PNC Merchant Services®
Card Interchange Rates


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

Solutions for a New Way of Doing Business

Requires a PNC Merchant Services account.

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 16th, 2021.[2] These changes impact not only PNC Merchant Services but all merchant providers.

The new pricing will be reflected on the April 2021 merchant processing account statement that you will receive in early May 2021.  Please be aware that impact to your account will depend on the types of cards accepted at your business. 

VISA

 Interchange Qualification Description

Current Interchange Rate

April 2021 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

Product 2 (card present) – Traditional (new Description)

1.51% + $0.10

1.51% + $0.10

Product 2 - Traditional Rewards (new Description)

1.65% + $0.10

1.65% + $0.10

Product 2 - Signature/HNW SNQ (new Description)

1.65% + $0.10

1.65% + $0.10

Product 2 - Signature Pref/HNW SQ (new Description)

2.10% + $0.10

2.10% + $0.10

Corporate Card Fuel Level 2

2.05% + $0.10

2.20% + $0.10

Purchasing Card Fuel Level 2

2.05% + $0.10

2.20% + $0.10

Corporate Retail Prepaid

2.15% + $0.10

2.65% + $0.10

Business Card Tier 1 Product 1

2.25% + $0.10

2.65% + $0.10

Business Card Tier 2 Product 1

2.45% + $0.15

2.80% + $0.10

Business Card Tier 3 Product 1

2.60% + $0.20

2.85% + $0.10

Business Card Tier 4 Product 1

2.70% + $0.20

2.95% + $0.10

Business Card Tier 5 Product 1

2.70% + $0.20

3.00% + $0.10

Business Card Tier 1 Product 2

2.20% + $0.10

1.90% + $0.10

Business Card Tier 2 Product 2

2.30% + $0.10

2.05% + $0.10

Business Card Tier 3 Product 2

2.40% + $0.10

2.10% + $0.10

Business Card Tier 4 Product 2

2.50% + $0.10

2.20% + $0.10

Business Card Tier 5 Product 2

2.50% + $0.10

2.25% + $0.10

Business Card Tier 1 Level 2

2.05% + $0.10

1.90% + $0.10

Business Card Tier 3 Level 2

2.05% + $0.10

2.10% + $0.10

Business Card Tier 5 Level 2

2.20% + $0.10

2.25% + $0.10

Business Card Tier 1 Travel

2.40% + $0.10

2.35% + $0.10

Business Card Tier 2 Travel

2.75% + $0.15

2.50% + $0.10

Business Card Tier 3 Travel

2.85% + $0.20

2.55% + $0.10

Business Card Tier 4 Travel

2.95% + $0.20

2.65% + $0.10

Business Card Tier 5 Travel

2.95% + $0.20

2.70% + $0.10

Non-Qual Business CR

2.95% + $0.20

3.15% + $0.20

Restaurant 2 - Traditional

N/A

2.10% ($0.04 minimum)

Restaurant 2 - Signature Pref/HNW

N/A

2.60% ($0.04 minimum)

Restaurant 1 - Traditional

N/A

2.20% ($0.08 minimum)

Restaurant 1 - Signature Pref/HNW

N/A

2.70% ($0.08 minimum)

Taxi 2 - Traditional

N/A

2.10% ($0.04 minimum)

Taxi 2 - Signature Pref/HNW

N/A

2.60% ($0.04 minimum)

Taxi 1 - Traditional

N/A

2.20% ($0.08 minimum)

Taxi - Signature Pref/HNW

N/A

2.70% ($0.08 minimum)

