# 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.

Card Machine Pricing · https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees/ · computed 2026-10-19

**Range of the published figures:** 0.12 to 1.15 % (range 0.12 to 1.15 %; 7 published figures; 3 of 8 sources read publish one).

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-type consumer-debit | 0.2 % | 0.2 to 0.2 % | 1 |
| card-type consumer-credit | 0.3 % | 0.3 to 0.3 % | 1 |
| card-type uk-eea-card-not-present-debit | 1.15 % | 1.15 to 1.15 % | 1 |
| card-type uk-non-eea-cap | 1.5 GBP | 1.5 to 1.5 GBP | 1 |
| card-type visa-domestic-consumer-debit | 0.12 % | 0.12 to 0.12 % | 1 |
| card-type visa-domestic-consumer-credit | 0.3 % | 0.3 to 0.3 % | 1 |
| card-type visa-domestic-commercial-debit | 1.15 % | 1.15 to 1.15 % | 1 |
| card-type visa-domestic-commercial-credit | 0.43 % | 0.43 to 0.43 % | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees) | 1.5 GBP | uk-non-eea-cap | 2026-09-12 |
| [PSR market review into cross-border interchange fees](https://www.psr.org.uk/our-work/market-reviews/market-review-into-cross-border-interchange-fees/) | 1.15 % | uk-eea-card-not-present-debit | 2026-09-12 |
| [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees) | 1.15 % | visa-domestic-commercial-debit | 2026-09-12 |
| [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees) | 0.43 % | visa-domestic-commercial-credit | 2026-09-12 |
| [Interchange Fee Regulation (EU) 2015/751 as retained in UK law](https://www.legislation.gov.uk/eur/2015/751/body) | 0.3 % | consumer-credit | 2026-09-12 |
| [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees) | 0.3 % | visa-domestic-consumer-credit | 2026-09-12 |
| [Interchange Fee Regulation (EU) 2015/751 as retained in UK law](https://www.legislation.gov.uk/eur/2015/751/body) | 0.2 % | consumer-debit | 2026-09-12 |
| [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees) | 0.12 % | visa-domestic-consumer-debit | 2026-09-12 |

## The sentence each figure was read from (8)

- [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees), 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](https://www.psr.org.uk/our-work/market-reviews/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)](https://www.mypos.com/en-gb/interchange-scheme-fees), read 2026-09-12: "Visa Domestic Commercial Prepaid and Debit Cards from 1.15% \| € 0.05"
- [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees), read 2026-09-12: "Visa Domestic Commercial Credit Cards from 0.43%"
- [Interchange Fee Regulation (EU) 2015/751 as retained in UK law](https://www.legislation.gov.uk/eur/2015/751/body), 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)](https://www.mypos.com/en-gb/interchange-scheme-fees), read 2026-09-12: "Visa Domestic Consumer Credit Cards from 0.30%"
- [Interchange Fee Regulation (EU) 2015/751 as retained in UK law](https://www.legislation.gov.uk/eur/2015/751/body), 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)](https://www.mypos.com/en-gb/interchange-scheme-fees), 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

- [The Payment Card Interchange Fee Regulations 2015 (SI 2015/1911)](https://www.legislation.gov.uk/uksi/2015/1911/made), read 2026-09-12: every candidate on the page was refused
- [PSR MR18/1.8 card-acquiring market review, final report](https://www.psr.org.uk/publications/market-reviews/mr1818-market-review-into-the-supply-of-card-acquiring-services-final-report/), read 2026-09-12: every candidate on the page was refused
- [Visa UK fees and interchange](https://www.visa.co.uk/about-visa/visa-in-europe/fees-and-interchange.html), read 2026-09-12: read in full and no accepted figure on the page
- [Visa UK domestic multilateral interchange fees (April 2025 table)](https://www.visa.co.uk/content/dam/VCOM/regional/ve/unitedkingdom/PDF/fees-and-interchange/april-25/uk-apr25.pdf), read 2026-09-12: read in full and no accepted figure on the page
- [Mastercard UK merchant interchange rates](https://www.mastercard.com/gb/en/business/support/merchant-interchange-rates.html), 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.

## Sources

- [Interchange Fee Regulation (EU) 2015/751 as retained in UK law](https://www.legislation.gov.uk/eur/2015/751/body) (the publisher's own terms; quoted for reporting and comment)
- [The Payment Card Interchange Fee Regulations 2015 (SI 2015/1911)](https://www.legislation.gov.uk/uksi/2015/1911/made) (the publisher's own terms; quoted for reporting and comment)
- [PSR MR18/1.8 card-acquiring market review, final report](https://www.psr.org.uk/publications/market-reviews/mr1818-market-review-into-the-supply-of-card-acquiring-services-final-report/) (the publisher's own terms; quoted for reporting and comment)
- [PSR market review into cross-border interchange fees](https://www.psr.org.uk/our-work/market-reviews/market-review-into-cross-border-interchange-fees/) (the publisher's own terms; quoted for reporting and comment)
- [Visa UK fees and interchange](https://www.visa.co.uk/about-visa/visa-in-europe/fees-and-interchange.html) (the publisher's own terms; quoted for reporting and comment)
- [Visa UK domestic multilateral interchange fees (April 2025 table)](https://www.visa.co.uk/content/dam/VCOM/regional/ve/unitedkingdom/PDF/fees-and-interchange/april-25/uk-apr25.pdf) (the publisher's own terms; quoted for reporting and comment)
- [myPOS interchange and scheme fees (UK)](https://www.mypos.com/en-gb/interchange-scheme-fees) (the publisher's own terms; quoted for reporting and comment)
- [Mastercard UK merchant interchange rates](https://www.mastercard.com/gb/en/business/support/merchant-interchange-rates.html) (the publisher's own terms; quoted for reporting and comment)
- [psr.org.uk](https://www.psr.org.uk/publications/) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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/.

CSV: https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees.csv
JSON: https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees.json
Embed (plain HTML, static link back): see https://cardmachinepricing.co.uk/datasets/gb-card-payment-interchange-and-scheme-fees/#median