Acquiring
Inter-regional interchange
Higher, unregulated interchange applied when card and merchant sit in different regions (e.g. US cardholder buying from UK merchant); often 1.15% to 1.65%.
Related terms
Cross-border transaction
A card transaction where the issuer country differs from the acquirer country, attracting higher interchange and scheme fees.
Regulated interchange
Capped rates set by the EU Interchange Fee Regulation (0.2% consumer debit, 0.3% consumer credit) and UK equivalents; commercial cards and inter-regional traffic are exempt.
Interchange
The fee paid by the acquirer to the issuer on every card transaction, set by the schemes.
Related guides.
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