Visa Restaurant Rates

This category of interchange rates is specifically for restaurant merchants

To qualify for the below restaurant rates, merchants must be classified as a restaurant or quick-service merchant (MCC of 5812 or 5814). Below are the basic qualifications, plus you’ll see each type of card that’s eligible for restaurant rates, along with the associated potential downgrade:

Visa Business Cards interchange


  • Be classified as Restaurant (MCC 5812) or Quick-serve Fast Food (MCC 5814)
  • Magnetic stripe, contactless, or chip data read, obtain customer’s signature.
  • Authorize and settle within 1 day.
  • Obtain and pass 1 valid electronic authorization.

What are the rates?

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

CPS Restaurant – 1.54% + $0.10

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