Worldpay uses an interchange-plus pricing structure (IC+). Credit card transactions incur a fee of 1.25% plus $0.10 per transaction, in addition to the card’s interchange fee. Debit cards follow a similar structure but generally have lower interchange fees. ACH transactions are charged 1.00% plus $0.25 per transaction.
Interchange rates vary widely by card network, card type, and issuing bank. Card networks typically publish updated interchange rates twice a year. The general 2026 interchange estimates by payment type are listed below.
Please note that the ranges below are not the total Worldpay Mosaic credit card fees. They are broad estimates of only the interchange portion of the rate.
| Card Brand | Typical General Interchange Range |
|---|---|
| Visa | Approximately 1.50%–3.15%, usually plus a per-transaction fee |
| Mastercard | Approximately 1.65%–3.25%, usually plus a per-transaction fee |
| American Express | Approximately 1.45%–3.50% in wholesale or discount costs |
| Discover | Approximately 1.56%–2.40%, usually plus approximately $0.10 per transaction |
| ACH | ACH transactions do not have card interchange fees |
These ranges are suitable as broad estimates against total volume. Actual interchange rates depend on factors such as the card’s rewards level, commercial versus consumer card classification, transaction method, merchant category, qualification level, and ticket size.
Mosaic Stripe users are on a blended-rate structure. Current Mosaic rates for U.S. and Canadian users are as follows:
United States
Visa, Mastercard, and Discover: 4.75%
American Express: 5.00%
ACH: 1.00% plus $0.25 per transaction
Canada
Credit cards: 3.50% plus $0.15 per transaction
Electronic Funds Transfers are not currently available.
US Stripe rates: Visa, Mastercard, and Discovery: 4.75%, Amex: 5%, ACH 1% + $0.25 CAN Stripe rates are: 3.5% + $0.15