Our gateway optimizes data fields, providing instant access to Level II & Level III savings. B2B & B2G purchases can qualify for lower rates by entering additional data at the time of the transaction. Businesses that accept business, or government cards can qualify for level III rates and can benefit from significant savings.
Large ticket transactions frequently benefit from interchange optimization. PayTrace knows which cards qualify for Level II and Level III interchange savings. We are optimized to intelligently process the most Level II and Level III qualifying data. This enables us to deliver the opportunity for lower merchant processing fees. We turn hours of work into seconds; making your work easy and saving labor costs.
PayTrace's expertise with interchange optimization enables merchants to settle a lot of transactions, and we're pretty accurate, too.
Interchange is a rate or fee charged by banks to cover the cost of handling and risk involved in bank credit or debit card transactions.
On our platform, merchants qualify for the best interchange rates on every transaction. Our omni channel solution for secure payments is available online, in-office POS, and through any mobile device. Even merchants accepting payments through common accounting software, CRM, and ERP applications connecting to our API are saving with interchange optimization.
In addition to the interchange rate, credit card processing companies often include other fees that are passed along to merchants as part of their processing costs.
Interchange rates are set by credit card companies such as MasterCard, Visa, American Express, and Discover. Visa and MasterCard typically publish updated interchange rates in April and October.
These rates are current as of April 2020, and now effective July 2020 for the public.
VISA and MasterCard require different amounts of data to qualify for Level II and Level III rates. PayTrace auto-fills this data so merchants can qualify for higher savings on each transaction.
We've partnered with CCSalesPro to create a prospecting tool that analyzes B2B merchant credit card statements. See a true dollar total of how qualifying for Level III can impact the bottom line.
MasterCard wants all the data. To qualify for the best data rates, make sure you input info into ALL PO fields and tax amounts greater than $0. If you don't, the "standard rate monster" will be knocking at your door.
| PayTrace Interchange Optimization | Best Rates | Awesome Rates | Better Rates | Less Optimal Rates |
| MC BUSINESS DEBIT CARD | N/A | 2.10% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 1 CARD | N/A | 1.90% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 2 CARD | N/A | 2.05% + $0.10 | 2.80% + $0.10 | 3.10% + $0.10 |
| MC BUSINESS LVL 3 CARD | N/A | 2.10% + $0.10 | 2.85% + $0.10 | 3.15% + $0.10 |
| MC BUSINESS LVL 4 CARD | N/A | 2.20% + $0.10 | 2.95% + $0.10 | 3.25% + $0.10 |
| Large Market Credit |
1.90% + $0.10
*May qualify for large ticket |
2.50% + $0.10 | 2.70% + $0.10 | 2.95% + $0.10 |
| Commercial Prepaid | N/A | 2.65% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| Large Ticket | 1.45% + $35.00 | N/A | N/A | N/A |
| PayTrace Interchange Optimization | Best Rates | Awesome Rates | Better Rates | Less Optimal Rates |
| MC BUSINESS DEBIT CARD | N/A | 2.10% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 1 CARD | N/A | 1.90% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 2 CARD | N/A | 2.05% + $0.10 | 2.80% + $0.10 | 3.10% + $0.10 |
| MC BUSINESS LVL 3 CARD | N/A | 2.10% + $0.10 | 2.85% + $0.10 | 3.15% + $0.10 |
| MC BUSINESS LVL 4 CARD | N/A | 2.20% + $0.10 | 2.95% + $0.10 | 3.25% + $0.10 |
