Discover
Interchange Rates
The Discover Network
Discover is one of the most widely used credit cards in the United States, along with Visa, MasterCard, and American Express. Discover is very popular among consumers for their low introductory rates, no annual fees, great benefits and rewards, and 24/7 American-based customer service.
What Are Discover Interchange Rates?
Interchange refers to the fee collected by the customer’s credit card bank (Discover, in this instance) on every transaction. These rates are set by Disocver each year and apply to every processor in the payments industry. In simpler terms, interchange is the wholesale cost that the processor has to pay on every credit card transaction. Interchange rates are part of Brightr’s interchange plus pricing plans. We simply pass on the wholesale cost from the card issuer and then add on a transparent, small fee. The tables below provide a breakdown of the current Visa interchange rates.
Current Discover USA Interchange Rates
Card-Type
Interchange Rate
Debit Card-Present | |
---|---|
Discover Debit | 1.100 % + 16¢ |
Discover Debit Regulated | 0.050 % + 22¢ |
Debit Keyed | |
---|---|
Discover Debit Keyed | 1.750 % + 20¢ |
Discover Debit Keyed Regulated | 0.050 % + 22¢ |
Credit Card-Present | |
---|---|
Discover Consumer | 1.560 % + 10¢ |
Discover Rewards | 1.710 % + 10¢ |
Discover Premium | 1.710 % + 10¢ |
Discover Premium Plus | 2.150 % + 10¢ |
Discover Commercial | 2.300 % + 10¢ |
Credit Keyed | |
---|---|
Discover Keyed Consumer | 1.870 % + 10¢ |
Discover Keyed Rewards | 1.970 % + 10¢ |
Discover Keyed Premium | 2.000 % + 10¢ |
Discover Keyed Premium Plus | 2.400 % + 10¢ |
Discover Keyed Commercial | 2.300 % + 10¢ |
Recurring | |
---|---|
Discover Debit Recurring | 1.200 % + 5¢ |
Discover Debit Recurring Regulated | 0.050 % + 22¢ |
Discover Recurring Consumer | 1.350 % + 5¢ |
Discover Recurring Rewards | 1.350 % + 5¢ |
Discover Recurring Premium | 1.350 % + 5¢ |
Discover Recurring Premium Plus | 1.800 % + 5¢ |
Discover Recurring Commercial | 2.300 % + 10¢ |
International (In-Person) | |
---|---|
Discover Card-Present International Debit/Prepaid | 1.200 % |
Discover Card-Present International Consumer | 1.650 % |
Discover Card-Present International Rewards | 1.650 % |
Discover Card-Present International Premium | 1.650 % |
Discover Card-Present International Premium Plus | 1.650 % |
Discover Card-Present International Commercial | 1.900 % |
International (Keyed) | |
---|---|
Discover Keyed International Debit/Prepaid | 1.700 % + 10¢ |
Discover Card-Present International Consumer | 1.700 % + 10¢ |
Discover Card-Present International Rewards | 1.700 % + 10¢ |
Discover Card-Present International Premium | 1.700 % + 10¢ |
Discover Card-Present International Premium Plus | 1.790 % + 10¢ |
Discover Card-Present International Commercial | 1.900 % + 10¢ |
Assessments and Association Fees
Discover Card-Brand | 0.130 % |
Discover Data Usage Fee | 1.95¢ |
Discover Data Transmission Fee | 0.25¢ |
Discover International Cross-Border | 0.8000 % |
Discover International Processing Fee | 0.500 % |