 92.0% | $36.99 | $0.25 | 0.67% | 7.1% | 8.0% | $42.24 | $0.21 | 0.51% | $37.36 | $0.25 | 0.66% |
| STAR | 43.3% | 40.3% | $38.41 | $0.18 | 0.48% | 56.7% | 59.7% | $43.44 | $0.24 | 0.55% | $41.26 | $0.21 | 0.52% |
| UnionPay | 100.0% | 100.0% | $36.32 | $0.37 | 1.03% | 0.0% | 0.0% | NA | NA | NA | $36.32 | $0.37 | 1.03% |
| All networks | 39.3% | 37.4% | $41.41 | $0.48 | 1.15% | 60.7% | 62.6% | $44.91 | $0.23 | 0.51% | $43.54 | $0.33 | 0.75% |
> >
| Network1 | 2019 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 37.4% | 36.0% | $38.47 | $0.54 | 1.41% | 62.6% | 64.0% | $40.93 | $0.22 | 0.54% | $40.01 | $0.34 | 0.85% |
| Discover | 95.1% | 93.9% | $31.73 | $0.41 | 1.30% | 4.9% | 6.1% | $39.91 | $0.24 | 0.60% | $32.13 | $0.40 | 1.26% |
| MasterCard | 54.0% | 53.4% | $40.62 | $0.59 | 1.46% | 46.0% | 46.6% | $41.62 | $0.23 | 0.56% | $41.08 | $0.43 | 1.04% |
| Visa | 32.3% | 30.5% | $37.50 | $0.52 | 1.39% | 67.7% | 69.5% | $40.79 | $0.22 | 0.54% | $39.73 | $0.32 | 0.80% |
| Visa dual‑message | 30.0% | 28.3% | $37.56 | $0.54 | 1.44% | 70.0% | 71.7% | $40.74 | $0.22 | 0.54% | $39.79 | $0.31 | 0.79% |
| Visa single‑message11 | 76.5% | 73.5% | $37.06 | $0.37 | 0.99% | 23.5% | 26.5% | $43.34 | $0.24 | 0.56% | $38.54 | $0.34 | 0.87% |
| Single-message12 | 36.3% | 34.7% | $36.01 | $0.25 | 0.69% | 63.7% | 65.3% | $38.56 | $0.24 | 0.61% | $37.64 | $0.24 | 0.64% |
| ACCEL | 82.1% | 81.1% | $39.28 | $0.22 | 0.55% | 17.9% | 18.9% | $41.97 | $0.24 | 0.57% | $39.76 | $0.22 | 0.55% |
| AFFN | 82.0% | 72.9% | $31.98 | $0.23 | 0.72% | 18.0% | 27.1% | $54.14 | $0.16 | 0.30% | $35.96 | $0.22 | 0.61% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 17.4% | 20.0% | $40.56 | $0.20 | 0.49% | 82.6% | 80.0% | $34.27 | $0.20 | 0.59% | $35.37 | $0.20 | 0.57% |
| Culiance14 | 100.0% | 100.0% | $42.05 | $0.24 | 0.57% | 0.0% | 0.0% | NA | NA | NA | $42.05 | $0.24 | 0.57% |
| Interlink | 13.8% | 10.8% | $31.21 | $0.35 | 1.12% | 86.2% | 89.2% | $41.03 | $0.24 | 0.59% | $39.67 | $0.26 | 0.64% |
| Jeanie | 99.6% | 99.7% | $45.79 | $0.25 | 0.54% | 0.4% | 0.3% | $38.70 | $0.17 | 0.45% | $45.76 | $0.25 | 0.54% |
| Maestro | 21.4% | 19.2% | $31.12 | $0.22 | 0.72% | 78.6% | 80.8% | $35.64 | $0.24 | 0.66% | $34.67 | $0.23 | 0.67% |
| NetWorks15 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| NYCE | 79.8% | 79.1% | $37.18 | $0.30 | 0.80% | 20.2% | 20.9% | $38.78 | $0.22 | 0.57% | $37.51 | $0.28 | 0.76% |
| PULSE | 62.5% | 60.9% | $39.30 | $0.28 | 0.70% | 37.5% | 39.1% | $42.01 | $0.24 | 0.57% | $40.32 | $0.26 | 0.65% |
| SHAZAM | 87.5% | 86.7% | $34.31 | $0.26 | 0.74% | 12.5% | 13.3% | $36.69 | $0.21 | 0.58% | $34.61 | $0.25 | 0.72% |
| STAR | 46.9% | 44.6% | $35.92 | $0.20 | 0.57% | 53.1% | 55.4% | $39.44 | $0.24 | 0.60% | $37.79 | $0.22 | 0.58% |
| UnionPay | 100.0% | 100.0% | $31.68 | $0.36 | 1.13% | 0.0% | 0.0% | NA | NA | NA | $31.68 | $0.36 | 1.13% |
| All networks | 37.0% | 35.6% | $37.64 | $0.44 | 1.18% | 63.0% | 64.4% | $40.10 | $0.23 | 0.56% | $39.19 | $0.31 | 0.78% |
>
| Network1 | 2018 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 37.4% | 36.2% | $38.04 | $0.54 | 1.41% | 62.6% | 63.8% | $40.07 | $0.22 | 0.56% | $39.31 | $0.34 | 0.87% |
| Discover | 96.4% | 96.1% | $36.82 | $0.53 | 1.44% | 3.6% | 3.9% | $39.32 | $0.24 | 0.61% | $36.91 | $0.52 | 1.41% |
| MasterCard | 55.0% | 54.2% | $39.53 | $0.58 | 1.47% | 45.0% | 45.8% | $40.88 | $0.23 | 0.57% | $40.14 | $0.42 | 1.06% |
| Visa | 32.1% | 30.6% | $37.30 | $0.51 | 1.38% | 67.9% | 69.4% | $39.92 | $0.22 | 0.55% | $39.08 | $0.31 | 0.81% |
| Visa dual‑message | 29.7% | 28.3% | $37.29 | $0.53 | 1.43% | 70.3% | 71.7% | $39.87 | $0.22 | 0.55% | $39.10 | $0.31 | 0.80% |
| Visa single‑message11 | 76.1% | 73.6% | $37.33 | $0.36 | 0.96% | 23.9% | 26.4% | $42.54 | $0.24 | 0.57% | $38.58 | $0.33 | 0.86% |
