Debit cap
0.2%The harmonized maximum interchange percentages for covered consumer debit- and credit-card transactions under Regulation (EU) 2015/751.
At a glance
Compliance identifiers, scope and operational context for EU interchange caps in a comparable format.
Credit cap
0.3%Geography
EU / EEAFee layer
InterchangeApplicability
Authorities, instruments and related compliance datasets connected to EU interchange caps.
RecordTypeRelationshipScope
VisaVisaCarddirectly governs covered card products, schemes, systems and operatorsGlobalMastercard DebitcardMastercard DebitcardCarddirectly governs covered card products, schemes, systems and operatorsGlobal / otherBanknetBanknetCarddirectly governs covered card products, schemes, systems and operatorsGlobal / otherMastercardMastercardCarddirectly governs covered card products, schemes, systems and operatorsGlobalMastercard IncorporatedMastercard IncorporatedPayment operatordirectly governs covered card products, schemes, systems and operatorsGlobal
What the percentage does—and does not—describe
The example distinguishes interchange from scheme fees, processor pricing, FX markups and the merchant's total acceptance cost.
Covered consumer debit-card transactions.
Covered consumer credit-card transactions.
Other acceptance-cost components remain separate economic records.
Published facts
Source-scoped facts for EU interchange caps; versions, periods and effective dates remain explicit.
Consumer debit-card capEffective 2015-12-09
0.2% of transaction valuehigh1 source
Consumer credit-card capEffective 2015-12-09
0.3% of transaction valuehigh1 source
Scheme scope
Covered consumer card transactions, principally four-party schemeshigh1 source
Jurisdiction
European Union, with EEA relevancehigh1 source
EU interchange caps100%
Applicability100%What the percentage does—and does not—describe100%Published Facts100%