T233 · Cat-19 · Payment Schemes · Visa / Mastercard

Card Scheme Fee Benchmarking Tool

Benchmark Visa and Mastercard scheme fees by card type and region (US, EU, UK, APAC). Outputs an estimated scheme fee total, fee-per-transaction breakdown, scheme comparison, optimisation opportunities, and Policy Mandate JSON fee policy. Client-side. Zero PII.

Policy Mandate Export Client-Side. Zero PII.
Last Reviewed: 2026-05-09 · Visa / MC fee schedules US, EU, UK, APAC

🔒 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.
Portfolio Parameters
Total card transactions per month
In local currency (USD / EUR / GBP / AUD)
Card Scheme Fee Benchmark
Regulatory Citations
  • [1] Visa, Visa USA Acquirer Billing — Scheme Fee Schedule, effective April 2026
  • [2] Visa, Visa Europe Acquiring Scheme Fees, effective April 2026
  • [3] Mastercard, Mastercard Acquirer Scheme Fees — Global Schedule, effective April 2026
  • [4] EU Interchange Fee Regulation (IFR) 2015/751 — Interchange cap 0.2% debit, 0.3% credit
  • [5] UK Payment Systems Regulator, Interchange Fee Regulations, 2015 (as retained post-Brexit)
  • [6] Reserve Bank of Australia, Payments System Board Benchmarks, 2024
About This Tool

This tool benchmarks indicative Visa and Mastercard scheme fees (assessment fees, network access fees, and brand fees) by region and card type. Scheme fees are charged by Visa and Mastercard to acquirers on top of interchange. They include items such as the acquirer service fee, network access and brand usage fee (NABU), data service fee, misuse of authorisation fee, and cross-border assessment fees.

Important: Scheme fees are distinct from interchange. This tool models scheme fees only. For interchange modelling use T225 (Visa/MC Interchange Qualification Tester). Combined cost of acceptance = interchange + scheme fees + acquirer processing margin.

⚠ Fee rates shown are indicative benchmarks based on published Visa and Mastercard fee schedules as of the last review date. Actual fees vary by acquirer agreement, volume tier, and specific programme. Always verify with your acquirer's current fee schedule. Last Reviewed: 2026-05-09.

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