| Single-message12 | 36.7% | 35.6% | $37.23 | $0.25 | 0.67% | 63.3% | 64.4% | $39.00 | $0.24 | 0.61% | $38.35 | $0.24 | 0.63% |
| ACCEL | 93.0% | 92.8% | $40.10 | $0.21 | 0.52% | 7.0% | 7.2% | $41.63 | $0.24 | 0.57% | $40.21 | $0.21 | 0.53% |
| AFFN | 88.3% | 82.5% | $34.13 | $0.25 | 0.72% | 11.7% | 17.5% | $54.77 | $0.20 | 0.37% | $36.54 | $0.24 | 0.66% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 16.9% | 20.0% | $46.77 | $0.21 | 0.45% | 83.1% | 80.0% | $38.10 | $0.20 | 0.53% | $39.57 | $0.20 | 0.51% |
| Culiance14 | 100.0% | 100.0% | $46.89 | $0.26 | 0.55% | 0.0% | 0.0% | NA | NA | NA | $46.89 | $0.26 | 0.55% |
| Interlink | 12.1% | 10.0% | $32.44 | $0.35 | 1.09% | 87.9% | 90.0% | $40.28 | $0.24 | 0.60% | $39.33 | $0.25 | 0.65% |
| Jeanie | 99.7% | 99.7% | $46.41 | $0.25 | 0.54% | 0.3% | 0.3% | $43.72 | $0.15 | 0.34% | $46.41 | $0.25 | 0.54% |
| Maestro | 19.9% | 18.1% | $32.27 | $0.24 | 0.75% | 80.1% | 81.9% | $36.27 | $0.24 | 0.65% | $35.47 | $0.24 | 0.67% |
| NetWorks15 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| NYCE | 83.1% | 82.0% | $38.00 | $0.30 | 0.80% | 16.9% | 18.0% | $40.99 | $0.22 | 0.53% | $38.51 | $0.29 | 0.75% |
| PULSE | 61.9% | 60.1% | $40.86 | $0.27 | 0.67% | 38.1% | 39.9% | $44.07 | $0.24 | 0.55% | $42.08 | $0.26 | 0.62% |
| SHAZAM | 82.6% | 79.9% | $34.96 | $0.26 | 0.73% | 17.4% | 20.1% | $41.53 | $0.21 | 0.50% | $36.11 | $0.25 | 0.69% |
| STAR | 49.7% | 46.6% | $36.06 | $0.20 | 0.54% | 50.3% | 53.4% | $40.76 | $0.24 | 0.58% | $38.42 | $0.22 | 0.56% |
| UnionPay | 100.0% | 100.0% | $3.54 | $0.02 | 0.44% | 0.0% | 0.0% | NA | NA | NA | $3.54 | $0.02 | 0.44% |
| All networks | 37.2% | 36.0% | $37.76 | $0.44 | 1.16% | 62.8% | 64.0% | $39.69 | $0.23 | 0.57% | $38.98 | $0.31 | 0.78% |
| Network1 | 2017 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 37.6% | 36.6% | $37.31 | $0.52 | 1.40% | 62.4% | 63.4% | $38.90 | $0.22 | 0.58% | $38.30 | $0.34 | 0.88% |
| Discover | 99.9% | 99.9% | $38.22 | $0.57 | 1.49% | 0.1% | 0.1% | $31.20 | $0.23 | 0.75% | $38.21 | $0.57 | 1.49% |
| MasterCard | 56.0% | 55.4% | $38.87 | $0.58 | 1.49% | 44.0% | 44.6% | $39.71 | $0.23 | 0.59% | $39.24 | $0.43 | 1.09% |
| Visa | 32.1% | 30.9% | $36.52 | $0.49 | 1.35% | 67.9% | 69.1% | $38.75 | $0.22 | 0.57% | $38.03 | $0.31 | 0.82% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 35.6% | 34.9% | $37.27 | $0.25 | 0.67% | 64.4% | 65.1% | $38.54 | $0.24 | 0.61% | $38.08 | $0.24 | 0.63% |
| ACCEL | 85.3% | 85.1% | $41.75 | $0.21 | 0.51% | 14.7% | 14.9% | $42.62 | $0.24 | 0.56% | $41.88 | $0.22 | 0.52% |
| AFFN | 90.1% | 86.5% | $37.85 | $0.24 | 0.64% | 9.9% | 13.5% | $54.13 | $0.20 | 0.36% | $39.45 | $0.24 | 0.61% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 16.3% | 20.0% | $44.22 | $0.20 | 0.45% | 83.7% | 80.0% | $34.54 | $0.20 | 0.57% | $36.12 | $0.20 | 0.54% |
| Culiance14 | 99.3% | 99.3% | $47.22 | $0.23 | 0.48% | 0.7% | 0.7% | $43.33 | $0.20 | 0.47% | $47.20 | $0.23 | 0.48% |
| Interlink | 11.0% | 9.2% | $32.06 | $0.35 | 1.09% | 89.0% | 90.8% | $39.07 | $0.24 | 0.61% | $38.30 | $0.25 | 0.66% |
| Jeanie | 99.6% | 99.6% | $45.53 | $0.25 | 0.55% | 0.4% | 0.4% | $47.21 | $0.16 | 0.34% | $45.54 | $0.25 | 0.55% |
| Maestro | 18.8% | 17.7% | $33.69 | $0.25 | 0.73% | 81.2% | 82.3% | $36.35 | $0.24 | 0.65% | $35.85 | $0.24 | 0.66% |
| NetWorks15 | 33.5% | 34.8% | $34.94 | $0.32 | 0.93% | 66.5% | 65.2% | $32.95 | $0.24 | 0.72% | $33.61 | $0.27 | 0.79% |
| NYCE | 82.3% | 80.7% | $36.20 | $0.29 | 0.80% | 17.7% | 19.3% | $40.27 | $0.23 | 0.56% | $36.92 | $0.28 | 0.75% |
| PULSE | 61.4% | 59.2% | $40.09 | $0.28 | 0.70% | 38.6% | 40.8% | $43.89 | $0.24 | 0.55% | $41.55 | $0.26 | 0.64% |
