Discover Interchange Fees

Below are some of the most common Discover interchange fees businesses incur as of April 2021 from CreditDonkey. There are dozens of interchange fees (many of which aren’t listed here). The rates vary based on card type, transaction method, and even type of business.

Discover Debit CardSwipe Rate (card present)
Discover Debit (small bank)1.10% + 16¢
Discover Debit (big bank/regulated)0.05% + 22¢
Discover Debit CardKeyed Rate (card not present)
Discover Debit (small bank)1.75% + 20¢
Discover Debit (big bank/regulated)0.05% + 22¢
Discover Credit CardSwipe Rate (card present)
Discover Consumer1.56% + 10¢
Discover Rewards1.71% + 10¢
Discover Premium1.71% + 10¢
Discover Premium Plus2.15% + 10¢
Discover Commercial2.30% + 10¢
Discover Credit CardKeyed Rate (card not present)
Discover Consumer1.87% + 10¢
Discover Rewards1.97% + 10¢
Discover Premium2.00% + 10¢
Discover Premium Plus2.40% + 10¢
Discover Commercial2.30% + 10¢
Discover Recurring PaymentsInterchange Rates
Discover Debit (small bank)1.20% + 5¢
Discover Debit (big bank/regulated)0.05% + 22¢
Discover Consumer1.35% + 5¢
Discover Rewards1.35% + 5¢
Discover Premium1.35% + 5¢
Discover Premium Plus1.80% + 5¢
Discover Commercial2.3% + 10¢
Discover InternationalSwipe Rate (card present)
Discover International Debit/Prepaid1.20%
Discover International Consumer1.65%
Discover International Rewards1.65%
Discover International Premium1.65%
Discover International Premium Plus1.65%
Discover International Commercial1.9%
Discover InternationalKeyed Rate (card not present)
Discover International Debit/Prepaid1.70% + 10¢
Discover International Consumer1.70% + 10¢
Discover International Rewards1.70% + 10¢
Discover International Premium1.70% + 10¢
Discover International Premium Plus1.79% + 10¢
Discover International Commercial1.90% + 10¢

 

*The credit card networks typically update their interchange fees two times a year, in April and October.

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