| Large Market Credit |
1.90% + $0.10
*May qualify for large ticket |
2.50% + $0.10 | 2.70% + $0.10 | 2.95% + $0.10 |
| Commercial Prepaid | N/A | 2.65% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| Large Ticket | 1.45% + $35.00 | N/A | N/A | N/A |
| PayTrace Interchange Optimization | Best Rates | Awesome Rates |
| MC BUSINESS DEBIT CARD | N/A | 2.10% + $0.10 |
| MC BUSINESS LVL 1 CARD | N/A | 1.90% + $0.10 |
| MC BUSINESS LVL 2 CARD | N/A | 2.05% + $0.10 |
| MC BUSINESS LVL 3 CARD | N/A | 2.10% + $0.10 |
| MC BUSINESS LVL 4 CARD | N/A | 2.20% + $0.10 |
| Large Market Credit |
1.90% + $0.10
*May qualify for large ticket |
2.50% + $0.10 |
| Commercial Prepaid | N/A | 2.65% + $0.10 |
| Large Ticket | 1.45% + $35.00 | N/A |
| PayTrace Interchange Optimization | Better Rates | Less Optimal Rates |
| MC BUSINESS DEBIT CARD | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 1 CARD | 2.65% + $0.10 | 2.95% + $0.10 |
| MC BUSINESS LVL 2 CARD | 2.80% + $0.10 | 3.10% + $0.10 |
| MC BUSINESS LVL 3 CARD | 2.85% + $0.10 | 3.15% + $0.10 |
| MC BUSINESS LVL 4 CARD | 2.95% + $0.10 | 3.25% + $0.10 |
| Large Market Credit | 2.70% + $0.10 | 2.95% + $0.10 |
| Commercial Prepaid | 2.65% + $0.10 | 2.95% + $0.10 |
| Large Ticket | N/A | N/A |
| PayTrace Interchange Optimization | Best Rates |
| MC BUSINESS DEBIT CARD | N/A |
| MC BUSINESS LVL 1 CARD | N/A |
| MC BUSINESS LVL 2 CARD | N/A |
| MC BUSINESS LVL 3 CARD | N/A |
| MC BUSINESS LVL 4 CARD | N/A |
| Large Market Credit |
1.90% + $0.10
*May qualify for large ticket |
| Commercial Prepaid | N/A |
| Large Ticket | 1.45% + $35.00 |
| PayTrace Interchange Optimization | Awesome Rates |
| MC BUSINESS DEBIT CARD | 2.10% + $0.10 |
| MC BUSINESS LVL 1 CARD | 1.90% + $0.10 |
| MC BUSINESS LVL 2 CARD | 2.05% + $0.10 |
| MC BUSINESS LVL 3 CARD | 2.10% + $0.10 |
| MC BUSINESS LVL 4 CARD | 2.20% + $0.10 |
| Large Market Credit | 2.50% + $0.10 |
| Commercial Prepaid | 2.65% + $0.10 |
| Large Ticket | N/A |
| PayTrace Interchange Optimization | Better Rates |
| MC BUSINESS DEBIT CARD | 2.65% + $0.10 |
| MC BUSINESS LVL 1 CARD | 2.65% + $0.10 |
| MC BUSINESS LVL 2 CARD | 2.80% + $0.10 |
| MC BUSINESS LVL 3 CARD | 2.85% + $0.10 |
| MC BUSINESS LVL 4 CARD | 2.95% + $0.10 |
| Large Market Credit | 2.70% + $0.10 |
| Commercial Prepaid | 2.65% + $0.10 |
| Large Ticket | N/A |
| PayTrace Interchange Optimization | Less Optimal Rates |
| MC BUSINESS DEBIT CARD | 2.95% + $0.10 |
| MC BUSINESS LVL 1 CARD | 2.95% + $0.10 |
| MC BUSINESS LVL 2 CARD | 3.10% + $0.10 |
| MC BUSINESS LVL 3 CARD | 3.15% + $0.10 |
| MC BUSINESS LVL 4 CARD | 3.25% + $0.10 |
| Large Market Credit | 2.95% + $0.10 |
| Commercial Prepaid | 2.95% + $0.10 |
| Large Ticket | N/A |
| PayTrace Interchange Optimization | Best Rates |
| MC BUSINESS DEBIT CARD | N/A |
| MC BUSINESS LVL 1 CARD | N/A |
| MC BUSINESS LVL 2 CARD | N/A |
| MC BUSINESS LVL 3 CARD | N/A |
| MC BUSINESS LVL 4 CARD | N/A |
| Large Market Credit |
1.90% + $0.10
*May qualify for large ticket |
| Commercial Prepaid | N/A |
| Large Ticket | 1.45% + $35.00 |
| PayTrace Interchange Optimization | Awesome Rates |
| MC BUSINESS DEBIT CARD | 2.10% + $0.10 |
| MC BUSINESS LVL 1 CARD | 1.90% + $0.10 |
| MC BUSINESS LVL 2 CARD | 2.05% + $0.10 |
| MC BUSINESS LVL 3 CARD | 2.10% + $0.10 |
| MC BUSINESS LVL 4 CARD | 2.20% + $0.10 |
| Large Market Credit | 2.50% + $0.10 |
| Commercial Prepaid | 2.65% + $0.10 |
| Large Ticket | N/A |
| PayTrace Interchange Optimization | Better Rates |
| MC BUSINESS DEBIT CARD | 2.65% + $0.10 |
| MC BUSINESS LVL 1 CARD | 2.65% + $0.10 |
| MC BUSINESS LVL 2 CARD | 2.80% + $0.10 |