| SHAZAM | 77.9% | 74.1% | $34.45 | $0.25 | 0.73% | 22.1% | 25.9% | $42.43 | $0.17 | 0.40% | $36.22 | $0.23 | 0.65% |
| STAR | 48.3% | 45.5% | $36.20 | $0.19 | 0.54% | 51.7% | 54.5% | $40.49 | $0.24 | 0.58% | $38.42 | $0.22 | 0.56% |
| UnionPay | 100.0% | 100.0% | $10.19 | $0.11 | 1.10% | 0.0% | 0.0% | NA | NA | NA | $10.19 | $0.11 | 1.10% |
| All networks | 36.9% | 36.0% | $37.29 | $0.43 | 1.15% | 63.1% | 64.0% | $38.77 | $0.23 | 0.59% | $38.23 | $0.30 | 0.79% |
| Network1 | 2016 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 37.8% | 36.7% | $36.48 | $0.51 | 1.39% | 62.2% | 63.3% | $38.24 | $0.23 | 0.59% | $37.58 | $0.33 | 0.89% |
| Discover | 99.8% | 99.8% | $40.73 | $0.65 | 1.59% | 0.2% | 0.2% | $33.61 | $0.23 | 0.70% | $40.72 | $0.65 | 1.59% |
| MasterCard | 53.0% | 52.6% | $37.97 | $0.56 | 1.49% | 47.0% | 47.4% | $38.56 | $0.24 | 0.61% | $38.25 | $0.41 | 1.07% |
| Visa | 33.0% | 31.6% | $35.73 | $0.48 | 1.34% | 67.0% | 68.4% | $38.17 | $0.22 | 0.59% | $37.37 | $0.31 | 0.83% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 35.6% | 35.0% | $37.65 | $0.26 | 0.68% | 64.4% | 65.0% | $38.72 | $0.24 | 0.61% | $38.34 | $0.24 | 0.64% |
| ACCEL | 94.4% | 93.6% | $39.82 | $0.24 | 0.60% | 5.6% | 6.4% | $46.15 | $0.24 | 0.53% | $40.18 | $0.24 | 0.59% |
| AFFN | 88.7% | 83.7% | $34.61 | $0.24 | 0.69% | 11.3% | 16.3% | $52.84 | $0.20 | 0.38% | $36.67 | $0.24 | 0.64% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 16.0% | 20.0% | $43.79 | $0.21 | 0.48% | 84.0% | 80.0% | $33.31 | $0.20 | 0.59% | $34.99 | $0.20 | 0.57% |
| Culiance14 | 99.4% | 99.4% | $46.62 | $0.23 | 0.49% | 0.6% | 0.6% | $42.13 | $0.21 | 0.51% | $46.59 | $0.23 | 0.49% |
| Interlink | 10.2% | 9.0% | $33.16 | $0.35 | 1.05% | 89.8% | 91.0% | $38.06 | $0.24 | 0.63% | $37.57 | $0.25 | 0.67% |
| Jeanie | 92.3% | 92.0% | $46.04 | $0.26 | 0.56% | 7.7% | 8.0% | $47.87 | $0.23 | 0.48% | $46.18 | $0.25 | 0.55% |
| Maestro | 20.5% | 19.9% | $35.93 | $0.26 | 0.74% | 79.5% | 80.1% | $37.17 | $0.24 | 0.64% | $36.92 | $0.24 | 0.66% |
| NetWorks15 | 34.5% | 31.8% | $30.05 | $0.31 | 1.03% | 65.5% | 68.2% | $33.85 | $0.24 | 0.70% | $32.54 | $0.26 | 0.81% |
| NYCE | 72.3% | 70.4% | $37.21 | $0.29 | 0.78% | 27.7% | 29.6% | $40.73 | $0.23 | 0.57% | $38.18 | $0.28 | 0.72% |
| PULSE | 61.8% | 58.7% | $38.72 | $0.28 | 0.73% | 38.2% | 41.3% | $44.11 | $0.24 | 0.54% | $40.78 | $0.27 | 0.66% |
| SHAZAM | 81.4% | 76.5% | $34.50 | $0.25 | 0.72% | 18.6% | 23.5% | $46.43 | $0.16 | 0.34% | $36.71 | $0.23 | 0.63% |
| STAR | 49.2% | 46.4% | $37.70 | $0.20 | 0.54% | 50.8% | 53.6% | $42.20 | $0.23 | 0.56% | $39.98 | $0.22 | 0.55% |
| UnionPay | 100.0% | 100.0% | $43.29 | $0.18 | 0.41% | 0.0% | 0.0% | NA | NA | NA | $43.29 | $0.18 | 0.41% |
| All networks | 37.0% | 36.1% | $36.87 | $0.42 | 1.15% | 63.0% | 63.9% | $38.41 | $0.23 | 0.60% | $37.84 | $0.30 | 0.80% |
| Network1 | 2015 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 38.2% | 37.0% | $36.49 | $0.51 | 1.39% | 61.8% | 63.0% | $38.38 | $0.23 | 0.60% | $37.66 | $0.34 | 0.89% |
| Discover | 99.6% | 99.5% | $41.67 | $0.65 | 1.56% | 0.4% | 0.5% | $43.38 | $0.24 | 0.55% | $41.67 | $0.65 | 1.55% |
| MasterCard | 50.8% | 50.3% | $37.98 | $0.57 | 1.50% | 49.2% | 49.7% | $38.77 | $0.24 | 0.61% | $38.37 | $0.41 | 1.06% |
| Visa | 34.2% | 32.7% | $35.77 | $0.48 | 1.34% | 65.8% | 67.3% | $38.29 | $0.23 | 0.59% | $37.43 | $0.31 | 0.84% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 35.2% | 35.1% | $39.04 | $0.26 | 0.65% | 64.8% | 64.9% | $39.36 | $0.24 | 0.60% | $39.25 | $0.24 | 0.62% |
| ACCEL | 93.2% | 92.8% | $43.26 | $0.21 | 0.48% | 6.8% | 7.2% | $45.66 | $0.24 | 0.53% | $43.43 | $0.21 | 0.49% |
| AFFN | 88.3% | 86.9% | $34.55 | $0.25 | 0.72% | 11.7% | 13.1% | $39.48 | $0.21 | 0.54% | $35.12 | $0.25 | 0.70% |
