{ "name": "Card Machine Pricing GB Card Payment Interchange and Scheme Fees", "title": "GB Card Payment Interchange and Scheme Fees", "url": "https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees/", "csv": "https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees.csv", "markdown": "https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees/index.md", "computed_at": "2026-10-19", "license": "https://cardmachinepricing.co.uk/terms", "headline": "The GB Card Payment Interchange and Scheme Fees carries 7 published figures read from 3 sources' own pages, from 0.12 to 1.15 percent, read 12 September 2026.", "quotes": [ "The GB Card Payment Interchange and Scheme Fees carries 7 published figures read from 3 sources' own pages, from 0.12 to 1.15 percent, read 12 September 2026.", "3 of the 8 named sources read in full publish a figure; 5 publish none, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type consumer-debit: median 0.20 percent across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type consumer-credit: median 0.30 percent across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type uk-eea-card-not-present-debit: median 1.15 percent across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type uk-non-eea-cap: median 1.50 GBP across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type visa-domestic-consumer-debit: median 0.12 percent across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type visa-domestic-consumer-credit: median 0.30 percent across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type visa-domestic-commercial-debit: median 1.15 percent across 1 source, read 12 September 2026.", "GB Card Payment Interchange and Scheme Fees, card-type visa-domestic-commercial-credit: median 0.43 percent across 1 source, read 12 September 2026." ], "citation": "\"Card Machine Pricing GB Card Payment Interchange and Scheme Fees\", updated 2026-10-19, https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees/.", "changed_since": null, "national": { "unit": "%", "n": 7, "median": 0.3, "min": 0.12, "max": 1.15, "p25": 0.2, "p75": 1.15, "mean": 0.5214, "units": { "%": 7, "GBP": 1 }, "published_sources": 3, "named_sources": 9, "read_sources": 8, "not_published": 5, "published_share": 0.375 }, "by_axis": { "card-type": { "consumer-debit": { "%": { "n": 1, "median": 0.2, "min": 0.2, "max": 0.2, "p25": 0.2, "p75": 0.2, "mean": 0.2 } }, "consumer-credit": { "%": { "n": 1, "median": 0.3, "min": 0.3, "max": 0.3, "p25": 0.3, "p75": 0.3, "mean": 0.3 } }, "uk-eea-card-not-present-debit": { "%": { "n": 1, "median": 1.15, "min": 1.15, "max": 1.15, "p25": 1.15, "p75": 1.15, "mean": 1.15 } }, "uk-non-eea-cap": { "GBP": { "n": 1, "median": 1.5, "min": 1.5, "max": 1.5, "p25": 1.5, "p75": 1.5, "mean": 1.5 } }, "visa-domestic-consumer-debit": { "%": { "n": 1, "median": 0.12, "min": 0.12, "max": 0.12, "p25": 0.12, "p75": 0.12, "mean": 0.12 } }, "visa-domestic-consumer-credit": { "%": { "n": 1, "median": 0.3, "min": 0.3, "max": 0.3, "p25": 0.3, "p75": 0.3, "mean": 0.3 } }, "visa-domestic-commercial-debit": { "%": { "n": 1, "median": 1.15, "min": 1.15, "max": 1.15, "p25": 1.15, "p75": 1.15, "mean": 1.15 } }, "visa-domestic-commercial-credit": { "%": { "n": 1, "median": 0.43, "min": 0.43, "max": 0.43, "p25": 0.43, "p75": 0.43, "mean": 0.43 } } } }, "rows": [ { "source": "Interchange Fee Regulation (EU) 2015/751 as retained in UK law", "url": "https://www.legislation.gov.uk/eur/2015/751/body", "figure": "0,2 %", "value": 0.2, "unit": "%", "vat": null, "axis": { "card-type": "consumer-debit" }, "retrieved_at": "2026-09-12", "quote": "Payment service providers shall not offer or request a per transaction interchange fee of more than 0,2 % of the value of the transaction for any [F14UK] debit card transaction .