PNC Merchant Services®
Card Interchange Rates

PNC Merchant Services®[1](PNCMS) is dedicated to providing you with timely information regarding pricing changes & modifications associated with your PNCMS account.

Solutions for a New Way of Doing Business

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This communication is to inform you of upcoming VISA, Mastercard and Discover interchange rate changes as well as American Express Program Pricing that become effective on April 22, 2022.[2] These changes impact not only PNC Merchant Services but all merchant providers.

The new pricing will be reflected on the April 2022 merchant processing account statement that you will receive in early May 2022. Please be aware that impact to your account will depend on the types of cards accepted at your business. 

Interchange Level Current Interchange Range April 2022 Interchange Rate
Non-Qual Consumer CR 2.70% + $0.10 3.15% + $0.10
Product 1 (card not present) - Traditional 1.80% + $0.10 1.89% + $0.10
Product 1 - Traditional Rewards 1.95% + $0.10 2.04% + $0.10
Product 1 - Signature/HNW SNQ 1.95% + $0.10 2.05% + $0.10
Product 1 - Signature Pref/HNW SQ 2.40% + $0.10 2.50% + $0.10
Small Merchant Product 1 - Traditional ** N/A 1.58% + $0.10
Small Merchant Product 1 - Traditional Rewards ** N/A 1.73% + $0.10
Small Merchant Product 1 - Signature/HNW SNQ ** N/A 1.73% + $0.10
Small Merchant Product 1 - Signature Pref/HNW SQ ** N/A 2.18% + $0.10
Small Merchant Product 2 (Card Present) - Traditional ** N/A 1.29% + $0.10
Small Merchant Product 2 - Traditional Rewards ** N/A 1.43% + $0.10
Small Merchant Product 2 - Signature/HNW SNQ ** N/A 1.43% + $0.10
Small Merchant Product 2 - Signature Pref/HNW SQ ** N/A 1.88% + $0.10
Real Estate - Traditional & Signature/HNW SNQ 1.43% + $0.05
(CNP tokenized)
1.53% + $0.05
(CNP non-tokenized)
Real Estate - Signature Pref/HNW SQ 2.15% + $0.10
(CNP tokenized)
2.25% + $0.10
(CNP non-tokenized)
Education - Traditional & Signature/HNW SNQ 1.43% + $0.05
(CNP tokenized)
1.53% + $0.05
(CNP non-tokenized)
Education - Signature Pref/HNW SQ 2.15% + $0.10
(CNP tokenized)
2.25% + $0.10
(CNP non-tokenized)
Healthcare - Traditional & Signature/HNW SNQ 1.43% + $0.05
(CNP tokenized)
1.53% + $0.05
(CNP non-tokenized)
Healthcare - Signature Pref/HNW SQ 2.30% + $0.10
(CNP tokenized)
2.40% + $0.10
(CNP non-tokenized)
Advertising - Traditional 1.55% + $0.10
(CNP tokenized)
1.65% + $0.10
(CNP non-tokenized)
Advertising - Traditional Rewards 1.70% + $0.10
(CNP tokenized)
1.80% + $0.10
(CNP non-tokenized)
Advertising - Signature/HNW SNQ 1.75% + $0.10
(CNP tokenized)
1.85% + $0.10
(CNP non-tokenized)
Advertising - Signature Pref/HNW SQ 2.30% + $0.10
(CNP tokenized)
2.40% + $0.10
(CNP non-tokenized)
Insurance - Traditional & Signature/HNW SNQ 1.43% + $0.05
(CNP tokenized)
1.53% + $0.05
(CNP non-tokenized)
Insurance - Signature Pref/HNW SQ 2.25% + $0.10
(CNP tokenized)
2.35% + $0.10
(CNP non-tokenized)
Services - Traditional 1.55% + $0.10
(CNP tokenized)
1.65% + $0.10
(CNP non-tokenized)
Services - Traditional Rewards 1.70% + $0.10
(CNP tokenized)
1.80% + $0.10
(CNP non-tokenized)
Services - Signature/HNW SNQ 1.85% + $0.10
(CNP tokenized)
1.95% + $0.10
(CNP non-tokenized)
Services - Signature Pref/HNW SQ 2.30% + $0.10
(CNP tokenized)
2.40% + $0.10
(CNP non-tokenized)
Recurring Payment - Traditional & Signature/HNW SNQ 1.43% +$0.05
(CNP tokenized)
1.53% + $0.05
(CNP non-tokenized)
Recurring Payment - Signature Pref/HNW SQ 2.20% +$0.05
(CNP tokenized)
2.30% + $0.05
(CNP non-tokenized)

**Visa determines Small Merchant program eligibility based on merchant's unique tax ID, with $250,000 or less in aggregated purchase volume for 12 months ending September 2021.