| MC BUSINESS LVL 3 CARD | 2.85% + $0.10 |
| MC BUSINESS LVL 4 CARD | 2.95% + $0.10 |
| Large Market Credit | 2.70% + $0.10 |
| Commercial Prepaid | 2.65% + $0.10 |
| Large Ticket | N/A |
| PayTrace Interchange Optimization | Less Optimal Rates |
| MC BUSINESS DEBIT CARD | 2.95% + $0.10 |
| MC BUSINESS LVL 1 CARD | 2.95% + $0.10 |
| MC BUSINESS LVL 2 CARD | 3.10% + $0.10 |
| MC BUSINESS LVL 3 CARD | 3.15% + $0.10 |
| MC BUSINESS LVL 4 CARD | 3.25% + $0.10 |
| Large Market Credit | 2.95% + $0.10 |
| Commercial Prepaid | 2.95% + $0.10 |
| Large Ticket | N/A |
All rates noted above are publicly available.
MasterCard rates and rules subject to change.
Always submit AVS information and a PO number with your transactions. If you're able to include a tax value greater than $0, you'll qualify for Level II and Level III rates, which are even lower than regular B2B rates.
| What’s required? | Level 3 Data | Level 2 Data Tax > $0 | B2B MCC Tax = $0 | Swipe Tax = $0 | Key-in Tax = $0 | No Tax | No AVS No Tax |
| PayTrace Interchange Optimization | Best Rates | Awesome Rates | Great Rates | Better Rates | Good Rates | Less Optimal | Least Optimal |
| VISA COMMERCIAL PREPAID CARD | N/A | N/A | N/A | 2.15% + $0.10 | 2.65% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 1.90% + $0.10 | 2.50% + $0.10 | N/A | 2.50% + $0.10 | 2.70% + $0.10 | 2.95% + $0.10 | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | N/A | 2.05% + $0.10 | 2.10% + $0.10 | 2.20% + $0.10 | 2.25% + $0.10 | 2.40% + $0.10 | 2.95% + $0.20 |
| VISA BUSINESS TIER 2 CARD | N/A | 2.05% + $0.10 | 2.25% + $0.10 | 2.30% + $0.10 | 2.45% + $0.15 | 2.75% + $0.15 | 2.95% + $0.20 |
| VISA BUSINESS TIER 3 CARD | N/A | 2.05% + $0.10 | 2.40% + $0.10 | 2.40% + $0.10 | 2.60% + $0.20 | 2.85% + $0.20 | 2.95% + $0.20 |
| VISA BUSINESS TIER 4 CARD | N/A | 2.20% + $0.10 | 2.50% + $0.10 | 2.50% + $0.10 | 2.70% + $0.20 | 2.95% + $0.20 | 2.95% + $0.25 |
| What’s required? | Level 3 Data | Level 2 Data Tax > $0 | B2B MCC Tax = $0 |
| PayTrace Interchange Optimization | Best Rates | Awesome Rates | Great Rates |
| VISA COMMERCIAL PREPAID CARD | N/A | N/A | N/A |
| VISA CORPORATE / PURCHASING CARD | 1.90% + $0.10 | 2.50% + $0.10 | N/A |
| VISA BUSINESS TIER 1 CARD | N/A | 2.05% + $0.10 | 2.10% + $0.10 |
| VISA BUSINESS TIER 2 CARD | N/A | 2.05% + $0.10 | 2.25% + $0.10 |
| VISA BUSINESS TIER 3 CARD | N/A | 2.05% + $0.10 | 2.40% + $0.10 |
| VISA BUSINESS TIER 4 CARD | N/A | 2.20% + $0.10 | 2.50% + $0.10 |
| What’s required? | Swipe Tax = $0 | Key-in Tax = $0 | No Tax | No AVS No Tax |
| PayTrace Interchange Optimization | Better Rates | Good Rates | Less Optimal | Least Optimal |
| VISA COMMERCIAL PREPAID CARD | 2.15% + $0.10 | 2.65% + $0.10 | 2.65% + $0.10 | 2.95% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.50% + $0.10 | 2.70% + $0.10 | 2.95% + $0.10 | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.20% + $0.10 | 2.25% + $0.10 | 2.40% + $0.10 | 2.95% + $0.20 |
| VISA BUSINESS TIER 2 CARD | 2.30% + $0.10 | 2.45% + $0.15 | 2.75% + $0.15 | 2.95% + $0.20 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 | 2.60% + $0.20 | 2.85% + $0.20 | 2.95% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 | 2.70% + $0.20 | 2.95% + $0.20 | 2.95% + $0.25 |
| What’s required? | Level 3 Data | Level 2 Data Tax > $0 |
| PayTrace Interchange Optimization | Best Rates | Awesome Rates |
| VISA COMMERCIAL PREPAID CARD | N/A | N/A |
| VISA CORPORATE / PURCHASING CARD | 1.90% + $0.10 | 2.50% + $0.10 |
| VISA BUSINESS TIER 1 CARD | N/A | 2.05% + $0.10 |
| VISA BUSINESS TIER 2 CARD | N/A | 2.05% + $0.10 |
| VISA BUSINESS TIER 3 CARD | N/A | 2.05% + $0.10 |