| Alaska Option13 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| ATH | 14.2% | 20.0% | $50.58 | $0.25 | 0.50% | 85.8% | 80.0% | $33.44 | $0.19 | 0.57% | $35.87 | $0.20 | 0.56% |
| Culiance14 | 99.5% | 99.5% | $48.17 | $0.23 | 0.47% | 0.5% | 0.5% | $42.93 | $0.20 | 0.47% | $48.14 | $0.23 | 0.47% |
| Interlink | 10.2% | 9.4% | $35.43 | $0.35 | 0.99% | 89.8% | 90.6% | $38.95 | $0.24 | 0.61% | $38.59 | $0.25 | 0.65% |
| Jeanie | 89.7% | 88.9% | $46.13 | $0.19 | 0.42% | 10.3% | 11.1% | $49.73 | $0.19 | 0.38% | $46.50 | $0.19 | 0.41% |
| Maestro | 17.0% | 16.9% | $36.77 | $0.27 | 0.72% | 83.0% | 83.1% | $37.14 | $0.24 | 0.64% | $37.07 | $0.24 | 0.65% |
| NetWorks15 | 25.7% | 22.8% | $28.30 | $0.30 | 1.06% | 74.3% | 77.2% | $33.01 | $0.24 | 0.72% | $31.80 | $0.25 | 0.79% |
| NYCE | 65.7% | 63.2% | $38.04 | $0.29 | 0.77% | 34.3% | 36.8% | $42.31 | $0.23 | 0.55% | $39.51 | $0.27 | 0.69% |
| PULSE | 59.3% | 56.6% | $38.63 | $0.29 | 0.74% | 40.7% | 43.4% | $43.05 | $0.24 | 0.55% | $40.43 | $0.27 | 0.66% |
| SHAZAM | 79.2% | 73.7% | $35.92 | $0.26 | 0.72% | 20.8% | 26.3% | $48.75 | $0.16 | 0.33% | $38.59 | $0.24 | 0.61% |
| STAR | 49.9% | 47.5% | $38.95 | $0.22 | 0.56% | 50.1% | 52.5% | $42.95 | $0.24 | 0.55% | $40.95 | $0.23 | 0.55% |
| UnionPay | 100.0% | 100.0% | $4.22 | $0.02 | 0.38% | 0.0% | 0.0% | NA | NA | NA | $4.22 | $0.02 | 0.38% |
| All networks | 37.2% | 36.3% | $37.32 | $0.43 | 1.14% | 62.8% | 63.7% | $38.73 | $0.23 | 0.60% | $38.20 | $0.30 | 0.80% |
| Network1 | 2014 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 38.6% | 37.3% | $36.59 | $0.50 | 1.38% | 61.4% | 62.7% | $38.69 | $0.23 | 0.60% | $37.88 | $0.34 | 0.89% |
| Discover | 98.9% | 99.0% | $46.97 | $0.75 | 1.60% | 1.1% | 1.0% | $41.03 | $0.24 | 0.58% | $46.90 | $0.75 | 1.59% |
| MasterCard | 50.6% | 49.6% | $37.68 | $0.56 | 1.49% | 49.4% | 50.4% | $39.22 | $0.24 | 0.60% | $38.44 | $0.40 | 1.04% |
| Visa | 34.9% | 33.4% | $36.07 | $0.48 | 1.33% | 65.1% | 66.6% | $38.57 | $0.23 | 0.60% | $37.70 | $0.32 | 0.84% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 34.8% | 34.5% | $39.67 | $0.26 | 0.67% | 65.2% | 65.5% | $40.27 | $0.24 | 0.59% | $40.06 | $0.25 | 0.62% |
| ACCEL | 87.1% | 85.7% | $41.43 | $0.22 | 0.53% | 12.9% | 14.3% | $46.64 | $0.20 | 0.44% | $42.10 | $0.22 | 0.52% |
| AFFN | 88.4% | 87.4% | $40.69 | $0.26 | 0.64% | 11.6% | 12.6% | $44.79 | $0.19 | 0.43% | $41.16 | $0.25 | 0.62% |
| Alaska Option13 | 100.0% | 100.0% | $51.81 | $0.18 | 0.35% | 0.0% | 0.0% | NA | NA | NA | $51.81 | $0.18 | 0.35% |
| ATH | 19.9% | 20.0% | $37.59 | $0.23 | 0.61% | 80.1% | 80.0% | $37.37 | $0.17 | 0.45% | $37.41 | $0.18 | 0.49% |
| Culiance14 | 99.0% | 98.9% | $52.65 | $0.25 | 0.47% | 1.0% | 1.1% | $58.60 | $0.24 | 0.41% | $52.71 | $0.25 | 0.47% |
| Interlink | 11.9% | 11.4% | $37.00 | $0.35 | 0.95% | 88.1% | 88.6% | $38.92 | $0.24 | 0.62% | $38.69 | $0.25 | 0.65% |
| Jeanie | 84.9% | 84.2% | $45.94 | $0.25 | 0.54% | 15.1% | 15.8% | $48.73 | $0.18 | 0.36% | $46.36 | $0.24 | 0.51% |
| Maestro | 16.7% | 15.1% | $35.42 | $0.25 | 0.69% | 83.3% | 84.9% | $39.84 | $0.24 | 0.61% | $39.11 | $0.24 | 0.62% |
| NetWorks15 | 27.8% | 26.7% | $30.10 | $0.29 | 0.96% | 72.2% | 73.3% | $31.78 | $0.24 | 0.74% | $31.31 | $0.25 | 0.80% |
| NYCE | 60.9% | 59.9% | $38.54 | $0.29 | 0.76% | 39.1% | 40.1% | $40.21 | $0.23 | 0.58% | $39.19 | $0.27 | 0.69% |
| PULSE | 46.0% | 44.9% | $40.83 | $0.30 | 0.74% | 54.0% | 55.1% | $42.75 | $0.24 | 0.56% | $41.87 | $0.27 | 0.64% |
| SHAZAM | 79.6% | 74.8% | $37.28 | $0.26 | 0.71% | 20.4% | 25.2% | $48.92 | $0.16 | 0.33% | $39.66 | $0.24 | 0.61% |
| STAR | 56.5% | 55.0% | $40.83 | $0.24 | 0.58% | 43.5% | 45.0% | $43.38 | $0.24 | 0.54% | $41.94 | $0.24 | 0.56% |
| UnionPay | 100.0% | 100.0% | $13.80 | $0.05 | 0.39% | 0.0% | 0.0% | NA | NA | NA | $13.80 | $0.05 | 0.39% |
