Visa has introduced new Non-token Interchange Programs effective April 22, 2022, for merchants with specific MCCs. See the April 2022 Email and Card Interchange Program Changes article for information about token vs. non-token.
If your MCC is one of the following please review this article:
- Advertising - 7311
- Education - 8211, 8220, 8241, 8244, 8249, 8299, 8351
- Healthcare - 0742, 4119, 7277, 8011, 8021, 8031, 8041, 8042, 8043, 8049, 8050, 8062, 8071, 8099
- Insurance - 5960, 6300
- Real Estate - 6513
- Services - 0763, 0780, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 2741, 2791, 2842, 4214, 4215, 4225,4816, 4821, 5074, 5552, 5697, 5969, 5975, 5976, 5983, 5996, 5997, 7210, 7211, 7216, 7217, 7221, 7230, 7251, 7261, 7273, 7276, 7278, 7297, 7298, 7321, 7333, 7338, 7339, 7342, 7349, 7361, 7372, 7375, 7379, 7392, 7393, 7395, 7399, 7523, 7531,7534, 7535, 7538, 7542, 7549, 7622, 7623, 7629, 7631, 7641, 7692, 7699, 8111, 8641, 8931, 8999
Advertising Card Not Present Non-Token
The Programs below apply to all transactions, below $500. For transactions, $500 and over, view April 16, 2021 Interchange programs. Must meet all other requirements for the existing MCC-specific card interchange program. For token transactions, view April 2021 MCC Specific Card Interchange Program.
| Card Program Type | Interchange Program | Rate as of April 22, 2022 |
|---|---|---|
| Visa Traditional | VS VT Advertisement Non Token | 1.65% + $0.10 |
| Visa Traditional Rewards | VS VTR Advertisement Non Token | 1.80% + $0.10 |
| Visa Signature & Infinite (Spend not-qualified) | VS VIN Advertisement Non Token | 1.85% + $0.10 |
| Visa Signature Preferred & Infinite (Spend - qualified) | VS VSP VIQ Advertisement Non Token | 2.40% + $0.10 |
Education Card Not Present Non-Token
The Programs below apply to all transactions, below $500. For transactions, $500 and over, view April 16, 2021 Interchange programs. Must meet all other requirements for the existing MCC-specific card interchange program. For token transactions, view April 2021 MCC Specific Card Interchange Program.
| Card Program Type | Interchange Program | Rate as of April 22, 2022 |
|---|---|---|
| Visa Traditional | VS VT Education Non Token | 1.53% + $0.05 |
| Visa Traditional Rewards | VS VTR Education Non Token | 1.53% + $0.05 |
| Visa Signature & Infinite (Spend not-qualified) | VS VIN Education Non Token | 1.53% + $0.05 |
| Visa Signature Preferred & Infinite (Spend - qualified) | VS VSP VIQ Education Non Token | 2.25% + $0.10 |
Healthcare Card Not Present Non-Token
The Programs below apply to all transactions, below $500. For transactions, $500 and over, view April 16, 2021 Interchange programs. Must meet all other requirements for the existing MCC-specific card interchange program. For token transactions, view April 2021 MCC Specific Card Interchange Program.
| Card Program Type | Interchange Program | Rate as of April 22, 2022 |
|---|---|---|
| Visa Traditional | VS VT Health Non Token | 1.53% + $0.05 |
| Visa Traditional Rewards | VS VTR Health Non Token | 1.53% + $0.05 |
| Visa Signature & Infinite (Spend not-qualified) | VS VIN Health Non Token | 1.53% + $0.05 |
| Visa Signature Preferred & Infinite (Spend - qualified) | VS VSP VIQ Health Non Token | 2.40% + $0.10 |
Insurance Card Not Present Non-Token
| Card Program Type | Interchange Program | Rate as of April 22, 2022 |
|---|---|---|
| Visa Traditional | VS VT Insurance Non Token | 1.53% + $0.05 |
| Visa Traditional Rewards | VS VTR Insurance Non Token | 1.53% + $0.05 |
| Visa Signature & Infinite (Spend not-qualified) | VS VIN Insurance Non Token | 1.53% + $0.05 |
| Visa Signature Preferred & Infinite (Spend - qualified) | VS VSP VIQ Insurance Non Token | 2.35% + $0.10 |
Real Estate Card Not Present Non-Token
The Programs below apply to all transactions, below $500. For transactions, $500 and over, view April 16, 2021 Interchange programs. Must meet all other requirements for the existing MCC-specific card interchange program. For token transactions, view April 2021 MCC Specific Card Interchange Program.
| Card Program Type | Interchange Program | Rate as of April 22, 2022 |
|---|---|---|
| Visa Traditional | VS VT Real Estate Non Token | 1.53% + $0.05 |
| Visa Traditional Rewards | VS VTR Real Estate Non Token | 1.53% + $0.05 |
| Visa Signature & Infinite (Spend not-qualified) | VS VIN Real Estate Non Token | 1.53% + $0.05 |
| Visa Signature Preferred & Infinite (Spend - qualified) | VS VSP VIQ Real Estate Non Token | 2.25% + $0.10 |
Services Card Not Present Non-Token
The Programs below apply to all transactions, below $100. For transactions, $100 and over, view April 16, 2021 Interchange programs. Must meet all other requirements for the existing MCC-specific card interchange program. For token transactions, view April 2021 MCC Specific Card Interchange Program.
| Card Program Type | Interchange Program | Rate as of April 22, 2022 |
|---|---|---|
| Visa Traditional | VS VT Services Non Token | 1.65% + $0.10 |
| Visa Traditional Rewards | VS VTR Services Non Token | 1.80% + $0.10 |
| Visa Signature & Infinite (Spend not-qualified) | VS VIN Services Non Token | 1.95% + $0.10 |
| Visa Signature Preferred & Infinite (Spend - qualified) | VS VSP VIQ Non Token | 2.40% + $0.10 |