[F15, but this is subject to paragraphs 2 and 3.]", "source_class": "primary-government", "text_sha256": "ae26878e7c496ce8fa5f7948dc8b0a509d1157879a6146f2e6ef7c6f80f3e177" }, { "source": "Interchange Fee Regulation (EU) 2015/751 as retained in UK law", "url": "https://www.legislation.gov.uk/eur/2015/751/body", "figure": "0.3%", "value": 0.3, "unit": "%", "vat": null, "axis": { "card-type": "consumer-credit" }, "retrieved_at": "2026-09-12", "quote": "Payment service providers must not offer or request a per transaction interchange fee of more than 0.3% of the value of the transaction for any UK credit card transaction.", "source_class": "primary-government", "text_sha256": "ae26878e7c496ce8fa5f7948dc8b0a509d1157879a6146f2e6ef7c6f80f3e177" }, { "source": "PSR market review into cross-border interchange fees", "url": "https://www.psr.org.uk/our-work/market-reviews/market-review-into-cross-border-interchange-fees/", "figure": "1.15%", "value": 1.15, "unit": "%", "vat": null, "axis": { "card-type": "uk-eea-card-not-present-debit" }, "retrieved_at": "2026-09-12", "quote": "Shortly after the EU withdrawal, Mastercard and Visa increased interchange fees for Card Not Present UK-EEA transactions using consumer debit and credit cards from 0.2% and 0.3% to 1.15% and 1.5% respectively.", "source_class": "primary-government", "text_sha256": "9c24aa19b44da0aead2d983b0ef30c3dd07fa9f4f7df7586b7dc0559adbcfc3f" }, { "source": "myPOS interchange and scheme fees (UK)", "url": "https://www.mypos.com/en-gb/interchange-scheme-fees", "figure": "£1.50 ", "value": 1.5, "unit": "GBP", "vat": null, "axis": { "card-type": "uk-non-eea-cap" }, "retrieved_at": "2026-09-12", "quote": "As the UK is no longer a member of the EEA, a transaction can be subject to an interchange cap of £1.50 per transaction on their UK Domestic Mastercard Non-Consumer Debit Interchange if the merchant qualifies for the UK Domestic Government & Personal Payments Program (Merchant Category Code 9399).", "source_class": "primary-provider-own-site", "text_sha256": "cf1f37eb11e6ffae8295a780be270f68fd62583fb4fea570e0aa390bd2e234f1" }, { "source": "myPOS interchange and scheme fees (UK)", "url": "https://www.mypos.com/en-gb/interchange-scheme-fees", "figure": "0.12%", "value": 0.12, "unit": "%", "vat": null, "axis": { "card-type": "visa-domestic-consumer-debit" }, "retrieved_at": "2026-09-12", "quote": "Interchange range Scheme fee range Visa Domestic Consumer Prepaid and Debit Card from 0.12%", "source_class": "primary-provider-own-site", "text_sha256": "cf1f37eb11e6ffae8295a780be270f68fd62583fb4fea570e0aa390bd2e234f1" }, { "source": "myPOS interchange and scheme fees (UK)", "url": "https://www.mypos.com/en-gb/interchange-scheme-fees", "figure": "0.30%", "value": 0.3, "unit": "%", "vat": null, "axis": { "card-type": "visa-domestic-consumer-credit" }, "retrieved_at": "2026-09-12", "quote": "Visa Domestic Consumer Credit Cards from 0.30%", "source_class": "primary-provider-own-site", "text_sha256": "cf1f37eb11e6ffae8295a780be270f68fd62583fb4fea570e0aa390bd2e234f1" }, { "source": "myPOS interchange and scheme fees (UK)", "url": "https://www.mypos.com/en-gb/interchange-scheme-fees", "figure": "1.15%", "value": 1.15, "unit": "%", "vat": null, "axis": { "card-type": "visa-domestic-commercial-debit" }, "retrieved_at": "2026-09-12", "quote": "Visa Domestic Commercial Prepaid and Debit Cards from 1.15% | € 0.05", "source_class": "primary-provider-own-site", "text_sha256": "cf1f37eb11e6ffae8295a780be270f68fd62583fb4fea570e0aa390bd2e234f1" }, { "source": "myPOS interchange and scheme fees (UK)", "url": "https://www.mypos.com/en-gb/interchange-scheme-fees", "figure": "0.43%", "value": 0.43, "unit": "%", "vat": null, "axis": { "card-type": "visa-domestic-commercial-credit" }, "retrieved_at": "2026-09-12", "quote": "Visa