| All networks | 37.3% | 36.3% | $37.58 | $0.43 | 1.14% | 62.7% | 63.7% | $39.26 | $0.23 | 0.59% | $38.63 | $0.31 | 0.79% |
| Network1 | 2013 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt transactions2 | Covered transactions3 | All transactions (exempt and covered transactions)4 |
|||||||||||
| % of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions5 |
% of total value of transactions6 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 38.3% | 36.9% | $36.14 | $0.50 | 1.38% | 61.7% | 63.1% | $38.37 | $0.23 | 0.60% | $37.52 | $0.33 | 0.89% |
| Discover | 97.1% | 97.8% | $52.23 | $0.73 | 1.40% | 2.9% | 2.2% | $40.11 | $0.24 | 0.59% | $51.88 | $0.72 | 1.38% |
| MasterCard | 49.4% | 48.4% | $37.23 | $0.55 | 1.49% | 50.6% | 51.6% | $38.68 | $0.24 | 0.61% | $37.97 | $0.39 | 1.04% |
| Visa | 34.9% | 33.3% | $35.65 | $0.47 | 1.33% | 65.1% | 66.7% | $38.29 | $0.23 | 0.60% | $37.37 | $0.31 | 0.84% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 34.8% | 35.2% | $40.81 | $0.28 | 0.68% | 65.2% | 64.8% | $40.12 | $0.24 | 0.59% | $40.36 | $0.25 | 0.62% |
| ACCEL | 87.7% | 87.1% | $42.28 | $0.26 | 0.61% | 12.3% | 12.9% | $44.37 | $0.19 | 0.42% | $42.54 | $0.25 | 0.59% |
| AFFN | 82.9% | 79.6% | $41.09 | $0.27 | 0.65% | 17.1% | 20.4% | $50.91 | $0.19 | 0.37% | $42.77 | $0.25 | 0.59% |
| Alaska Option13 | 100.0% | 100.0% | $50.71 | $0.18 | 0.35% | 0.0% | 0.0% | NA | NA | NA | $50.71 | $0.18 | 0.35% |
| ATH | 18.5% | 17.8% | $37.13 | $0.25 | 0.68% | 81.5% | 82.2% | $38.78 | $0.17 | 0.44% | $38.48 | $0.19 | 0.48% |
| Culiance14 | 98.4% | 98.1% | $48.26 | $0.23 | 0.47% | 1.6% | 1.9% | $60.13 | $0.21 | 0.34% | $48.45 | $0.23 | 0.47% |
| Interlink | 12.2% | 11.3% | $36.15 | $0.36 | 0.98% | 87.8% | 88.7% | $39.45 | $0.24 | 0.61% | $39.05 | $0.25 | 0.65% |
| Jeanie | 60.0% | 59.7% | $47.08 | $0.28 | 0.60% | 40.0% | 40.3% | $47.65 | $0.15 | 0.31% | $47.31 | $0.23 | 0.48% |
| Maestro | 14.1% | 14.2% | $39.19 | $0.25 | 0.65% | 85.9% | 85.8% | $38.96 | $0.24 | 0.61% | $38.99 | $0.24 | 0.62% |
| NetWorks15 | 28.6% | 27.2% | $29.96 | $0.30 | 0.99% | 71.4% | 72.8% | $32.21 | $0.24 | 0.73% | $31.56 | $0.25 | 0.80% |
| NYCE | 60.6% | 59.5% | $39.72 | $0.29 | 0.74% | 39.4% | 40.5% | $41.53 | $0.23 | 0.56% | $40.43 | $0.27 | 0.67% |
| PULSE | 48.5% | 47.7% | $40.82 | $0.30 | 0.74% | 51.5% | 52.3% | $42.23 | $0.24 | 0.56% | $41.54 | $0.27 | 0.65% |
| SHAZAM | 81.2% | 77.7% | $38.40 | $0.26 | 0.69% | 18.8% | 22.3% | $47.73 | $0.17 | 0.35% | $40.15 | $0.25 | 0.61% |
| STAR | 57.4% | 57.4% | $42.56 | $0.25 | 0.60% | 42.6% | 42.6% | $42.66 | $0.24 | 0.56% | $42.60 | $0.25 | 0.58% |
| UnionPay | 100.0% | 100.0% | $9.78 | $0.04 | 0.38% | 0.0% | 0.0% | NA | NA | NA | $9.78 | $0.04 | 0.38% |
| All networks | 37.1% | 36.3% | $37.66 | $0.43 | 1.13% | 62.9% | 63.7% | $38.99 | $0.23 | 0.60% | $38.50 | $0.30 | 0.79% |
| Network1 | 201216 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt issuers19 | Covered issuers20 | All issuers21 | |||||||||||
| % of total number of transactions22 |
% of total value of transactions23 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions22 |
% of total value of transactions23 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 34.2% | 33.0% | $36.22 | $0.51 | 1.40% | 65.8% | 67.0% | $38.16 | $0.25 | 0.64% | $37.49 | $0.33 | 0.89% |
| Discover | NA | NA | NA | $1.07 | 1.23% | NA | NA | NA | $0.20 | 0.58% | NA | $1.02 | 1.21% |
| MasterCard | NA | NA | NA | $0.57 | 1.52% | NA | NA | NA | $0.26 | 0.68% | NA | $0.40 | 1.04% |
| Visa | NA | NA | NA | $0.48 | 1.35% | NA | NA | NA | $0.24 | 0.63% | NA | $0.31 | 0.84% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 34.0% | 35.2% | $43.08 | $0.30 | 0.69% | 66.0% | 64.8% | $40.92 | $0.24 | 0.58% | $41.65 | $0.26 | 0.62% |
