Network Interchange Rates and Payment Network Fee Schedules

Our goal is to provide you with the details and timing of changes from the payment and debit networks that apply to card processing so you can make informed decisions for your business. 

All fees are billed by and owed to Bank of America — this includes fees that have a payment network name in their description. This schedule is generally updated in April and October.

Below are the latest payment and debit network fee schedules and interchange rates that reflect the current pass-through fees. Keep in mind, the fees applicable to your business will depend on the types of cards you accept and your specific pricing structure. These schedules are for informational purposes only and don’t constitute legal, compliance, tax, or payment network advice. All fees, qualifications and availability are subject to change. Applicable merchant agreement terms and payment network rules govern.

Here are the current interchange programs and payment network fee schedules, along with a summary of the primary qualifications established by the networks:

Visa^®

Mastercard^®

Discover^® Network

American Express^®

Debit Networks