Visa Standard

This is the worst possible rate category for Visa. You’ll want to avoid “standard” rates with proper processing procedures

Standard rates are the worst rates that you can receive on Visa cards. Typically, you’ll receive Standard rates when your sales don’t meet any of the basic qualifications. This can include not submitting AVS data, not settling your sales on time, or failing to submit otherwise required data, based on your merchant type. You want to avoid this rate classification at all costs!

Qualifications

There are no qualifications for Standard rates. This is the worst rate category you can receive, and as such, this is where sales will go if they don’t meet any other better, lower-rate structure categories. As a business, you want to be doing everything you can to avoid letting your sales assess at the Standard rates.

What are the rates?

Credit / Rewards / Signature - 2.70% + $0.10

Downgrade: This card type does not downgrade.

Signature Preferred / Infinite - 2.95% + $0.10

Downgrade: This card type does not downgrade.

Non-Regulated Debit - 1.90% + $0.25

Downgrade: This card type does not downgrade.

Non-Regulated Prepaid - 1.90% + $0.25

Downgrade: This card type does not downgrade.

Who's eligible?

Everyone. Any merchant can receive Standard rates, should they not meet primary qualification within other interchange categories.

See how interchange works.

Visa Consumer
Interchange Rates