Interchange Level Current Interchange Rate April 2022 Interchange Rate
Merit III 1.58% + $0.10 1.65% + $0.10
Merit III Enhanced 1.73% + $0.10 1.80% + $0.10
Merit III World 1.77% + $0.10 1.90% + $0.10
Merit III World Elite & High Value 2.20% + $0.10 2.30% + $0.10
Merit I 1.89% + $0.10 1.95% + $0.10
Merit I Enhanced 2.04% + $0.10 2.10% + $0.10
Merit I World 2.05% + $0.10 2.20% + $0.10
Merit I World Elite & High Value 2.50% + $0.10 2.60% + $0.10
Merit I E-Commerce 1.89% + $0.10 1.95% + $0.10
Key Entered 1.89% + $0.10 1.95% + $0.10
Key Entered Enhanced 2.04% + $0.10 2.10% + $0.10
Key Entered World 2.05% + $0.10 2.20% + $0.10
Key Entered World Elite & High Value 2.50% + $0.10 2.60% + $0.10
Convenience 1.90% + $0.00 1.65% + $0.04
Convenience Enhanced 1.90% + $0.00 1.80% + $0.04
Convenience World 2.00% + $0.00 1.90% + $0.04
Convenience World Elite & High Value 2.00% + $0.00 2.30% + $0.04
Full UCAF 1.89% + $0.10 1.95% + $0.10
Full UCAF Enhanced 2.04% + $0.10 2.10% + $0.10
Full UCAF World 2.05% + $0.10 2.20% + $0.10
Full UCAF World Elite & High Value 2.50% + $0.10 2.60% + $0.10
Merchant UCAF 1.89% + $0.10 1.95% + $0.10
Merchant UCAF Enhanced 2.04% + $0.10 2.10% + $0.10
Merchant UCAF World 2.05% + $0.10 2.20% + $0.10
Merchant UCAF World Elite & High Value 2.50% + $0.10 2.60% + $0.10
Restaurant World 1.73% + $0.10 1.85% + $0.10
Restaurant World Elite & High Value 2.20% + $0.10 2.00% + $0.10
Supermarket 1.48% + $0.10 1.45% + $0.10
Supermarket Enhanced 1.48% + $0.10 1.60% + $0.10
Supermarket World 1.58% + $0.10 1.70% + $0.10
Supermarket World Elite & High Value 1.90% + $0.10 2.10% + $0.10
Lodging 1.58% + $0.10 1.65% + $0.10
Enhanced Lodging 1.80% + $0.10 1.75% + $0.10
Auto Rental 1.58% + $0.10 1.65% + $0.10
Enhanced Auto Rental 1.80% + $0.10 1.75% + $0.10
T&E World 2.30% + $0.10 2.25% + $0.10
T&E World Elite & High Value 2.75% + $0.10 2.55% + $0.10
T&E World Elite & High Value Large Ticket 2.00% + $0.00 2.55% + $0.00
Utility 0.00% + $0.65 0.00% + $0.75
Utility Enhanced 0.00% + $0.65 0.00% + $0.75
Utility World 0.00% + $0.65 0.00% + $0.75
Standard 2.95% + $0.10 3.15% + $0.10
Standard Enhanced 2.95% + $0.10 3.15% + $0.10
Standard World 2.95% + $0.10 3.15% + $0.10
Standard World Elite & High Value 3.25% + $0.10 3.15% + $0.10
Merit I Insurance World Elite & High Value 2.20% + $0.10 2.25% + $0.10
Merit I Real Estate 1.10% + $0.00 1.43% + $0.05
Merit I Real Estate Enhanced 1.10% + $0.00 1.43% + $0.05
Merit I Real Estate World 1.10% + $0.00 1.43% + $0.05
Merit I Day Care N/A 1.60% + $0.10
Merit I Day Care Enhanced N/A 1.60% + $0.10
Merit I Day Care World N/A 1.60% + $0.10
Merit III Prepaid N/A 1.15% + $0.15
Merit I Real Estate Prepaid N/A 0.80% + $0.25 ($5.00 cap)
Business DB/PP Healthcare Services 1.00% + $0.00 ($5.00 Cap) Eliminated
Commercial Healthcare Services 1.00% + $0.00 ($5.00 Cap) Eliminated
