Visa Supermarket Rates

Supermarkets and grocery stores get heavily discounted interchange rates, since these types of sales are rarely disputed

To qualify for the below Visa supermarket rates, your business must be classified as a grocery/supermarket, with an MCC of 5411. Below are the basic qualifications, plus you’ll see each type of card that’s eligible for supermarket rates, along with the associated potential downgrade:

Visa Business Cards interchange

Qualifications

  • Only supermarkets/grocery stores are eligible (MCC of 5411)
  • Magnetic stripe, contactless, or chip data read, obtain customer’s signature.
  • Authorize and settle within 1 day.
  • Obtain and pass 1 valid electronic authorization.
  • When processing a Non-PIN debit transaction the authorization and settlement amount must match.

What are the rates?

See the below cards types which can qualify for CPS Supermarket rates

CPS Supermarket - 1.22% + $0.05

Downgrade (for keyed): CPS Card Not Present, 1.80% + $0.10/txn
Downgrade (any other reason): EIRF, 2.30% + $0.10/txn

CPS Rewards 1 - 1.65% + $0.10

Downgrade (for keyed): CPS Card Not Present, 1.80% + $0.10/txn
Downgrade (any other reason): EIRF, 2.30% + $0.10/txn

Signature / Preferred / Infinite - 2.10% + $0.10

Downgrade (for keyed): Signature Preferred CNP, 2.40% + $0.10/txn
Downgrade (any other reason): Standard, 2.95% + $0.10/txn

CPS Supermarket Debit - $0.30

Downgrade (for keyed): CPS Card Not Present Debit, 1.65% + $0.15/txn
Downgrade (any other reason): EIRF Debit, 1.75% + $0.20/txn

CPS Supermarket Prepaid - 1.15% + $0.15 (Capped at $0.35)

Downgrade (for keyed): CPS Card Not Present Prepaid, 1.75% + $0.20/txn
Downgrade (any other reason): EIRF Prepaid, 1.80% + $0.20/txn

Regulated Debit - 0.05% + $0.22

Downgrade: This card type does not downgrade.

Who's eligible?

Only supermarkets/grocery stores (MCC 5411) are eligible.

See how interchange works.

Visa Consumer
Interchange Rates