Real Estate - Traditional & Signature/HNW SNQ

N/A

1.43% + $0.05

Real Estate - Signature Pref/HNW SQ

N/A

2.15% + $0.10

Education - Traditional & Signature/HNW SNQ

N/A

1.43% + $0.05

Education - Signature Pref/HNW SQ

N/A

2.15% + $0.10

Healthcare - Traditional & Signature/HNW SNQ

N/A

1.43% + $0.05

Healthcare - Signature Pref/HNW SQ

N/A

2.30% + $0.10

Advertising- Traditional

N/A

1.55% + $0.10

Advertising - Traditional Rewards

N/A

1.70% + $0.10

Advertising - Signature/HNW SNQ

N/A

1.75% + $0.10

Advertising - Signature Pref/HNW SQ

N/A

2.30% + $0.10

Insurance - Traditional

N/A

1.43% + $0.05

Insurance - Traditional Rewards

N/A

1.43% + $0.05

Insurance - Signature/HNW SNQ

N/A

1.43% + $0.05

Insurance - Signature Pref/HNW SQ

N/A

2.25% + $0.10

Services - Traditional

N/A

1.55% + $0.10

Services - Traditional Rewards

N/A

1.70% + $0.10

Services - Signature/HNW SNQ

N/A

1.85% + $0.10

Services - Signature Pref/HNW SQ

N/A

2.30% + $0.10

Travel - Traditional

N/A

1.75% + $0.10

Travel - Traditional Rewards

N/A

1.95% + $0.10

Travel - Signature/HNW SNQ

N/A

2.25% + $0.10

Travel - Signature Pref/HNW SQ

N/A

2.40% + $0.10

Recurring Payment - Signature Pref/HNW SQ

N/A

2.20% + $0.05

Mastercard

Interchange Qualification Description

Current Interchange Rate

April 2021 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

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

1.05% + $0.15

1.15% + $0.15

Merit I Real Estate Debit & Prepaid

1.10% + $0.00

0.80% + $0.25 ($5.00 max)

Small Ticket Card Present

N/A

1.65% + $0.02

Small Ticket Enhanced Card Present

N/A

1.80% + $0.02

Small Ticket World Card Present

N/A

1.90% + $0.02

Small Ticket World Elite/High Value CP

N/A

2.30% + $0.02

Small Ticket Card Not Present

N/A

1.95% + $0.02

Small Ticket Enhanced Card Not Present

N/A

2.10% + $0.02

Small Ticket World Card Not Present

N/A

2.20% + $0.02

Small Ticket World Elite/High Value CNP

N/A

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

Discover

Interchange Qualification Description

Current Interchange Rate

April 2021 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

1.65% + $0.05

1.62% + $0.10

PSL Express Services Premium

1.95% + $0.00

1.97% + $0.00

PSL Passenger Transport Rewards

1.90% + $0.10

1.92% + $0.10

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

PSL E-Commerce Secured Core

1.89% + $0.10

1.80% + $0.10

PSL E-Commerce Secured Rewards

2.00% + $0.10

1.90% + $0.10

PSL E-Commerce Secured Premium

2.00% + $0.10

1.95% + $0.10

PSL E-Commerce Secured Premium Plus

2.40% + $0.10

2.35% + $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 & Prepaid

2.30% + $0.10

2.45% + $0.10

Commercial Base Debit & Prepaid

2.95% + $0.10

3.05% + $0.10

Business and Corporate Card Electronic

2.30% + $0.10

2.45% + $0.10

Business and Corporate Card Base

2.95% + $0.10

3.05% + $0.10

Consumer Voucher 1 Debit & Prepaid

1.80%

0.00%

Consumer Voucher 2 Debit & Prepaid

1.69%

0.00%

Consumer Voucher 3 Debit & Prepaid

1.35%

0.00%

American Express

Program Pricing Industry Category

Consumer Unregulated

Small Business Unregulated

B2B/Wholesale Debit

0.99% + $0.15

1.94% + $0.10

Education Debit

0.79% + $0.15

1.99% + $0.10

Emerging Markets Debit

0.79% + $0.15

1.99% + $0.10

Government Debit

0.79% + $0.15

1.99% + $0.10

Healthcare Debit

0.99% + $0.15

1.94% + $0.10

Restaurant Debit

1.29% + $0.10

1.99% + $0.10

Retail Debit

0.99% + $0.15

1.94% + $0.10

Services and Professional Services Debit

0.99% + $0.15

1.94% + $0.10

Travel and Entertainment Debit

1.19% + $0.15

1.99% + $0.10

Other Debit

0.99% + $0.15

1.94% + $0.10

** .30% non-swipe fee & 1.00% inbound fee applied to above

   

Regulated Debit

0.04% + $0.25

0.04% + $0.25

*** non-swipe fee &  inbound fee does not apply to reg debit

   

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Important Legal Disclosures & Information

  1. Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.

  2. Visa is a registered trademark of Visa International Service Association and used under license; MasterCard is a registered trademark of MasterCard International, Inc.; Discover is a registered trademark of DFS Services, LLC; American Express is a registered trademark of American Express Marketing & Development Corp. in the United States and other countries.

Swipe and Non-Swipe transaction prices do not include equipment costs, chargeback fees, Payeezy Gateway charges, app fees and other third-party charges, or cost of software required in order to utilize some apps in the Clover App Marketplace.

All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.

Banking products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

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