Visa Card-Not-Present (Keyed) Rates

Keyed transactions that include Address Verification information will have their own interchange category

The “Card-Not-Present” category is for key-entry and E-Commerce Visa sales that meet CPS criteria (including AVS, keying on time, etc). Barring a few exceptions, most merchants are able to receive these interchange rates.

Visa Business Cards interchange

Qualifications

  • E-Commerce or Key-enter transaction; If prompted “is card present” answer “no”.
  • Settle within 1 day of shipment date.
  • AVS data is required, for keyed sales, AVS feature on terminal or software; zip code must match; and a POS indicator of “71”.
  • Obtain and pass 1 valid electronic authorization.
  • When processing a Non-PIN debit transaction the authorization and settlement amount must match. Taxicab & Limousines (MCC 4121), Bars & Taverns (MCC 5813), Beauty & Barber Shops (MCC 7230), Health & Beauty Spas (MCC 7298) are exempt from transaction amount tolerance.
  • E-Commerce transactions must include order number, customer service phone number, and E-Commerce indicator of “7”.
  • E-Commerce transactions are allowed one reversal.

What are the rates?

CPS Card Not Present - 1.80% + $0.10

Downgrade (for no AVS): EIRF, 2.30% + $0.10/txn
Downgrade (any other reason): Standard, 2.70% + $0.10/txn

CPS Rewards 2 - 1.95% + $0.10

Downgrade (for no AVS): EIRF, 2.30% + $0.10/txn
Downgrade (any other reason): Standard, 2.70% + $0.10/txn

Signature Pref. Electronic - 2.40% + $0.10

Downgrade (any reason): Standard, 2.95% + $0.10/txn

CPS Card-Not-Present Debit - 1.65% + $0.15

Downgrade (for no AVS): EIRF Debit, 1.75% + $0.20/txn
Downgrade (any other reason): Standard Debit, 1.90% + $0.25/txn

CPS Card-Not-Present Prepaid - 1.75% + $0.20

Downgrade (for no AVS): EIRF Prepaid, 1.80% + $0.20/txn
Downgrade (any other reason): Standard Prepaid, 1.90% + $0.25/txn

Regulated Debit - 0.05% + $0.22

Downgrade: This card type does not downgrade.

Who's eligible?

Almost all merchant types are eligible. Only the following merchants are Not Eligible:
Automated Fuel Dispensers (MCC 5542)
Direct Marketing (MCC 5960, 5962, 5964-5969)
Quasi Cash (MCC 6051, 4829, 7995) – only eligible for debit/prepaid

See how interchange works.

Visa Consumer
Interchange Rates