How Regional Shared Network Interchange Compares

  (part 1 of 2)
  Network Withdrawal Inquiry Deposit
  Star 46?-54? 20?-25? $2-$2.25
  NYCE 38?-55? 25? $2-$2.25
  Pulse 46?-52? 20?-25? $2-$2.25
  Accel/Exchange 45?-55? 25? $2.50
  Co-Op Network 50?-60? 10?-11? $1.15-$1.60
  Shazam 46?-52? 25? $2.25
  Jeanie 45?-51? 20?-25? $2-$2.25
  NetWorks $1.50 75? $3
  MoneyMaker 40?-60? 15?-40? $2
  NATIONAL NETWORKS
  Cirrus 50? 25? N/A
  Plus 50?(g) 25?(g) $2.50(g)
  Maestro 50? 25? N/A
  Interlink NA N/A N/A
  AFFN 45?-56? 20?-25? N/A
  (part 2 of 2)
  Network Transfer 2005 POS 2004 POS
  Star 20?-25? 60?(a) 45?
  NYCE 25? 65?(b) 65?
  Pulse 20?-25? 65?(c) 18?
  Accel/Exchange 25? 45?(d) 45?
  Co-Op Network 10?-11? N/A N/A
  Shazam 25? 15?(e) 10?
  Jeanie 20?-25? 40?(f) 11?
  NetWorks 75? 15? 15?
  MoneyMaker 15?-40? N/A N/A
  NATIONAL NETWORKS
  Cirrus 25? N/A N/A
  Plus 25?(g) N/A N/A
  Maestro 25? 45? 45?
  Interlink N/A 50?(h) 45?
  AFFN 20?-25? 14?-18? 14?-18?
  Source: ATM&Debit News. For ATM withdrawals, inquiries, deposits and transfers, issuers pay acquirers interchange. For purchases, acquirers pay issuers interchange. (a)Nonsupermarket acquirers with less than 5 million monthly Star transactions but large-ticket sales pay 0.65% of the sale plus 12 cents, with a 60 cents cap. Quick-service restaurant acquirers with small-ticket sales and fewer than 5 million monthly transactions pay 0.65% of a sale plus 12.5 cents with a 45 cents cap. Acquirers not in special retail categories with 5 million to 15 million monthly Star transactions pay 0.6% of the sale plus 5 cents, capped at 35 cents, while those with 15 million or more monthly Star transactions pay 0.55% of the sale plus 4 cents, capped at 30 cents. The supermarket rate is a flat 21 cents for merchants with less than 5 million monthly Star transactions, 17 cents for merchants with 5 million to 15 million monthly Star transactions and 15 cents for merchants with at least 15 million monthly transactions. Petroleum merchants with at least 15 million monthly Star transactions pay 0.55% of the sale plus 4 cents, capped at 25 cents. The rate for petroleum merchants with between 5 to 15 million transactions is 0.6% per sale plus 5 cents, capped at 30 cents. The rate for Petroleum merchants with fewer than 5 million monthly transactions is 0.6% of the sale plus 12 cents, capped at 40 cents. A 1 cents administrative fee is added to each transaction, regardless of merchant type or volume tier. (b)Acquirers pay 0.65% of the sale plus 10 cents, capped at 65 cents. Nonsupermarket acquirers with at least $15 billion in overall annual sales pay 0.5% of the sale plus 6 cents capped at 45 cents. The standard supermarket rate is a flat 24 cents. However, an acquirer for a supermarket chain with annual gross domestic sales of $5 billion to $10 billion pays a maximum 22 cents per transaction, while an acquirer for a supermarket with at least $10 billion in gross annual sales pays a flat 17.5 cents per transaction. (c)Pulse sets a top, nonsupermarket rate of 0.65% of a sale plus 10 cents for acquirers with fewer than 500,000 monthly transactions. Acquirers with more than 5 million monthly transactions pay 0.5% of a sale plus 6 cents, with a 45 cents cap. The top supermarket rate is 21 cents for acquirers with fewer than 500,000 monthly Pulse transactions while acquirers with more than 5 million monthly transactions pay 13 cents. (d)Effective July 1, most acquirers pay 0.65% of the sale plus 10 cents, capped at 45 cents for nonsupermarket transactions at stores with less than $10 billion in sales the previous year. Nonsupermarket acquirers with customers that had more than $38 billion in annual sales the previous year pay 0.55% of the sale plus 4 cents, capped at 30 cents. The supermarket rate for stores with less than $10 billion in annual sales is 20 cents, while supermarkets with more than $38 billion in annual sales pay 16 cents. The quick-service restaurant rate is 1.25% of a sale plus 1 cents with a 40-cent cap. (e)Nonsupermarket acquirers with fewer than 1 million Shazam transactions pay 15 cents. The supermarket rate for acquirers with fewer than 1 million monthly transactions is 10 cents per sale. Effective Sept. 1, that rate will rise to 12 cents per sale. All acquirers with more than 2.5 million monthly transactions pay 8 cents per sale. (f)This is a 3-tier rate structure in which nonsupermarket acquirers with less than $50 million in monthly sales pay 0.6% per sale plus 10 cents with a cap of 40 cents. The lowest nonsupermarket rate for acquirers with at least $100 million in monthly sales is 0.3% of a sale plus 4 cents with a 19 cents cap. Supermarket acquirers with less than $50 million in sales pay a flat 18 cents, while supermarket acquirers with $100 million in sales pay 14 cents. Quick-service restaurant acquirers pay 8 cents. (g)This is the top rate issuers will pay acquirers in a new, Tier 1 category. Most nonbank ATM deployers in Tier 2 will receive less in a new Visa Plus rate policy effective October 2005. (h)Acquirers with the lowest sales volume pay 0.75% of the sale plus 15 cents, capped at 50 cents, for nonsupermarket transactions while the highest-volume, nonsupermarket acquirers pay 0.45% of a sale plus 8 cents with a 28 cents cap. Lowest-volume supermarket acquirers pay a flat 24 cents. The highest-volume supermarket acquirers pay a flat 17 cents.
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