[arielpts]

Actually the interchange does not vary per issuer.

It can vary per card type (pre-paid, debit or credit), card level (basic or signature/elite, etc.), type of transaction (CNP or present), Merchant type (supermarket, airlines, etc.) and some other rules, depending on the scheme and the region (US, Europe, etc.).

For instance the Interchange (to be paid to the Issuer) when a US issued MasterCard Debit Card is used in Gas Station is 0.70% US$ + 0.17 with a cap of US$ 0.95, but when used in a Restaurant is 1.19% + US$ 0.10 without caps.

Visa: https://usa.visa.com/dam/VCOM/download/about-visa/visa-rules...

MasterCard: https://www.mastercard.us/content/dam/mccom/en-us/documents/...

What can vary from issuer to issuer is the processor/network costs.

[adrr]

Debit cards from big banks are covered by the Durbin Amendment which fixes the interchange to 0.05%. Smaller banks are regulated by Visa/Mastercard rules on interchange.

[arielpts]

Great to know, thank you for the information and source.