If your business sells to other businesses and accepts corporate, purchasing or business credit cards, interchange is usually the largest part of what each card sale costs you. On commercial cards the rate is not fixed: it depends on the card product, how the sale was taken and how much transaction data reached the card network. This guide lists the US interchange rates Visa and Mastercard publish for commercial cards in 2026, explains what moves a sale from one rate to another, and shows where Level 2 and Level 3 data fit.
Every rate below comes from the network's own published table, with its effective date. Networks revise these tables during the year, so check the date before reusing a number.
What interchange is, and who pays it
Interchange is the fee the card issuer receives on each card sale. The network sets the rate, the acquirer pays it to the issuer, and the acquirer passes it on to the business that accepted the card.
How much of a rate change reaches you depends on your pricing:
- Interchange++ (IC++, interchange plus plus): your statement shows the actual interchange of each sale, plus the network fees, plus your processor's markup. When a sale qualifies for a lower interchange rate, your cost drops by that difference.
- Blended or flat pricing: you pay one rate for every card. When a commercial card sale qualifies for a lower interchange rate, the processor keeps the difference.
Savings from better transaction data only reach you on Interchange++ pricing. If you are on blended pricing, the first question for your gateway is whether you can move to Interchange++.
Visa commercial card interchange rates (US, effective October 24, 2026)
Visa groups commercial cards into Corporate and Purchasing (Fleet cards are included in Purchasing) and Business, the small business cards. The table below covers Corporate and Purchasing.
| Visa fee program | Rate |
|---|---|
| Commercial Product 3 | 1.75% + $0.10 |
| Commercial Level II Fuel | 2.20% + $0.10 |
| Commercial Card Present | 2.50% + $0.10 |
| Commercial Travel Service | 2.65% + $0.10 |
| Commercial Card Not Present | 2.70% + $0.10 |
| Non-Qualified | 2.95% + $0.10 |
| Non-Qualified with Data | 2.95% + $0.10 |
| Commercial Product Large Ticket | 1.30% + $35.00 |
Source: Visa USA Interchange Reimbursement Fees, rates effective October 24, 2026, page 16.
For most B2B sellers taking cards online or by invoice, the reference point is Commercial Card Not Present at 2.70% + $0.10. The lowest rate for a typical sale is Commercial Product 3 at 1.75% + $0.10, which needs Level 3 data and goes through the Visa Commercial Enhanced Data Program (CEDP), covered below.
Visa Business card rates
Visa Business credit cards have five spend tiers. The tier comes from the card, not from you.
| Visa fee program | Tier I | Tier II | Tier III | Tier IV | Tier V |
|---|---|---|---|---|---|
| Business Product 3 | 2.40% + $0.10 | 2.55% + $0.10 | 2.60% + $0.10 | 2.70% + $0.10 | 2.75% + $0.10 |
| Business Product 2 | 1.90% + $0.10 | 2.05% + $0.10 | 2.10% + $0.10 | 2.20% + $0.10 | 2.25% + $0.10 |
| Business Product 1 | 2.65% + $0.10 | 2.80% + $0.10 | 2.85% + $0.10 | 2.95% + $0.10 | 3.00% + $0.10 |
| Business Non-Qualified | 3.15% + $0.20 | 3.15% + $0.20 | 3.15% + $0.20 | 3.15% + $0.20 | 3.15% + $0.20 |
Source: Visa USA Interchange Reimbursement Fees, rates effective October 24, 2026, page 21.
The table does not define Business Product 1 and Product 2. Ask your processor which one your sales settle at today. Two details matter here. Product 2 is lower than Product 3 in every tier, so Level 3 data only lowers the cost of Business card sales that would otherwise settle at Product 1. And the gap between Product 1 and Product 3 is 0.25 points in every tier, much smaller than on Corporate and Purchasing cards.
What changed at Visa in 2025 and 2026
- Product 3 replaced the old Level 3 rate in October 2025. Product 3 is 1.75% + $0.10 and is only available through CEDP.
- The Level 2 rate for commercial cards ended in April 2026, except fuel. The October 2026 table has no generic Level II row for Corporate, Purchasing or Business cards. Only Commercial Level II Fuel remains (Visa table, pages 16 and 21). Level 2 fields still matter, because Product 3 builds on them, but on their own they no longer earn a lower Visa rate.
- CEDP adds a participation fee. Processors report a fee of 0.05% on Visa transactions sent with CEDP data, whether or not the sale reaches Product 3. Visa does not publish this fee in its interchange table.
Mastercard commercial card interchange rates (US, effective April 17, 2026)
Mastercard names its data levels Data Rate I, II and III. Its "Level 1" to "Level 5" labels are something else: spend tiers of the Small Business card, similar to Visa's Business tiers.