| ACCEL | NA | NA | NA | $0.28 | 0.68% | NA | NA | NA | $0.20 | 0.44% | NA | $0.28 | 0.66% |
| AFFN | NA | NA | NA | $0.57 | 1.42% | NA | NA | NA | $0.19 | 0.43% | NA | $0.22 | 0.51% |
| Alaska Option13 | NA | NA | NA | $0.12 | 0.25% | NA | NA | NA | NA | NA | NA | $0.12 | 0.25% |
| ATH | NA | NA | NA | $0.24 | 0.64% | NA | NA | NA | $0.18 | 0.47% | NA | $0.19 | 0.50% |
| Culiance14 | NA | NA | NA | $0.21 | 0.44% | NA | NA | NA | $0.20 | 0.35% | NA | $0.21 | 0.43% |
| Interlink | NA | NA | NA | $0.34 | 0.87% | NA | NA | NA | $0.24 | 0.61% | NA | $0.25 | 0.64% |
| Jeanie | NA | NA | NA | $0.26 | 0.56% | NA | NA | NA | $0.18 | 0.40% | NA | $0.22 | 0.48% |
| Maestro | NA | NA | NA | $0.33 | 0.61% | NA | NA | NA | $0.24 | 0.60% | NA | $0.25 | 0.60% |
| NetWorks15 | NA | NA | NA | $0.32 | 0.95% | NA | NA | NA | $0.24 | 0.72% | NA | $0.26 | 0.79% |
| NYCE | NA | NA | NA | $0.32 | 0.73% | NA | NA | NA | $0.23 | 0.52% | NA | $0.28 | 0.65% |
| PULSE | 58.5% | 52.8% | $38.69 | $0.31 | 0.75% | NA | NA | NA | $0.24 | 0.57% | NA | $0.27 | 0.66% |
| SHAZAM | NA | NA | NA | $0.28 | 0.72% | NA | NA | NA | $0.19 | 0.43% | NA | $0.26 | 0.65% |
| STAR | NA | NA | NA | $0.29 | 0.66% | NA | NA | NA | $0.24 | 0.55% | NA | $0.27 | 0.62% |
| UnionPay | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| All networks | 34.1% | 33.8% | $38.68 | $0.43 | 1.12% | 65.9% | 66.2% | $39.15 | $0.24 | 0.62% | $38.99 | $0.31 | 0.79% |
| Network1 | October 1-December 31, 201116,17 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt issuers19 | Covered issuers20 | All issuers21 | |||||||||||
| % of total number of transactions22 |
% of total value of transactions23 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions22 |
% of total value of transactions23 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 32.4% | 31.0% | $35.57 | $0.51 | 1.44% | 67.6% | 69.0% | $38.00 | $0.24 | 0.64% | $37.21 | $0.33 | 0.88% |
| Discover | NA | NA | NA | $0.42 | 1.43% | NA | NA | NA | $0.17 | 0.56% | NA | $0.38 | 1.27% |
| MasterCard | NA | NA | NA | $0.55 | 1.50% | NA | NA | NA | $0.26 | 0.66% | NA | $0.38 | 1.01% |
| Visa | NA | NA | NA | $0.49 | 1.41% | NA | NA | NA | $0.24 | 0.63% | NA | $0.31 | 0.85% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 39.6% | 39.9% | $42.78 | $0.31 | 0.72% | 60.4% | 60.1% | $42.13 | $0.23 | 0.55% | $42.39 | $0.26 | 0.62% |
| ACCEL | NA | NA | NA | $0.31 | 0.72% | NA | NA | NA | $0.21 | 0.41% | NA | $0.31 | 0.70% |
| AFFN | NA | NA | NA | $0.24 | 0.75% | NA | NA | NA | $0.20 | 0.31% | NA | $0.23 | 0.54% |
| Alaska Option13 | NA | NA | NA | $0.15 | 0.28% | NA | NA | NA | NR* | 0.27% | NA | $0.15 | 0.28% |
| ATH | NA | NA | NA | $0.30 | 0.80% | NA | NA | NA | $0.17 | 0.47% | NA | $0.20 | 0.52% |
| Culiance14 | NA | NA | NA | $0.21 | 0.46% | NA | NA | NA | $0.18 | 0.29% | NA | $0.21 | 0.45% |
| Interlink | NA | NA | NA | $0.31 | 0.78% | NA | NA | NA | $0.23 | 0.57% | NA | $0.24 | 0.58% |
| Jeanie | NA | NA | NA | $0.25 | 0.50% | NA | NA | NA | $0.18 | 0.38% | NA | $0.22 | 0.45% |
| Maestro | NA | NA | NA | $0.27 | 0.64% | NA | NA | NA | $0.24 | 0.54% | NA | $0.25 | 0.59% |
| NetWorks15 | NA | NA | NA | $0.33 | 0.97% | NA | NA | NA | $0.24 | 0.71% | NA | $0.28 | 0.82% |
| NYCE | NA | NA | NA | $0.34 | 0.77% | NA | NA | NA | $0.23 | 0.49% | NA | $0.30 | 0.67% |
| PULSE | NA | NA | NA | $0.33 | 0.81% | NA | NA | NA | $0.24 | 0.56% | NA | $0.29 | 0.69% |
| SHAZAM | NA | NA | NA | $0.29 | 0.72% | NA | NA | NA | $0.19 | 0.43% | NA | $0.26 | 0.64% |
| STAR | NA | NA | NA | $0.32 | 0.72% | NA | NA | NA | $0.24 | 0.53% | NA | $0.30 | 0.67% |
| UnionPay | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| All networks | 35.1% | 34.6% | $38.61 | $0.43 | 1.10% | 64.9% | 65.4% | $39.44 | $0.24 | 0.60% | $39.15 | $0.30 | 0.78% |
