Tool 52 · Treasury & Card Economics

Interchange Fee Optimizer
& Pricing Model Comparator

Model your blended U.S. interchange cost across Visa, Mastercard, Amex, and Discover. Compare flat-rate, interchange-plus, and tiered pricing side-by-side. Quantify Level 2/3 data savings, PIN vs. signature debit routing economics, and estimate your cost if the same volume ran on A2A rails.

Zero PII · Client-Side Only April 2026 Rate Tables Visa · MC · Amex · Discover L2/L3 · PIN Routing · A2A Teaser
↻ Rates last updated: April 2026  ·  Visa & Mastercard publish schedules semi-annually (April, October)
Volume & Transaction Mix
40%
← More CPMore CNP →
Card Network Mix (must total 100%)
Card Type & Merchant Profile
55%
25%
20%
60%
Debit volume eligible for routing to PIN networks (STAR, PULSE, Interlink)
Pricing Models
Flat-Rate (e.g., Stripe 2.9% + 30¢)
Interchange-Plus
Tiered / Bundled
45%
Remainder is downgraded to non-qualified rate
Merchant PresetsQuick-Fill

Load a typical merchant profile to pre-populate all inputs. Values are illustrative — adjust to match your actual profile.

Blended Interchange
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Weighted avg rate
Monthly Txn Count
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Vol ÷ avg ticket
Cheapest Model
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Max Annual Savings
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vs. most expensive
Network Cost BreakdownApril 2026
Awaiting inputs…
Three-Model Pricing ComparisonMonthly · Annual
Metric Flat-Rate IC-Plus Tiered
Set inputs above and click Recalculate →
Level 2 / Level 3 Data SavingsB2B

Passing enhanced data on business/commercial card transactions qualifies for lower interchange tiers. Savings apply only to the business card portion of your volume.

Level 2 Savings (est.)
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Add PO number + tax amount. Typical reduction: 20–30 bps on qualifying B2B transactions.
Level 3 Savings (est.)
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Full line-item detail. Additional 10–20 bps reduction beyond Level 2.
📋 Visa CEDP Product 3 — April 2026 Update
Visa launched Commercial Enhanced Data Program (CEDP) Product 3 in April 2025. Note: Visa began sunsetting the legacy Level 2 enhanced-data program in April 2026. Merchants processing B2B volume should confirm CEDP migration status with their acquirer. Mastercard's Commercial Data program remains the parallel qualification path.
PIN vs. Signature Debit RoutingDurbin / Reg II

Durbin Amendment (Reg II) entitles merchants to route eligible debit transactions over the lowest-cost network available. PIN debit via regional networks typically costs materially less than signature debit.

Signature Debit
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Visa/MC network rate
Non-regulated issuers: ~1.65% + $0.04. Regulated (Durbin): capped at $0.21 + 0.05%.
PIN Debit (STAR/PULSE)
$0.21 + 0.05%
Regulated network cap
Regional networks (STAR, PULSE, Interlink, NYCE): regulated cap $0.21 + 0.05%. No percentage on non-regulated.
Monthly PIN Routing Savings (est.) On your PIN-eligible debit volume at the current slip
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A2A Rail Migration TeaserZero Interchange

Account-to-account payments via FedNow or RTP carry zero interchange. The estimate below uses a FedNow sender-fee benchmark of $0.045/txn — no percentage component, no network assessment.

Estimated Monthly Cost on A2A Rails
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A2A Fee Calc → Corridor Savings →