Visa Utility

Utility merchants who provide Electricity, Gas, or Water get heavily-reduced interchange rates from Visa

Visa has incredibly low interchange rates for merchants who are classified as a Utility. As these payments are considered “low risk” from a processing perspective, the interchange rates reflect that. You’ll see that many of the rates have no percentage fee, and just a flat, per-transaction fee.

Visa Business Cards interchange


  • Must be classified as a Utility – Water, Gas, Electric, Sanitation (MCC 4900)
  • Authorize and settle within 1 day.
  • Obtain and pass 1 valid electronic authorization.
  • Must be registered with Visa with valid Merchant Verification Value (MVV) on account

What are the rates?

CPS Utility – $0.75

Downgrade (any reason): EIRF, 2.30% + $0.10/txn

Signature / Preferred / Infinite – $0.75

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

CPS Utility Debit – $0.65

Downgrade (any reason): CPS Card-Not-Present Debit, 1.65% + $0.15/txn

CPS Utility Prepaid – $0.65

Downgrade (any reason)CPS Card-Not-Present Prepaid, 1.75% + $0.20/txn

Regulated Debit – 0.05% + $0.22

Downgrade: This card type does not downgrade.

Who’s eligible?

Only Utility-merchants with an MCC of 4900 will qualify.

See how interchange works.

Visa Consumer
Interchange Rates