WIXLIB

Interchange LevelCPS/Automated FuelDispenserCPS/SupermarketCPS/Passenger Transport –Card PresentCPS/Passenger Transport –Card Not PresentVisa TransactionsRequirements for Interchange LevelLimitations on Card Types and Industries U.S. Merchant Magnetic card swipe must be passed in the authorizationrequest Applicable Electronic Authorization Data must be includedCard Types: U.S. Issued Consumer Credit, Debit, Prepaid,within Settlement RecordHigh Net Worth, Rewards and Signature Authorization must be 1 CAT IndicatorLimited to Automated Fuel Dispensers Settlement within 1 day of transaction Transaction date must be within 1 day of the Authorizationdate 75.00 Transaction Maximum Must contain CAT level indicator of a “3” for FuelDispenser U.S. Merchant Magnetic card swipe must be passed in the authorizationCard Types: U.S. Issued Consumer Credit, Debit, andrequestPrepaid Applicable Electronic Authorization Data must be includedwithin Settlement RecordLimited to Supermarkets that meet eligibility requirements Settlement within 1 day of transaction Authorization & Settlement amounts must match for VisaDebit Cards U.S. Merchant Card Present Characteristics Transaction Identifiers Applicable Electronic Authorization Data must be included Card Types: U.S. Issued Consumer Credit, Debit, andPrepaidwithin Settlement Record Settlement within 7 days of transactionLimited to: Airlines and Railways Transaction date must be within 1 day of the Authorizationdate Ticket #, Sequence # and Count Itinerary Information U.S. Merchant Card Not Present Transaction Identifiers Applicable Electronic Authorization Data must be included Card Types: U.S. Issued Consumer Credit, Debit, andPrepaidwithin Settlement Record Settlement within 7 days of transactionLimited to: Airlines and Railways Transaction date must be within 1 day of the Authorizationdate Ticket #, Sequence # and Count Itinerary InformationSpring 2014 RatesCredit: 1.15% 0.25Debit: 0.80% 0.15 (cap 0.95)Prepaid: 1.15% 0.15 (cap 0.95)Credit: 1.22% 0.05Debit: 0.00% 0.30Prepaid: 1.15% 0.15 (cap 0.35)Credit: 1.70% 0.10Debit: 1.19% 0.10Prepaid: 1.15% 0.15Credit: 1.70% 0.10Debit: 1.70% 0.15Prepaid: 1.75% 0.207

Interchange LevelCPS/Electronic CommercePreferred – PassengerTransportCPS/Rewards 1CPS/Rewards 2Visa TransactionsRequirements for Interchange LevelLimitations on Card Types and Industries U.S. Merchant Applicable Electronic Authorization Data must be includedwithin Settlement RecordCard Types: U.S. Issued Consumer Credit, Debit, and Settlement within 7 days of transactionPrepaid Transaction date can only be 1 day from the AuthorizationdateLimited to: Airlines and Railways Ticket #, Sequence # and Count Itinerary Information Valid E-Commerce Indicator CAVV (Cardholder Authentication Verification Value) U.S. Merchant Transaction must qualify for one of the below InterchangeCard Types: U.S. Issued Consumer Credit, High NetProgramsWorth, Rewards and Signature Cards included CPS/Retail (Rewards and Signature)Excluded: Signature cards at Travel and Entertainment CPS/Supermarket (Rewards and Signature)merchants CPS/Retail Credit Thresholds 1–3 (Signature only) CPS/Supermarket Credit Thresholds 1–3 (Signatureonly) U.S. Merchant Transaction must qualify for one of the below InterchangePrograms : CPS/Card Not Present Credit (Rewards andSignature) CPS/Retail Key Entry (Rewards and Signature) CPS/Electronic Commerce-Basic Credit (Rewardsand Signature)Card Types: U.S. Issued Consumer Credit, Rewards and CPS/Electronic Commerce Preferred Hotel and CarSignature Cards includedRental Credit (Rewards only) CPS/Electronic Commerce Preferred PassengerExcluded: Signature cards at Travel and EntertainmentTransport Credit (Rewards only)merchants CPS/Hotel and Car Rental Card Present (Rewardsonly) CPS/Hotel and Car Rental Card Not Present (Rewardsonly) CPS/Passenger Transport Card Present (Rewardsonly) CPS/Passenger Transport Card Not Present (Rewardsonly) CPS Restaurant (Rewards only)Regulated Debit Regulated U.S. Card IssuerU.S. MerchantCard Types: Regulated U.S. Issued Debit, Prepaid, SmallBusiness Debit and Commercial Debit/PrepaidEIRF U.S. MerchantDoes not meet CPS QualificationsSettlement within 2 days of transactionAuthorization Response CodeCard Types: U.S. Issued Consumer Credit, Debit, andPrepaidOnly level available for quasi cash transactions, excludingexempt debit/prepaid card products.Spring 2014 RatesCredit: 1.70% 0.10Debit: 1.70% 0.15Prepaid: 1.75% 0.201.65% 0.101.95% 0.10Regulated: 0.05% 0.21Regulated with Fraud Adjustment: 0.05% 0.22Credit: 2.30% 0.10Debit: 1.75% 0.20Prepaid: 1.80% 0.208