| Network1 | January 1-September 30, 201116,17 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Exempt issuers19 | Covered issuers20 | All issuers21 | |||||||||||
| % of total number of transactions22 |
% of total value of transactions23 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
% of total number of transactions22 |
% of total value of transactions23 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | 28.0% | 26.9% | $36.09 | $0.53 | 1.47% | 72.0% | 73.1% | $38.03 | $0.58 | 1.54% | $37.49 | $0.57 | 1.52% |
| Discover | NA | NA | NA | $0.43 | 1.40% | NA | NA | NA | $0.25 | 0.89% | NA | $0.40 | 1.31% |
| MasterCard | NA | NA | NA | $0.54 | 1.48% | NA | NA | NA | $0.58 | 1.50% | NA | $0.57 | 1.50% |
| Visa | NA | NA | NA | $0.53 | 1.47% | NA | NA | NA | $0.58 | 1.55% | NA | $0.57 | 1.53% |
| Visa dual‑message | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Single-message12 | 39.1% | 39.8% | $42.35 | $0.32 | 0.75% | 60.9% | 60.2% | $41.10 | $0.34 | 0.84% | $41.59 | $0.33 | 0.80% |
| ACCEL | NA | NA | NA | $0.30 | 0.70% | NA | NA | NA | $0.29 | 0.61% | NA | $0.30 | 0.70% |
| AFFN | NA | NA | NA | $0.25 | 0.66% | NA | NA | NA | $0.22 | 0.57% | NA | $0.24 | 0.63% |
| Alaska Option13 | NA | NA | NA | $0.15 | 0.23% | NA | NA | NA | NR* | 0.28% | NA | $0.15 | 0.23% |
| ATH | NA | NA | NA | $0.29 | 0.80% | NA | NA | NA | $0.29 | 0.80% | NA | $0.29 | 0.80% |
| Culiance14 | NA | NA | NA | $0.21 | 0.47% | NA | NA | NA | $0.25 | 0.45% | NA | $0.21 | 0.47% |
| Interlink | NA | NA | NA | $0.34 | 0.84% | NA | NA | NA | $0.35 | 0.87% | NA | $0.35 | 0.87% |
| Jeanie | NA | NA | NA | $0.26 | 0.60% | NA | NA | NA | $0.30 | 0.72% | NA | $0.28 | 0.66% |
| Maestro | NA | NA | NA | $0.31 | 0.78% | NA | NA | NA | $0.34 | 0.78% | NA | $0.33 | 0.78% |
| NetWorks15 | NA | NA | NA | $0.31 | 0.94% | NA | NA | NA | $0.31 | 0.94% | NA | $0.31 | 0.94% |
| NYCE | NA | NA | NA | $0.34 | 0.79% | NA | NA | NA | $0.37 | 0.81% | NA | $0.35 | 0.80% |
| PULSE | NA | NA | NA | $0.32 | 0.79% | NA | NA | NA | $0.35 | 0.81% | NA | $0.34 | 0.80% |
| SHAZAM | NA | NA | NA | $0.26 | 0.67% | NA | NA | NA | $0.24 | 0.60% | NA | $0.26 | 0.66% |
| STAR | NA | NA | NA | $0.33 | 0.76% | NA | NA | NA | $0.32 | 0.74% | NA | $0.33 | 0.76% |
| UnionPay | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| All networks | 32.0% | 31.9% | $38.87 | $0.44 | 1.12% | 68.0% | 68.1% | $39.03 | $0.51 | 1.30% | $38.98 | $0.48 | 1.24% |
| Network1 | 200916,18 | ||
|---|---|---|---|
| All issuers18 | |||
| Average transaction value7 |
Average interchange fee per transaction8 |
Interchange fee as % of average transaction value9 |
|
| Dual-message10 | $36.90 | $0.55 | 1.49% |
| Discover | NA | $0.42 | 1.15% |
| MasterCard | NA | $0.55 | 1.47% |
| Visa | NA | $0.55 | 1.49% |
| Visa dual‑message | NA | NA | NA |
| Visa single‑message11 | NA | NA | NA |
| Single-message12 | $40.30 | $0.23 | 0.58% |
| ACCEL | NA | $0.21 | 0.54% |
| AFFN | NA | $0.13 | 0.26% |
| Alaska Option13 | NA | $0.01 | 0.04% |
| ATH | NA | NA | NA |
| Culiance14 | NA | $0.18 | 0.45% |
| Interlink | NA | $0.21 | 0.55% |
| Jeanie | NA | $0.20 | 0.44% |
| Maestro | NA | $0.29 | 0.69% |
| NetWorks15 | NA | $0.25 | 0.74% |
| NYCE | NA | $0.29 | 0.65% |
| PULSE | NA | $0.26 | 0.61% |
| SHAZAM | NA | $0.23 | 0.58% |
| STAR | NA | $0.26 | 0.59% |
| UnionPay | NA | NA | NA |
| All networks | $38.18 | $0.43 | 1.13% |
Note: Networks may offer multiple pricing programs to issuers. This table reflects each network's average interchange fee across all of its transactions and does not reflect what a particular issuer will earn by participating in a particular network or combination of networks.