| VISA BUSINESS TIER 4 CARD | N/A | 2.20% + $0.10 |
| What’s required? | B2B MCC Tax = $0 |
| PayTrace Interchange Optimization | Great Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | N/A |
| VISA BUSINESS TIER 1 CARD | 2.10% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.25% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 |
| What’s required? | Swipe Tax = $0 | Key-in Tax = $0 |
| PayTrace Interchange Optimization | Better Rates | Good Rates |
| VISA COMMERCIAL PREPAID CARD | 2.15% + $0.10 | 2.65% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.50% + $0.10 | 2.70% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.20% + $0.10 | 2.25% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.30% + $0.10 | 2.45% + $0.15 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 | 2.60% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 | 2.70% + $0.20 |
| What’s required? | No Tax | No AVS No Tax |
| PayTrace Interchange Optimization | Less Optimal | Least Optimal |
| VISA COMMERCIAL PREPAID CARD | 2.65% + $0.10 | 2.95% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.95% + $0.10 | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.40% + $0.10 | 2.95% + $0.20 |
| VISA BUSINESS TIER 2 CARD | 2.75% + $0.15 | 2.95% + $0.20 |
| VISA BUSINESS TIER 3 CARD | 2.85% + $0.20 | 2.95% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.95% + $0.20 | 2.95% + $0.25 |
| What’s required? | Level 3 Data |
| PayTrace Interchange Optimization | Best Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | 1.90% + $0.10 |
| VISA BUSINESS TIER 1 CARD | N/A |
| VISA BUSINESS TIER 2 CARD | N/A |
| VISA BUSINESS TIER 3 CARD | N/A |
| VISA BUSINESS TIER 4 CARD | N/A |
| What’s required? | Level 2 Data Tax > $0 |
| PayTrace Interchange Optimization | Awesome Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | 2.50% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.05% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.05% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.05% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.20% + $0.10 |
| What’s required? | B2B MCC Tax = $0 |
| PayTrace Interchange Optimization | Great Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | N/A |
| VISA BUSINESS TIER 1 CARD | 2.10% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.25% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 |
| What’s required? | Swipe Tax = $0 |
| PayTrace Interchange Optimization | Better Rates |
| VISA COMMERCIAL PREPAID CARD | 2.15% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.50% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.20% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.30% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 |
| What’s required? | Key-in Tax = $0 |
| PayTrace Interchange Optimization | Good Rates |
| VISA COMMERCIAL PREPAID CARD | 2.65% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.70% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.25% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.45% + $0.15 |
| VISA BUSINESS TIER 3 CARD | 2.60% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.70% + $0.20 |
| What’s required? | No Tax |
| PayTrace Interchange Optimization | Less Optimal |
| VISA COMMERCIAL PREPAID CARD | 2.65% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.75% + $0.15 |
| VISA BUSINESS TIER 3 CARD | 2.85% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.95% + $0.20 |
| What’s required? | No AVS No Tax |
| PayTrace Interchange Optimization | Least Optimal |
| VISA COMMERCIAL PREPAID CARD | 2.95% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.95% + $0.20 |