Small Ticket Card Present 1.58% + $0.10 1.65% + $0.02
Small Ticket Enhanced Card Present 1.73% + $0.10 1.80% + $0.02
Small Ticket World Card Present 1.77% + $0.10 1.90% + $0.02
Small Ticket World Elite/High Value CP 2.20% + $0.10 2.30% + $0.02
Small Ticket Card Not Present 1.89% + $0.10 1.95% + $0.02
Small Ticket Enhanced Card Not Present 2.04% + $0.10 2.10% + $0.02
Small Ticket World Card Not Present 2.05% + $0.10 2.20% + $0.02
Small Ticket World Elite/High Value CNP 2.50% + $0.10 2.60% + $0.02
Consumer Refund 1 2.42% + $0.00 2.30% + $0.00
Consumer Refund 2 2.09% + $0.00 1.75% + $0.00
Consumer Refund 3 1.95% + $0.00 1.75% + $0.00
Consumer Refund 4 1.82% + $0.00 1.75% + $0.00
Consumer Refund 5 1.73% + $0.00 1.75% + $0.00
Interchange Level Current Interchange Rate April 2022 Interchange Rate
PSL Supermarket Prepaid 1.10% + $0.16 1.12% + $0.16
PSL Retail Prepaid 1.10% + $0.16 1.12% + $0.16
PSL Card Not Present Prepaid 1.75% + $0.20 1.76% + $0.20
PSL E-Commerce Prepaid 1.75% + $0.20 1.76% + $0.20
Key Entry Prepaid 1.75% + $0.20 1.76% + $0.20
PSL Restaurant Debit 1.10% + $0.16 1.14% + $0.15
PSL Restaurant Prepaid 1.10% + $0.16 1.14% + $0.15
PSL Supermarket  Rewards 1.60% + $0.10 1.62% + $0.10
PSL Express Services Premium 1.95% + $0.00 1.97% + $0.00
PSL Emerging Market Rewards 1.45% + $0.05 1.50% + $0.05
PSL Emerging Market Premium 1.45% + $0.05 1.50% + $0.05
PSL Retail Core 1.56% + $0.10 1.57% + $0.10
PSL Retail Rewards 1.71% + $0.10 1.72% + $0.10
PSL Retail Premium 1.71% + $0.10 1.74% + $0.10
PSL Retail Premium Plus 2.15% + $0.10 2.17% + $0.10
PSL Hotel/Car Rental Rewards 1.90% + $0.10 1.92% + $0.10
PSL Hotel/Car Rental Premium Plus 2.40% + $0.10 2.57% + $0.10
Base Submission Level 2.95% + $0.10 3.05% + $0.10
PSL Card Not Present Core 1.89% + $0.10 1.91% + $0.10
PSL Card Not Present Rewards 2.00% + $0.10 2.03% + $0.10
PSL Card Not Present Premium 2.00% + $0.10 2.05% + $0.10
PSL Card Not Present Premium Plus 2.40% + $0.10 2.50% + $0.10
PSL E-Commerce Core 1.89% + $0.10 1.91% + $0.10
PSL E-Commerce Rewards 2.00% + $0.10 2.03% + $0.10
PSL E-Commerce Premium 2.00% + $0.10 2.05% + $0.10
PSL E-Commerce Premium Plus 2.40% + $0.10 2.50% + $0.10
Key Entry Core 1.89% + $0.10 1.91% + $0.10
Key Entry Rewards 2.00% + $0.10 2.03% + $0.10
Key Entry Premium 2.00% + $0.10 2.05% + $0.10
Key Entry Premium Plus 2.40% + $0.10 2.50% + $0.10
Commercial Electronic Debit 2.30% + $0.10 2.45% + $0.15
Commercial Electronic Prepaid 2.30% + $0.10 2.65% + $0.10
Commercial Base Debit & Prepaid 2.95% + $0.10 3.05% + $0.10
Industry Category Current Interchange Rate April 2022 Interchange Rate
Services and Professional Services Tier 1*** 1.70% + $0.10 1.65% + $0.10

*** 0.30% non-swipe fee & 1.00% inbound fee applied to above.

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