Interchange LevelRequirements for Interchange LevelVisa TransactionsLimitations on Card Types and IndustriesCard Types: U.S. Issued Consumer Credit, Debit, andPrepaidOnly level available for high-risk merchants and nonsecure E-Commerce transactions U.S. MerchantDoes not meet CPS QualificationsSettlement after 2 days of the transaction Commercial Card ElectronicNon T&E U.S. MerchantMust be registered with Visa and have a valid MVVMust qualify for one of the following InterchangePrograms:- CPS/Card Not Present- CPS/Ecommerce BasicCPS/Ecommerce PreferredU.S. MerchantMust be registered with Visa and have a valid MVVMust qualify for one of the following InterchangePrograms:- CPS/Card Not Present- CPS/Ecommerce BasicCPS/Ecommerce PreferredU.S. MerchantCPS QualificationT&E MerchantU.S. MerchantT&E MerchantDoes not meet CPS QualificationsU.S. MerchantCPS QualificationT&E MerchantU.S. MerchantDoes not meet CPS QualificationsSettlement within 30 days of transactionU.S. MerchantLevel II data: Non fuel transactions only require sales tax1Does not meet CPS QualificationsNon-T&E MerchantCommercial Card ElectronicT&E U.S. MerchantCPS QualificationT&E MerchantStandardCPS/Debt Repayment FeeProgram CPS/Tax Payment Fee 1 & 2Signature ElectronicSignature StandardSignature PreferredElectronicSignature Preferred StandardCommercial Card Standard U.S. MerchantDoes not meet CPS QualificationsDoes not meet Level II data RequirementsSpring 2014 RatesCredit: 2.70% 0.10Debit: 1.90% 0.25Prepaid: 1.90% 0.25Card Types: U.S. Issued Consumer Debit and PrepaidLimited to: Card Not Present Financial and Non-financialInstitutions (merchants selling negotiable instruments andaccepting loan payments)Debit: 0.65% 0.15 (cap 2.00)Prepaid: 0.65% 0.15 (cap 2.00)Card Types: U.S. Issued Consumer Debit and PrepaidLimited to: Card Not Present Tax PaymentsDebit: 0.65% 0.15 (cap 2.00)Prepaid: 0.65% 0.15 (cap 2.00)Card Type: U.S. Issued Signature Card2.30% 0.10Limited to: T&E MerchantsCard Type: U.S. Issued Signature Card2.70% 0.10Limited to: T&E MerchantsCard Type: U.S. Issued Signature Preferred Card2.40% 0.10Limited to: T&E MerchantsCard Type: U.S. Issued Signature Preferred Card2.95% 0.10Card Type: U.S. Issued Corporate and Purchasing CardsCorporate: 2.75% 0.10Purchasing: 2.75% 0.10Card Type: U.S. Issued Business, Business Enhanced,Signature Business, Corporate and Purchasing CardsBusiness: 2.40% 0.10Business Enhanced: 2.75% 0.15Signature Business: 2.85% 0.20Card Type: U.S. Issued Business, Business Enhanced,Signature Business, exempt Business Debit, Corporate,and Purchasing CardsBusiness: 2.95% 0.20Business Enhanced: 2.95% 0.20Signature Business: 2.95% 0.20Business Debit: 2.95% 0.10Corporate: 2.95% 0.10Purchase: 2.95% 0.109