| VISA BUSINESS TIER 2 CARD | 2.95% + $0.20 |
| VISA BUSINESS TIER 3 CARD | 2.95% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.95% + $0.25 |
| What’s required? | Level 3 Data |
| PayTrace Interchange Optimization | Best Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | 1.90% + $0.10 |
| VISA BUSINESS TIER 1 CARD | N/A |
| VISA BUSINESS TIER 2 CARD | N/A |
| VISA BUSINESS TIER 3 CARD | N/A |
| VISA BUSINESS TIER 4 CARD | N/A |
| What’s required? | Level 2 Data Tax > $0 |
| PayTrace Interchange Optimization | Awesome Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | 2.50% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.05% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.05% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.05% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.20% + $0.10 |
| What’s required? | B2B MCC Tax = $0 |
| PayTrace Interchange Optimization | Great Rates |
| VISA COMMERCIAL PREPAID CARD | N/A |
| VISA CORPORATE / PURCHASING CARD | N/A |
| VISA BUSINESS TIER 1 CARD | 2.10% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.25% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 |
| What’s required? | Swipe Tax = $0 |
| PayTrace Interchange Optimization | Better Rates |
| VISA COMMERCIAL PREPAID CARD | 2.15% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.50% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.20% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.30% + $0.10 |
| VISA BUSINESS TIER 3 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 4 CARD | 2.50% + $0.10 |
| What’s required? | Key-in Tax = $0 |
| PayTrace Interchange Optimization | Good Rates |
| VISA COMMERCIAL PREPAID CARD | 2.65% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.70% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.25% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.45% + $0.15 |
| VISA BUSINESS TIER 3 CARD | 2.60% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.70% + $0.20 |
| What’s required? | No Tax |
| PayTrace Interchange Optimization | Less Optimal |
| VISA COMMERCIAL PREPAID CARD | 2.65% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.40% + $0.10 |
| VISA BUSINESS TIER 2 CARD | 2.75% + $0.15 |
| VISA BUSINESS TIER 3 CARD | 2.85% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.95% + $0.20 |
| What’s required? | No AVS No Tax |
| PayTrace Interchange Optimization | Least Optimal |
| VISA COMMERCIAL PREPAID CARD | 2.95% + $0.10 |
| VISA CORPORATE / PURCHASING CARD | 2.95% + $0.10 |
| VISA BUSINESS TIER 1 CARD | 2.95% + $0.20 |
| VISA BUSINESS TIER 2 CARD | 2.95% + $0.20 |
| VISA BUSINESS TIER 3 CARD | 2.95% + $0.20 |
| VISA BUSINESS TIER 4 CARD | 2.95% + $0.25 |
All rates noted above are publicly available.
Visa rates and rules subject to change.
These "tiers" or "levels" are typically known as the Annual Account Spend. The card category is based on how much money your customer spends with this card on an annual basis. The more money that's spent on any given business card, the higher the rates.
| Customer Annual Spend | |
|---|---|
| VISA BUSINESS TIER 1 CARD | Less than $20,000 |
| VISA BUSINESS TIER 2 CARD | $20,001 – $39,999 |
| VISA BUSINESS TIER 3 CARD | $40,000 – $99,999 |
| VISA BUSINESS TIER 4 CARD | Over $100,000 |
| Customer Annual Spend | |
|---|---|
| MC BUSINESS LVL 1 CARD | Less than $25,000 |
| MC BUSINESS LVL 2 CARD | $25,001 – $50,000 |
| MC BUSINESS LVL 3 CARD | $50,001 – $100,000 |
| MC BUSINESS LVL 4 CARD | Over $100,000 |
Level II and Level III rates apply to B2B purchases, and PayTrace works best with those qualifying purchases. B2B merchants are all around you.
