GB Card Payment Interchange and Scheme Fees
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.
By card-type
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| card-typeconsumer-debit | 0.2% | 0.2 to 0.2% | 1 |
| card-typeconsumer-credit | 0.3% | 0.3 to 0.3% | 1 |
| card-typeuk-eea-card-not-present-debit | 1.15% | 1.15 to 1.15% | 1 |
| card-typeuk-non-eea-cap | 1.5GBP | 1.5 to 1.5GBP | 1 |
| card-typevisa-domestic-consumer-debit | 0.12% | 0.12 to 0.12% | 1 |
| card-typevisa-domestic-consumer-credit | 0.3% | 0.3 to 0.3% | 1 |
| card-typevisa-domestic-commercial-debit | 1.15% | 1.15 to 1.15% | 1 |
| card-typevisa-domestic-commercial-credit | 0.43% | 0.43 to 0.43% | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| myPOS interchange and scheme fees (UK) | 1.5GBP | uk-non-eea-cap | 2026-09-12 |
| PSR market review into cross-border interchange fees | 1.15% | uk-eea-card-not-present-debit | 2026-09-12 |
| myPOS interchange and scheme fees (UK) | 1.15% | visa-domestic-commercial-debit | 2026-09-12 |
| myPOS interchange and scheme fees (UK) | 0.43% | visa-domestic-commercial-credit | 2026-09-12 |
| Interchange Fee Regulation (EU) 2015/751 as retained in UK law | 0.3% | consumer-credit | 2026-09-12 |
| myPOS interchange and scheme fees (UK) | 0.3% | visa-domestic-consumer-credit | 2026-09-12 |
| Interchange Fee Regulation (EU) 2015/751 as retained in UK law | 0.2% | consumer-debit | 2026-09-12 |
| myPOS interchange and scheme fees (UK) | 0.12% | visa-domestic-consumer-debit | 2026-09-12 |
The sentence each figure was read from (8)
- myPOS interchange and scheme fees (UK), read 2026-09-12:
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).
- PSR market review into cross-border interchange fees, read 2026-09-12:
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.
- myPOS interchange and scheme fees (UK), read 2026-09-12:
Visa Domestic Commercial Prepaid and Debit Cards from 1.15% | € 0.05
- myPOS interchange and scheme fees (UK), read 2026-09-12:
Visa Domestic Commercial Credit Cards from 0.43%
- Interchange Fee Regulation (EU) 2015/751 as retained in UK law, read 2026-09-12:
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.
- myPOS interchange and scheme fees (UK), read 2026-09-12:
Visa Domestic Consumer Credit Cards from 0.30%
- Interchange Fee Regulation (EU) 2015/751 as retained in UK law, read 2026-09-12:
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.]
- myPOS interchange and scheme fees (UK), read 2026-09-12:
Interchange range Scheme fee range Visa Domestic Consumer Prepaid and Debit Card from 0.12%
Read in full, publishes no figure
5 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- The Payment Card Interchange Fee Regulations 2015 (SI 2015/1911), read 2026-09-12: every candidate on the page was refused
- PSR MR18/1.8 card-acquiring market review, final report, read 2026-09-12: every candidate on the page was refused
- Visa UK fees and interchange, read 2026-09-12: read in full and no accepted figure on the page
- Visa UK domestic multilateral interchange fees (April 2025 table), read 2026-09-12: read in full and no accepted figure on the page
- Mastercard UK merchant interchange rates, read 2026-09-12: read in full and no accepted figure on the page
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.
25 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (9)
- Interchange Fee Regulation (EU) 2015/751 as retained in UK law(the publisher's own terms; quoted for reporting and comment)
- The Payment Card Interchange Fee Regulations 2015 (SI 2015/1911)(the publisher's own terms; quoted for reporting and comment)
- PSR MR18/1.8 card-acquiring market review, final report(the publisher's own terms; quoted for reporting and comment)
- PSR market review into cross-border interchange fees(the publisher's own terms; quoted for reporting and comment)
- Visa UK fees and interchange(the publisher's own terms; quoted for reporting and comment)
- Visa UK domestic multilateral interchange fees (April 2025 table)(the publisher's own terms; quoted for reporting and comment)
- myPOS interchange and scheme fees (UK)(the publisher's own terms; quoted for reporting and comment)
- Mastercard UK merchant interchange rates(the publisher's own terms; quoted for reporting and comment)
- psr.org.uk(the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
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.
Cite as: "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/.
Download the CSV (8 rows, computed 2026-10-19)