Domestic Commercial Credit Cards from 0.43%", "source_class": "primary-provider-own-site", "text_sha256": "cf1f37eb11e6ffae8295a780be270f68fd62583fb4fea570e0aa390bd2e234f1" } ], "not_published": [ { "source": "The Payment Card Interchange Fee Regulations 2015 (SI 2015/1911)", "url": "https://www.legislation.gov.uk/uksi/2015/1911/made", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "PSR MR18/1.8 card-acquiring market review, final report", "url": "https://www.psr.org.uk/publications/market-reviews/mr1818-market-review-into-the-supply-of-card-acquiring-services-final-report/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Visa UK fees and interchange", "url": "https://www.visa.co.uk/about-visa/visa-in-europe/fees-and-interchange.html", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Visa UK domestic multilateral interchange fees (April 2025 table)", "url": "https://www.visa.co.uk/content/dam/VCOM/regional/ve/unitedkingdom/PDF/fees-and-interchange/april-25/uk-apr25.pdf", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Mastercard UK merchant interchange rates", "url": "https://www.mastercard.com/gb/en/business/support/merchant-interchange-rates.html", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://www.legislation.gov.uk/eur/2015/751/body", "label": "Interchange Fee Regulation (EU) 2015/751 as retained in UK law", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.legislation.gov.uk/uksi/2015/1911/made", "label": "The Payment Card Interchange Fee Regulations 2015 (SI 2015/1911)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.psr.org.uk/publications/market-reviews/mr1818-market-review-into-the-supply-of-card-acquiring-services-final-report/", "label": "PSR MR18/1.8 card-acquiring market review, final report", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.psr.org.uk/our-work/market-reviews/market-review-into-cross-border-interchange-fees/", "label": "PSR market review into cross-border interchange fees", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.visa.co.uk/about-visa/visa-in-europe/fees-and-interchange.html", "label": "Visa UK fees and interchange", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.visa.co.uk/content/dam/VCOM/regional/ve/unitedkingdom/PDF/fees-and-interchange/april-25/uk-apr25.pdf", "label": "Visa UK domestic multilateral interchange fees (April 2025 table)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.mypos.com/en-gb/interchange-scheme-fees", "label": "myPOS interchange and scheme fees (UK)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.mastercard.com/gb/en/business/support/merchant-interchange-rates.html", "label": "Mastercard UK merchant interchange rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.psr.org.uk/publications/", "label": "psr.org.uk", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 8 named sources that could be read published a usable figure; 5 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 7 figures, never sentences; 25 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): The three layers of a UK card rate, separated: the regulated interchange cap that applies to a UK consumer card at a UK terminal (the retained Interchange Fee Regulation, enforced by the PSR), the schemes' own published UK scheme and processing fees, and the RESIDUAL - the rate a provider prints in gb-card-machine-price-index minus interchange minus scheme fee, per provider. The caps and the scheme tables are published; the residual is not, and it is the only number that says what a buyer is actually paying the acquirer for.", "embed": "

0.12 to 1.15 percent

7 published figures, GB Card Payment Interchange and Scheme Fees, across 3 sources, read 12 September 2026

Source: Card Machine Pricing GB Card Payment Interchange and Scheme Fees
" }