| MCC 8931 | Accounting, Auditing, and Bookkeeping Services | MCC 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services | MCC 7392 | Management, Consulting, and Public Relations Services | MCC 5198 | Paints, Varnishes and Supplies |
| MCC 7311 | Advertising Services | MCC 5039 | Construction Materials | MCC 5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies | MCC 5044 | Photographic, Photocopy, Microfilm Equipment and Software |
| MCC 5192 | Books, Periodicals and Newspapers | MCC 5099 | Durable Goods | MCC 5137 | Men's, Women's, and Children's Uniforms and Commercial Clothing | MCC 5131 | Piece Goods, Notions, and Other Dry Goods |
| MCC 7399 | Business Services | MCC 5065 | Electrical Parts and Equipment | MCC 5051 | Metal Service Centers and Offices | MCC 5074 | Plumbing and Heating Equipment and Supplies |
| MCC 5169 | Chemicals and Allied Products | MCC 7361 | Employment Agencies and Temporary Help Services | MCC 2741 | Miscellaneous Publishing and Printing | MCC 8999 | Professional Services |
| MCC 7349 | Cleaning, Maintenance, and Janitorial Services | MCC 5193 | Florist Supplies, Nursery Stock and Flowers | MCC 7829 | Motion Picture and Video Tape Production and Distribution | MCC 1799 | Special Trade Contractors |
| MCC 5046 | Commercial Equipment | MCC 5085 | Industrial Supplies | MCC 4214 | Motor Freight Carriers and Trucking | MCC 2842 | Specialty Cleaning, Polishing and Sanitation Preparations |
| MCC 5139 | Commercial Footwear | MCC 7375 | Information Retrieval Services | MCC 5199 | Nondurable Goods | MCC 8734 | Testing Laboratories (Non-Medical Testing) |
| MCC 7333 | Commercial Photography, Art, and Graphics | MCC 6300 | Insurance Sales, Underwriting, and Premiums | MCC 5021 | Office and Commercial Furniture | MCC 2791 | Typesetting, Plate Making and Related Services |
| MCC 7379 | Computer Maintenance, Repair and Services | MCC 0780 | Landscaping and Horticultural Services |
| MCC 8931 | Accounting, Auditing, and Bookkeeping Services | MCC 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services | MCC 7392 | Management, Consulting, and Public Relations Services |
| MCC 5198 | Paints, Varnishes and Supplies | MCC 7311 | Advertising Services | MCC 5039 | Construction Materials |
| MCC 5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies | MCC 5044 | Photographic, Photocopy, Microfilm Equipment and Software | MCC 5192 | Books, Periodicals and Newspapers |
| MCC 5099 | Durable Goods | MCC 5137 | Men's, Women's, and Children's Uniforms and Commercial Clothing | MCC 5131 | Piece Goods, Notions, and Other Dry Goods |
| MCC 7399 | Business Services | MCC 5065 | Electrical Parts and Equipment | MCC 5051 | Metal Service Centers and Offices |
| MCC 5074 | Plumbing and Heating Equipment and Supplies | MCC 5169 | Chemicals and Allied Products | MCC 7361 | Employment Agencies and Temporary Help Services |
| MCC 2741 | Miscellaneous Publishing and Printing | MCC 8999 | Professional Services | MCC 7349 | Cleaning, Maintenance, and Janitorial Services |
| MCC 5193 | Florist Supplies, Nursery Stock and Flowers | MCC 7829 | Motion Picture and Video Tape Production and Distribution | MCC 1799 | Special Trade Contractors |
| MCC 5046 | Commercial Equipment | MCC 5085 | Industrial Supplies | MCC 4214 | Motor Freight Carriers and Trucking |
| MCC 2842 | Specialty Cleaning, Polishing and Sanitation Preparations | MCC 5139 | Commercial Footwear | MCC 7375 | Information Retrieval Services |
| MCC 5199 | Nondurable Goods | MCC 8734 | Testing Laboratories (Non-Medical Testing) | MCC 7333 | Commercial Photography, Art, and Graphics |
| MCC 6300 | Insurance Sales, Underwriting, and Premiums | MCC 5021 | Office and Commercial Furniture | MCC 2791 | Typesetting, Plate Making and Related Services |
| MCC 7379 | Computer Maintenance, Repair and Services | MCC 0780 | Landscaping and Horticultural Services |
