Interchange & fees
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Discover the most important information about interchange fees. Learn more about their purpose and rates.
Interchange rates
Interchange fees are payable between the retailer (known as a self-Acquirer) or the retailers’ financial institution (known as the Acquirer) and the cardholder’s bank or financial institution (known as the Issuer).
These rates:
- Create a simple regime to underpin and strengthen eftpos’ competitiveness, and
- Support investment in key enhancements to eftpos products.
The rates support initiatives designed to:
- Increase eftpos functionality, and
- Enhance digital payments security.
Schedule of interchange rates
The following Multilateral Interchange rates are prescribed by eftpos pursuant to Clause 33 of the Scheme Rules from the 1st September 2022.
| Categories | Standard | DIFR 1 | DIFR 2 | DIFR 3 | Strategic Rate 1 | Strategic Rate 2 |
|---|---|---|---|---|---|---|
| Dual Network Debit Cards | ||||||
| Charity | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Medicare EasyClaim Refund | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| In-Store Card <= $10 > $10 | $0.01 $0.04 | $0.01 $0.01 | $0.01 $0.02 | $0.01 $0.03 | $0.02 $0.02 | $0.01 $0.04 |
| In-Store Mobile (Tokenised Contactless) <= $10 > $10 | $0.02 $0.07 | $0.01 $0.01 | $0.01 $0.04 | $0.02 $0.06 | $0.02 $0.02 | $0.02 $0.07 |
| Card Not Present <= $100 > $100 Recurring | $0.10 0.12% $0.06 | $0.01 $0.01 $0.01 | $0.10 $0.10 $0.03 | $0.10 $0.10 $0.05 | $0.10 0.12% $0.06 | $0.03 $0.03 $0.03 |
| Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5 | $0.005 $0.04 0.10% $0.04 | $0.005 $0.01 $0.01 $0.01 | $0.005 $0.01 $0.02 $0.02 | $0.005 $0.02 $0.06 $0.03 | $0.005 $0.04 0.10% $0.04 | $0.03 $0.03 $0.03 $0.03 |
| Purchase with Cash Out Cash-out portion Purchase portion | $0.00 $0.04 | -$0.20 $0.01 | -$0.165 $0.02 | $0.00 $0.03 | $0.00 $0.02 | $0.00 $0.04 |
| Cash Out Only | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Transfers | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 |
| Categories | Standard | DIFR 1 | DIFR 2 | DIFR 3 | Strategic Rate 1 | Strategic Rate 2 |
|---|---|---|---|---|---|---|
| Single Network Debit Cards | ||||||
| Charity | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Medicare EasyClaim Refund | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| In-Store Card <= $10 > $10 | $0.05 $0.10 | $0.01 $0.01 | $0.02 $0.04 | $0.03 $0.06 | $0.05 $0.10 | $0.05 $0.10 |
| In-Store Mobile (Tokenised Contactless) <= $10 > $10 | $0.05 $0.10 | $0.01 $0.01 | $0.02 $0.04 | $0.03 $0.06 | $0.05 $0.10 | $0.05 $0.10 |
| Purchase with Cash Out Cash-out portion Purchase portion | $0.00 $0.10 | -$0.20 $0.01 | -$0.165 $0.04 | $0.00 $0.06 | $0.00 $0.10 | $0.00 $0.10 |
| Cash Out Only | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Transfers | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 |
| Categories | Standard | DIFR 1 | DIFR 2 | DIFR 3 | Strategic Rate 1 | Strategic Rate 2 |
|---|---|---|---|---|---|---|
| Prepaid Cards | ||||||
| Charity | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Medicare EasyClaim Refund | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| In-Store Card <= $10 > $10 | $0.05 $0.10 | $0.01 $0.01 | $0.02 $0.04 | $0.03 $0.06 | $0.05 $0.10 | $0.05 $0.10 |
| In-Store Mobile (Tokenised Contactless) <= $10 > $10 | $0.05 $0.10 | $0.01 $0.01 | $0.02 $0.04 | $0.03 $0.06 | $0.05 $0.10 | $0.05 $0.10 |
| Card Not Present <= $100 > $100 | $0.10 0.12% | $0.01 $0.01 | $0.10 $0.10 | $0.10 $0.10 | $0.10 0.12% | $0.10 0.12% |
| Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5 | $0.005 $0.04 0.10% $0.04 | $0.005 $0.01 $0.01 $0.01 | $0.005 $0.02 $0.05 $0.02 | $0.005 $0.03 $0.08 $0.03 | $0.005 $0.04 0.10% $0.04 | $0.005 $0.04 0.10% $0.04 |
| Purchase with Cash Out Cash-out portion Purchase portion | $0.00 $0.10 | -$0.20 $0.02 | -$0.165 $0.04 | $0.00 $0.06 | $0.00 $0.10 | $0.00 $0.10 |
| Cash Out Only | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Transfers | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 |
| Notes: Interchange Fees are not payable for Refunds and Declines. |