Interchange LevelGSA G2G(Government 2 Government)GSA Purchasing CardLarge TicketPurchasing Card LargeTicketRequirements for Interchange Level U.S. MerchantMust be registered with Visa and have a valid MVVCPS qualification U.S. MerchantCPS QualificationNon-T&E MerchantPurchasing Card Level II: sales tax1 and customer codePurchasing Card Level III: Level III2 data includes Level IIdata and line item detailU.S. MerchantCPS QualificationNon-T&E MerchantSettlement within 7 days of transactionPurchasing Card Level II: sales tax1 and customer code.If the local tax included field equals 2 (tax exempt)then value must be zeroPurchasing Card Level III: Level III2 data includes LevelII data and line item detail Purchasing Large PurchaseAdvantage Ticket 1 Purchasing Large PurchaseAdvantage Ticket 2Visa TransactionsLimitations on Card Types and IndustriesCard Types: US. Issued GSA Purchasing Card Spring 2014 RatesLimited to: Federal Government Services and U.S. PostalService1.65% 0.10Card Type: US. Issued GSA Purchasing Card1.20% 39.00Card Type: U.S. Issued Non-GSA Purchasing Cardincluding Prepaid Cards1.45% 35.00U.S. Merchant (Non T&E)Must be card not presentTransaction amount between 10,000.01 and 25,000.00CPS qualified with card not present transactioncharacteristicsMeets 8 day clearing timelinessCard Type: U.S. Issued Visa Large Purchase Advantage(VLPA) and General Services Administration (GSA) Card0.70% 49.50U.S. Merchant (Non T&E)Must be card not presentTransaction amount between 25,000.01 and 100,000.00CPS qualified with card not present transactioncharacteristicsMeets 8 day clearing timelinessCard Type: U.S. Issued Visa Large Purchase Advantage(VLPA) and General Services Administration (GSA) Card0.60% 52.5010

Interchange LevelPurchasing Large PurchaseAdvantage Ticket 3Requirements for Interchange Level Electronic with DataCommercial CardLevel IISpring 2014 RatesU.S. Merchant (Non T&E)Must be card not presentTransaction amount between 100,000.01 and 500,000.00CPS qualified with card not present transactioncharacteristicsMeets 8 day clearing timelinessCard Type: U.S. Issued Visa Large Purchase Advantage(VLPA) and General Services Administration (GSA) Card0.50% 55.50Card Type: U.S. Issued Visa Large Purchase Advantage(VLPA) and General Services Administration (GSA) Card0.40% 58.50 U.S. Merchant (Non T&E)Must be card not presentTransaction amount 500,000.01 and greaterCPS qualified with card not present transactioncharacteristicsMeets 8 day clearing timeliness U.S. MerchantNon-T&E MerchantLevel III2 data requirements are metDoes not meet requirements for any CPS program U.S. MerchantCPS QualificationNon-T&E MerchantLevel II data: Non fuel transactions only require sales tax1Level II data: Purchasing Card fuel transactions requirecustomer code Purchasing Large PurchaseAdvantage Ticket 4Visa TransactionsLimitations on Card Types and Industries Card Type: U.S. Issued Corporate and Purchasing CardsCard Type: U.S. Issued Business, Business Enhanced,Signature Business, Corporate, and Purchasing Cards2.75% 0.10 (all card types)Business: 2.05% 0.05Business Enhanced: 2.05% 0.05Signature Business: 2.05% 0.05Corporate: 2.05% 0.05Purchasing: 2.05% 0.0511