| MCC 8931 | Accounting, Auditing, and Bookkeeping Services | MCC 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services |
| MCC 7392 | Management, Consulting, and Public Relations Services | MCC 5198 | Paints, Varnishes and Supplies |
| MCC 7311 | Advertising Services | MCC 5039 | Construction Materials |
| MCC 5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies | MCC 5044 | Photographic, Photocopy, Microfilm Equipment and Software |
| MCC 5192 | Books, Periodicals and Newspapers | MCC 5099 | Durable Goods |
| MCC 5137 | Men's, Women's, and Children's Uniforms and Commercial Clothing | MCC 5131 | Piece Goods, Notions, and Other Dry Goods |
| MCC 7399 | Business Services | MCC 5065 | Electrical Parts and Equipment |
| MCC 5051 | Metal Service Centers and Offices | MCC 5074 | Plumbing and Heating Equipment and Supplies |
| MCC 5169 | Chemicals and Allied Products | MCC 7361 | Employment Agencies and Temporary Help Services |
| MCC 2741 | Miscellaneous Publishing and Printing | MCC 8999 | Professional Services |
| MCC 7349 | Cleaning, Maintenance, and Janitorial Services | MCC 5193 | Florist Supplies, Nursery Stock and Flowers |
| MCC 7829 | Motion Picture and Video Tape Production and Distribution | MCC 1799 | Special Trade Contractors |
| MCC 5046 | Commercial Equipment | MCC 5085 | Industrial Supplies |
| MCC 4214 | Motor Freight Carriers and Trucking | MCC 2842 | Specialty Cleaning, Polishing and Sanitation Preparations |
| MCC 5139 | Commercial Footwear | MCC 7375 | Information Retrieval Services |
| MCC 5199 | Nondurable Goods | MCC 8734 | Testing Laboratories (Non-Medical Testing) |
| MCC 7333 | Commercial Photography, Art, and Graphics | MCC 6300 | Insurance Sales, Underwriting, and Premiums |
| MCC 5021 | Office and Commercial Furniture | MCC 2791 | Typesetting, Plate Making and Related Services |
| MCC 7379 | Computer Maintenance, Repair and Services | MCC 0780 | Landscaping and Horticultural Services |
| MCC 8931 | Accounting, Auditing, and Bookkeeping Services |
| MCC 7372 | Computer Programming, Data Processing, and Integrated Systems Design Services |
| MCC 7392 | Management, Consulting, and Public Relations Services |
| MCC 5198 | Paints, Varnishes and Supplies |
| MCC 7311 | Advertising Services |
| MCC 5039 | Construction Materials |
| MCC 5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
| MCC 5044 | Photographic, Photocopy, Microfilm Equipment and Software |
| MCC 5192 | Books, Periodicals and Newspapers |
| MCC 5099 | Durable Goods |
| MCC 5137 | Men's, Women's, and Children's Uniforms and Commercial Clothing |
| MCC 5131 | Piece Goods, Notions, and Other Dry Goods |
| MCC 7399 | Business Services |
| MCC 5065 | Electrical Parts and Equipment |
| MCC 5051 | Metal Service Centers and Offices |
| MCC 5074 | Plumbing and Heating Equipment and Supplies |
| MCC 5169 | Chemicals and Allied Products |
| MCC 7361 | Employment Agencies and Temporary Help Services |
| MCC 2741 | Miscellaneous Publishing and Printing |
| MCC 8999 | Professional Services |
| MCC 7349 | Cleaning, Maintenance, and Janitorial Services |
| MCC 5193 | Florist Supplies, Nursery Stock and Flowers |
| MCC 7829 | Motion Picture and Video Tape Production and Distribution |
| MCC 1799 | Special Trade Contractors |
| MCC 5046 | Commercial Equipment |
| MCC 5085 | Industrial Supplies |
| MCC 4214 | Motor Freight Carriers and Trucking |
| MCC 2842 | Specialty Cleaning, Polishing and Sanitation Preparations |
| MCC 5139 | Commercial Footwear |
| MCC 7375 | Information Retrieval Services |
| MCC 5199 | Nondurable Goods |
| MCC 8734 | Testing Laboratories (Non-Medical Testing) |
| MCC 7333 | Commercial Photography, Art, and Graphics |
| MCC 6300 | Insurance Sales, Underwriting, and Premiums |
| MCC 5021 | Office and Commercial Furniture |
| MCC 2791 | Typesetting, Plate Making and Related Services |
| MCC 7379 | Computer Maintenance, Repair and Services |
| MCC 0780 | Landscaping and Horticultural Services |