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| Categories | Legacy 1 | Legacy 2 | Legacy 3 | Legacy 4 | Legacy 5 | Legacy 6 | Legacy 7 | Legacy 8 | Legacy 9 |
|---|---|---|---|---|---|---|---|---|---|
| Dual Network Debit Cards | |||||||||
| Charity | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Medicare EasyClaim Refund | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| In-Store Card <= $10 > $10 | $0.04 $0.04 | $0.01 $0.01 | $0.02 $0.02 | $0.02 $0.02 | $0.01 $0.01 | $0.02 $0.02 | $0.02 $0.02 | $0.02 $0.02 | $0.03 $0.03 |
| In-Store Mobile (Tokenised Contactless) <= $10 > $10 | $0.08 $0.08 | $0.02 $0.02 | $0.04 $0.04 | $0.04 $0.04 | $0.04 $0.04 | $0.08 $0.08 | $0.06 $0.06 | $0.08 $0.08 | $0.08 $0.08 |
| Card Not Present <= $100 > $100 Recurring | $0.04 $0.04 $0.04 | $0.01 $0.01 $0.01 | $0.02 $0.02 $0.02 | 0.15% 0.15% 0.15% | $0.01 $0.01 $0.01 | $0.02 $0.02 $0.02 | $0.02 $0.02 $0.02 | 0.15% 0.15% 0.15% | $0.03 $0.03 $0.03 |
| Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5 | $0.04 $0.04 $0.04 $0.04 | $0.01 $0.01 $0.01 $0.01 | $0.02 $0.02 $0.02 $0.02 | 0.15% 0.15% 0.15% 0.15% | $0.01 $0.01 $0.01 $0.01 | $0.02 $0.02 $0.02 $0.02 | $0.02 $0.02 $0.02 $0.02 | 0.15% 0.15% 0.15% 0.15% | $0.03 $0.03 $0.03 $0.03 |
| Purchase with Cash Out Cash-out portion Purchase portion | $0.00 $0.02 | -$0.20 $0.02 | -$0.165 $0.02 | $0.00 $0.02 | $0.00 $0.02 | $0.00 $0.02 | $0.00 $0.02 | $0.00 $0.02 | $0.00 $0.02 |
| Cash Out Only | $0.00 | -$0.165 | -$0.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Transfers | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 |
| Categories | Legacy 1 | Legacy 2 | Legacy 3 | Legacy 4 | Legacy 5 | Legacy 6 | Legacy 7 | Legacy 8 | Legacy 9 |
|---|---|---|---|---|---|---|---|---|---|
| Single Network Debit Cards | |||||||||
| Charity | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | N/A | N/A | N/A | N/A |
| Medicare EasyClaim Refund | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | N/A | N/A | N/A | N/A |
| In-Store Card <= $10 > $10 | $0.06 $0.06 | $0.015 $0.015 | $0.03 $0.03 | $0.045 $0.045 | $0.015 $0.015 | N/A N/A | N/A N/A | N/A N/A | N/A N/A |
| In-Store Mobile (Tokenised Contactless) <= $10 > $10 | $0.08 $0.08 | $0.02 $0.02 | $0.04 $0.04 | $0.06 $0.06 | $0.04 $0.04 | N/A N/A | N/A N/A | N/A N/A | N/A N/A |
| Purchase with Cash Out Cash-out portion Purchase portion | $0.00 $0.02 | -$0.20 $0.02 | -$0.165 $0.02 | $0.00 $0.02 | $0.00 $0.02 | N/A N/A | N/A N/A | N/A N/A | N/A N/A |
| Cash Out Only | $0.00 | -$0.165 | -$0.10 | $0.00 | $0.00 | N/A | N/A | N/A | N/A |
| Transfers | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | N/A | N/A | N/A | N/A |
| Categories | Legacy 1 | Legacy 2 | Legacy 3 | Legacy 4 | Legacy 5 | Legacy 6 | Legacy 7 | Legacy 8 | Legacy 9 |
|---|---|---|---|---|---|---|---|---|---|
| Prepaid Cards | |||||||||
| Charity | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | N/A | N/A | N/A |
| Medicare EasyClaim Refund | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | N/A | N/A | N/A |
| In-Store Card <= $10 > $10 | $0.08 $0.08 | $0.02 $0.02 | $0.04 $0.04 | $0.06 $0.06 | $0.04 $0.04 | $0.08 $0.08 | N/A N/A | N/A N/A | N/A N/A |
| In-Store Mobile (Tokenised Contactless) <= $10 > $10 | $0.08 $0.08 | $0.02 $0.02 | $0.04 $0.04 | $0.06 $0.06 | $0.04 $0.04 | $0.08 $0.08 | N/A N/A | N/A N/A | N/A N/A |
| Card Not Present <= $100 > $100 | $0.08 $0.08 | $0.02 $0.02 | $0.04 $0.04 | $0.06 $0.06 | 0.15% 0.15% | 0.15% 0.15% | N/A N/A | N/A N/A | N/A N/A |
| Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5 | $0.08 $0.08 $0.08 $0.08 | $0.02 $0.02 $0.02 $0.02 | $0.04 $0.04 $0.04 $0.04 | $0.06 $0.06 $0.06 $0.06 | 0.15% 0.15% 0.15% 0.15% | 0.15% 0.15% 0.15% 0.15% | N/A N/A N/A N/A | N/A N/A N/A N/A | N/A N/A N/A N/A |
| Purchase with Cash Out Cash-out portion Purchase portion | $0.00 $0.02 | -$0.20 $0.02 | -$0.165 $0.02 | $0.00 $0.02 | $0.00 $0.02 | $0.00 $0.02 | N/A N/A | N/A N/A | N/A N/A |
| Cash Out Only | $0.00 | -$0.165 | -$0.10 | $0.00 | $0.00 | $0.00 | N/A | N/A | N/A |
| Transfers | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | $0.045 | N/A | N/A | N/A |
| Notes: Interchange Fees are not payable for Refunds and Declines. |
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