Base
$0.2The maximum interchange amount a covered U.S. debit-card issuer may receive under Regulation II, including the conditional fraud-prevention adjustment.
At a glance
Compliance identifiers, scope and operational context for Reg II debit cap in a comparable format.
Variable
0.1%Fraud adjustment
$0Product
DebitApplicability
Authorities, instruments and related compliance datasets connected to Reg II debit cap.
RecordTypeRelationshipScope
Visa DebitcardVisa DebitcardCarddirectly governs covered debit-card products, schemes, systems and operatorsGlobal / otherMastercardMastercardCarddirectly governs covered debit-card products, schemes, systems and operatorsGlobalMastercard IncorporatedMastercard IncorporatedPayment operatordirectly governs covered debit-card products, schemes, systems and operatorsGlobalVisaVisaCarddirectly governs covered debit-card products, schemes, systems and operatorsGlobalMastercard DebitcardMastercard DebitcardCarddirectly governs covered debit-card products, schemes, systems and operatorsGlobal / other
How to interpret the published amount
Interchange is only one layer of acceptance cost; scheme fees, processor pricing, FX, fraud and operational cost remain separate.
A wholesale transfer between issuing and acquiring sides.
Product, issuer and transaction exclusions remain material.
Historical and future schedules are not collapsed into one rate.
Published facts
Source-scoped facts for Reg II debit cap; versions, periods and effective dates remain explicit.
Published rate or amountEffective 2011-10-01
$0.21 + 0.1% · +$0.01 eligiblehigh1 source
Scope
Covered issuers and covered electronic debit transactionshigh1 source
Jurisdiction
United Stateshigh1 source
Effective periodEffective 2011-10-01
2011-10-01high1 source