Note: Previous years' data are subject to minor changes based on revisions to underlying data.
1. Networks listed are defined as payment card networks under the Board's Regulation II. Presto!, by the network's policy, is accessible exclusively through one merchant, which is affiliated with the network. Presto! statistics are included in the "Single-message" statistics and the "All networks" statistics but are not listed individually. Statistics for the "Dual-message," "Single-message," and "All networks" rows are weighted averages based on each network's number or value of transactions. Return to table.
2. Exempt transactions: Transactions processed by issuers exempt from the interchange fee standard, as well as transactions processed by issuers otherwise covered by the interchange fee standard that qualify for another exemption from the standard. Exempt issuers have total worldwide banking and nonbanking assets (including assets of affiliates), other than trust assets under management, of less than $10 billion as of December 31 of the previous year. Exempt transactions for covered issuers are transactions made with certain debit cards provided pursuant to government-administered payment programs and certain reloadable general-use prepaid cards. Return to table.
3. Covered transactions: Transactions processed by issuers subject to the interchange fee standard that do not qualify for another exemption from the standard. Return to table.
4. All transactions: Exempt transactions and covered transactions. Return to table.
5. % of total number of transactions: The percentage of settled purchase transactions that are exempt from, or covered by, the interchange fee standard. Return to table.
6. % of total value of transactions: The percentage of the value of settled purchase transactions made with cards that are exempt from, or covered by, the interchange fee standard. Note: Certain transactions for issuers covered by the standard are exempt from the standard. Return to table.
7. Average transaction value: The value of settled purchase transactions divided by the number of settled purchase transactions. Return to table.
8. Average interchange fee per transaction: Total interchange fees divided by the number of settled purchase transactions. Return to table.
9. Interchange fee as % of average transaction value: Total interchange fees divided by the value of settled purchase transactions. Return to table.
10. Dual-message network: A payment card network that typically uses separate messages to authorize and clear a transaction. These networks have traditionally processed signature-authenticated transactions, although some transactions may not require a signature. In some instances, a dual-message network may use a single message to authorize and clear a given transaction and may require the entry of a PIN for cardholder authentication in that transaction. As applicable, the totals for a particular dual-message network include information on any single-message transactions performed on that network. Return to table.
11. Single-message transactions processed over Visa, a dual-message network. For data prior to 2018, single-message and dual-message transactions over Visa are not reported separately. Return to table.
12. Single-message network: A payment card network that uses a single message to authorize and clear a transaction. These networks normally process PIN-authenticated transactions, although some transactions, such as small-value purchases, may not require any authentication (PIN-less) or may use signature authentication. In some instances, a network that typically uses a single message to authorize and clear and transaction may use separate messages to authorize and clear a given transaction. As applicable, the totals for a particular single-message network include information on any dual-message transactions performed on that network. Return to table.
13. Since 2015, Alaska Option has no longer operated as a payment card network for debit cards. Return to table.
14. Prior to 2017, Culiance was known as Credit Union 24. Return to table.
15. Since November 2017, NetWorks has no longer operated as a payment card network for debit cards. Return to table.
16. Prior to 2013 the Board did not release breakdown of "% of total number of transactions", "% of total value of transactions" and "Average transaction value" figures by network. Return to table.
17. The interchange fee standard went into effect on October 1, 2011. Data for 2011 are separated into two periods (January 1-September 30 and October 1-December 31) to reflect fees before and after implementation of the interchange fee standard. Return to table.
18. Some 2009 statistics differ from those in the Board's "2009 Interchange Revenue, Covered Issuer Cost, and Covered Issuer and Merchant Fraud Loss Related to Debit Card Transactions" report. In this data release, interchange fee amounts were divided by the number or value of purchase transactions, while in the earlier report, they were divided by the number or value of purchase transactions less returns. Dual-message and Single-message statistics in 2009 exclude prepaid transactions; prepaid transactions are included in statistics for the "All networks" row. Return to table.
19. Exempt issuers: Issuers exempt from the interchange fee standard. For a definition of exempt issuers, see Interchange Fee Standards: Small Issuer Exemption. Return to table.
20. Covered issuers: Issuers subject to the interchange fee standard. Return to table.
21. All issuers: Exempt issuers and covered issuers. Return to table.
22. % of total number of transactions: The percentage of settled purchase transactions for issuers exempt from, or covered by, the interchange fee standard. Note: Certain transactions for issuers covered by the standard are exempt from the standard. Return to table.
23. % of total value of transactions: The percentage of the value of settled purchase transactions for issuers exempt from, or covered by, the interchange fee standard. Note: Certain transactions for issuers covered by the standard are exempt from the standard. Return to table.