Large Market Credit (corporate, purchasing and fleet cards)
| Mastercard program | Rate |
|---|---|
| Data Rate I | 2.70% + $0.10 |
| Data Rate II | 2.50% + $0.10 |
| Data Rate II (Petroleum MCCs) | 2.20% + $0.10 |
| Data Rate III | 1.90% + $0.10 |
| Large Ticket | 1.45% + $35.00 |
| Standard | 2.95% + $0.10 |
| T&E Rate | 2.65% + $0.10 |
Source: Mastercard 2026-2027 U.S. Region Interchange Programs and Rates, effective April 17, 2026, page 8.
Small Business Credit
| Mastercard program | Level 1 / Business Core | Level 2 / Business World | Level 3 / Business World Elite | Level 4 | Level 5 |
|---|---|---|---|---|---|
| Data Rate I | 2.65% + $0.10 | 2.80% + $0.10 | 2.85% + $0.10 | 2.95% + $0.10 | 3.00% + $0.10 |
| Data Rate II | 1.90% + $0.10 | 2.05% + $0.10 | 2.10% + $0.10 | 2.20% + $0.10 | 2.25% + $0.10 |
| Standard | 2.95% + $0.10 | 3.10% + $0.10 | 3.15% + $0.10 | 3.25% + $0.10 | 3.30% + $0.10 |
Source: same Mastercard table, page 7.
Two things stand out. First, Mastercard kept its Level 2 rate: Data Rate II is still in the 2026 table, for Large Market and Small Business cards alike. Second, Small Business cards have no Data Rate III. On a Mastercard Business card, Data Rate II is the lowest data rate available, so Level 3 line items do not lower the rate any further.
Visa and Mastercard side by side
For a corporate or purchasing credit card sale taken online in the US:
| Data sent | Visa Corporate and Purchasing | Mastercard Large Market Credit |
|---|---|---|
| Basic sale data | Card Not Present, 2.70% + $0.10 | Data Rate I, 2.70% + $0.10 |
| Level 2 (tax, customer code) | No separate rate since April 2026, except fuel | Data Rate II, 2.50% + $0.10 |
| Level 3 (line items) | Product 3, 1.75% + $0.10, through CEDP | Data Rate III, 1.90% + $0.10 |
| Large sale with Level 3 | Large Ticket, 1.30% + $35.00 | Large Ticket, 1.45% + $35.00 |
| Missing required data | Non-Qualified, 2.95% + $0.10 | Standard, 2.95% + $0.10 |
Sources: Visa table effective October 24, 2026; Mastercard table effective April 17, 2026.
Level 3 interchange rates: what the gap is worth
Take a $10,000 sale on a US corporate card, taken online, with published rates only. This is arithmetic on the tables above, not an estimate of what any business will save.
- Visa: Card Not Present costs $270.10. Product 3 costs $175.10, plus about $5.00 if the reported 0.05% CEDP fee applies, so about $180.10. The gap is about $90.
- Mastercard: Data Rate I costs $270.10. Data Rate III costs $190.10. The gap is $80.
On high value sales, Large Ticket can cost less than Product 3 or Data Rate III because the fixed part is larger and the percentage is lower. With Visa's published rates, Large Ticket at 1.30% + $35.00 costs less than Product 3 at 1.75% + $0.10 above roughly $7,756 per sale. Visa does not publish a minimum amount for Large Ticket in its fee table, and processors apply their own thresholds, so confirm with yours before modelling it.
Whether a sale reaches these rates depends on the card, the merchant category, settlement timing, the data and, for Visa, your CEDP status. Treat the gap as the upper bound of what is at stake. For what the data itself must contain, see Level 3 credit card processing: requirements for B2B sellers.
What these rates leave out
- American Express and Discover set their own commercial pricing and are not covered here.
- Regulated debit: commercial debit cards issued by large banks fall under the Durbin cap, so transaction data does not change their rate.
- Cards issued outside the US and non-USD sales follow other tables.
- Ineligible merchant categories: airlines, car rental, lodging and restaurants use their own programs and do not qualify for these data rates.
How to use this table
- Pull a fee report from your gateway with the interchange program of each commercial card sale.
- Count how much volume settles at Card Not Present, Data Rate I, Non-Qualified or Standard.
- Compare those sales with the Product 3 and Data Rate III rates above.
- Check that you are on Interchange++ pricing; otherwise the difference stays with your gateway.
On Adyen or Stripe, Tierback does steps 1 to 3 for you. Run a free diagnostic at tierback.com: it reads your fee report and shows which commercial card sales settled above the data rates and what that cost.
See what last month cost you.
Upload an Adyen or Stripe fee report. The diagnostic shows the rate each commercial card sale paid and the best rate its card and MCC allow.