T225 · Cat-19 · Payment Schemes · Visa / Mastercard

Visa/MC Interchange Qualification Tester

Simulate interchange category qualification for a transaction profile. Covers Visa CPS Qualified / Standard / Non-Qualified and Mastercard Merit I / Merit III / Enhanced Best / Standard. Outputs qualification tier, estimated rate, optimisation recommendations, and Policy Mandate JSON interchange policy. Client-side. Zero PII.

Zero PII · Client-side Misqualification penalties average 0.10–0.25% per transaction in misrouted interchange.

Last Reviewed · 2026-05-12

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.

Transaction Profile

Card Scheme

Card Type

Merchant Category

Transaction Amount (USD)

Acceptance Channel

AVS (Address Verification) Performed

CVV / CVC Provided

Same-Day Batch Settlement Delayed settlement triggers a downgrade on most card types

Auth Amount Matches Settlement Amount

3D Secure / 3DS Authentication

Interchange Qualification Result

Full Rate Schedule — All Tiers

Tier	Programme	Rate (% + ¢)	Est. Cost	Key Requirements

Regulatory Citations

[1] Visa, Visa USA Interchange Reimbursement Fees, effective April 2026
[2] Mastercard, Mastercard Interchange Rates & Qualification Guide, effective April 2026
[3] Visa, Visa Core Rules and Visa Product and Service Rules, v15 April 2026
[4] Mastercard, Mastercard Rules, v15 April 2026
[5] EMVCo, EMV 3-D Secure Specification v2.3

About This Tool

This tool simulates interchange qualification for Visa and Mastercard US domestic consumer and commercial transactions. It applies published qualification criteria to determine the applicable interchange tier and indicative rate, and highlights the optimisation steps required to achieve the best available rate.

Interchange rates shown are indicative US domestic rates as of the last review date. Actual interchange varies by card type, issuing bank, merchant category code (MCC), specific product programme, and acquirer agreement. Rates change periodically — always verify against the current Visa and Mastercard published interchange schedules.

⚠ This tool provides indicative interchange qualification guidance only. It does not constitute financial or legal advice. Actual interchange costs are set by the card schemes and vary by merchant agreement. Consult your acquirer or payment facilitator for your actual effective interchange rate. Last Reviewed: 2026-05-09.