Interchange LevelCommercial Level IIICommercial – CNPCommercial RetailCommercial –Business-to-BusinessVisa TransactionsRequirements for Interchange LevelLimitations on Card Types and Industries U.S. MerchantCard Type: U.S. Issued Purchasing, including GSA CPS QualificationPurchasing and Corporate Cards. Non-T&E MerchantLevel 3 fuel data required for Fleet fuel transactions. Level III2 data required U.S. Merchant Non-T&E Merchant Level II data requirements not met Transaction must qualify for one of the below InterchangeprogramsCard Type: U.S. Issued Business, Business Enhanced,Signature Business, Corporate, and Purchasing Cards CPS/Card Not Present CPS/Electronic Commerce Preferred CPS/Electronic Commerce Basic CPS/Retail 2 CPS/Account Funding U.S. Merchant Non-T&E Merchant Level II data requirements not met Transaction must qualify for one of the below Interchangeprograms:Card Type: U.S. Issued Business, Business Enhanced, CPS/RetailSignature Business, Corporate, and Purchasing Cards CPS/Supermarket CPS/Retail Key Entry CPS/Small Ticket CPS/Automated Fuel Dispenser CPS/Retail Service Station U.S. MerchantNon-T&E MerchantLevel II data requirements are not metQualified for any CPS program U.S. MerchantFuel transactionLevel II and fuel data requirements met, CPS qualificationsnot metorLevel II and/or fuel data requirements not met, CPSqualifiedCard Type: U.S. Issued Business, Business Enhanced,Signature Business, Corporate, and Purchasing CardsLimited to specific business-to-business MCCsSpring 2014 Rates1.95% 0.10Business: 2.25% 0.10Business Enhanced: 2.45% 0.15Signature Business: 2.60% 0.20Corporate: 2.20% 0.10Purchase: 2.65% 0.10Signature Preferred CNP: 2.40% 0.10Business: 2.20% 0.10Business Enhanced: 2.30% 0.10Signature Business: 2.40% 0.10Corporate: 2.10% 0.10Purchase: 2.40% 0.10Signature Preferred Retail: 2.10% 0.10Business: 2.10% 0.10Business Enhanced: 2.25% 0.10Signature Business: 2.40% 0.10Corporate: 2.10% 0.10Purchase: 2.40% 0.10Signature Preferred: 2.10% 0.10Purchasing Card – RetailFleet Card Type: U.S. Issued Fleet Purchasing Card2.40% 0.1012

Interchange LevelBusiness Debit – CardPresentBusiness Debit – Card NotPresentCommercial Retail – PrepaidVisa TransactionsRequirements for Interchange LevelLimitations on Card Types and Industries U.S. Merchant Must be card present Must qualify for one of the below Interchange Programs:o CPS/Retailo CPS/Retail Key Entryo CPS/Small TicketCard Type: U.S. Issued Business Debit Cardo CPS/Supermarketo CPS/Restauranto CPS/Retail Service Stationo CPS/Automated Fuel Dispensero CPS/Hotel and Car Rental Card Presento CPS/Passenger Transport Card Present U.S. Merchant Must be card not present Must qualify for one of the below Interchange Programs: CPS/Card Not Present CPS/Electronic Commerce – Basic CPS/Electronic Commerce – Preferred RetailCard Type: U.S. Issued Business Debit Card CPS/Hotel and Car Rental Card Not Present CPS/Passenger Transport Card Not Present CPS/Electronic Commerce Preferred Hotel andCar Rental CPS/Electronic Commerce Preferred PassengerTransport CPS/Account Funding U.S. Merchant Must be card present Must qualify for one of the below Interchange Programs:o CPS/Retailo CPS/Retail Key Entryo CPS/Small TicketCard Type: U.S. Issued Business, Purchasing, ando CPS/SupermarketCorporate Prepaid Cardo CPS/Restauranto CPS/Retail Service Stationo CPS/Automated Fuel Dispensero CPS/Hotel and Car Rental Card Presento CPS/Passenger Transport Card Present Level 2 and 3 data is not requiredSpring 2014 Rates1.70% 0.102.45% 0.102.15% 0.1013

Interchange LevelCommercial Card NotPresent – PrepaidVisa TransactionsRequirements for Interchange LevelLimitations on Card Types and Industries U.S. Merchant Must be card not present Must qualify for one of the below Interchange Programs:o CPS/Card Not Presento CPS/Electronic Commerce – Basico CPS/Electronic Commerce – Preferred RetailCard Type: U.S. Issued Business, Purchasing, ando CPS/Hotel and Car Rental Card Not PresentCorporate Prepaid Cardo CPS/Passenger Transport Card Not Presento CPS/Electronic Commerce Preferred Hotel andCar Rentalo CPS/Electronic Commerce Preferred PassengerTransporto CPS/Account Funding Level 2 and 3 data is not requiredSpring 2014 Rates2.65% 0.10Commercial Standard –Prepaid U.S. MerchantTransaction is not CPS qualifiedLevel 2 and 3 data is not requiredCard Type: U.S. Issued Business, Purchasing, andCorporate Prepaid Card2.95% 0.10T&E Commercial Card U.S. MerchantMust be T&E MerchantQualified at any CPS ProgramCard Type: U.S. Issued Corporate and Purchasing CardCorporate: 2.55% 0.10Purchase: 2.45% 0.10 U.S. MerchantMeets CPS Qualification Requirements for any of thefollowing programs:o CPS/Retailo CPS/Supermarketo CPS/Small Ticketo CPS/Retail Key EntrySpend Qualified Indicator Q (cardholder spendrequirements met)U.S. MerchantMeets CPS Qualification Requirements for any of thefollowing programs:o CPS/Card Not Presento CPS/Account Fundingo CPS/Electronic Commerce–Basico CPS/Electronic Commerce Preferred–RetailSpend Qualified Indicator Q (cardholder spendrequirements met)Consumer Credit–Retail Consumer Credit–Card NotPresent Card Type: U.S. Consumer High Net Worth Credit cardLimited: Non T&E Merchant Category; Select developingmarket MCCs will be eligible if CPS/Retail or CPS/RetailKey Entry qualified.2.10% 0.10Card Type: U.S. Consumer High Net Worth Credit cardLimited: Non T&E Merchant Category; Select developingmarket MCCs will be eligible if CPS/Card Not Present,CPS/Electronic Commerce-Basic, and CPS/ElectronicCommerce Preferred-Retail qualified.2.40% 0.1014

Interchange LevelConsumer Credit–B2BConsumer Credit–FuelRequirements for Interchange Level U.S. Merchant Meets CPS Qualification requirements for any CPS rateprogram Spend Qualified Indicator Q (cardholder spendrequirements met) Consumer Credit–ElectronicVisa TransactionsLimitations on Card Types and IndustriesCard Type: U.S. Consumer High Net Worth Credit cardU.S. MerchantMeets CPS Qualification Requirements for any of thefollowing programs:o CPS/Automated Fuel Dispensero CPS/Retail Service StationSpend Qualified Indicator Q (cardholder spendrequirements met) U.S. MerchantT&E MerchantCPS Qualification requirements metSpend Qualified Indicator Q (cardholder spendrequirements met) U.S. MerchantDoes not meet CPS QualificationSpend Qualified Indicator Q (cardholder spendrequirements met) Private Label card program authorized and settled throughthe Visa NetworkJurisdiction: Domestic Regional and InterregionaljurisdictionApplies to sale and credit refund transactionsInterregional Commercial(US) U.S. MerchantSettlement within 30 days of transactionInterregionalSignature/Infinite (US) U.S. MerchantSettlement within 30 days of transactionU.S. MerchantMagnetic card swipe or contactless information must bepassed in the authorization request / valid approval codeSettlement within 2 days of transactionConsumer Credit–StandardPrivate LabelInterregional Electronic (US) Limited: Non Travel Service business to business (B2B)MCCsSpring 2014 Rates2.10% 0.10Card Type: U.S. Consumer High Net Worth Credit cardLimited: Automated Fuel Dispenser and Service Stations1.15% 0.25 (Capped at 1.10)Card Type: U.S. Consumer High Net Worth Credit cardLimited to: Airline, Hotel, Lodging, Travel Agencies,Restaurant, and Fast Food2.40% 0.10Card Type: U.S. Consumer High Net Worth Credit card2.95% 0.10 (Capped at 1.10 for Fuel)Card Type: Private Label Basic, Enhanced, Standard,Specialized, and Premium CardExcludes: ReadyLink and Load Service TransactionsCard Type: Non-U.S. issued Business, SignatureBusiness, Platinum Business Corporate, Purchasing,Transport/Cargo, Infinite Privilege Business andDistribution cardCard Type: Non-U.S. issued Signature and InfiniteCard Type: Non-U.S. issued Consumer and ElectronBasic: 0.00% 0.00Enhanced: 5.00% 0.00Standard: 1.75% 0.20Specialized: 25.00% 0.00Premium: 30.00% 0

The IRG is only a summary of the primary qualification criteria established by MasterCard, Visa and Discover for each Interchange level - it is not all inclusive. In the event of any ambiguity or conflict, the Interchange requirements established by the Payment Card Brands will determine the Interchange level at which transactions qualify.