Network Withdrawal Inquiry Deposit Transfer 2006 POS 2005 POS
  Star 46?-54? 20?-25? $2-$2.25 20?-25? 60?(a) 60?
  NYCE 38?-52? 25? $2-$2.25 25? 65?(b) 65?
  Pulse 46?-52? 20?-25? $2-$2.25 20?-25? 65?(c) 65?
  Accel/Exchange 45?-55? 25? $2.50 25? 45?(d) 45?
  Co-Op Network 50?-70? 10?-11? $1.15-$1.60 10?-11? N/A N/A
  Shazam 46?-52? 25? $2.25 25? 24?(e) 15?
  Jeanie 45?-51? 20?-25? $2-$2.25 20?-25? 40?(f) 40?
  NetWorks $1.50 75? $3 75? 15? 15?
  MoneyMaker 40?-60? 20?-40? N/A 20?-40? N/A N/A
  NATIONAL NETWORKS
  Cirrus 50? 25? N/A 25? N/A N/A
  Plus 50?(g) 25?(g) $2.50(g) 25?(g) N/A N/A
  Maestro 50? 25? N/A 25? 45? 45?
  Interlink NA N/A N/A N/A 50?(h) 50?
  AFFN 45?-56? 20?-25? N/A 20?-25? 50?(i) 14?-18?
  SOURCE: ATM&Debit News. For ATM withdrawals, inquiries, deposits and transfers, issuers pay acquirers interchange. For purchases, acquirers pay issuers interchange and pass those costs along to merchant clients. (a) Nonsupermarkets with less than 5 million monthly Star transactions but large-ticket sales pay 0.65% of the sale plus 12?, with a 60? cap. Quick-service restaurant merchants with small-ticket sales and fewer than 5 million monthly transactions pay 1.25% of a sale plus 2? with a 45-cent cap. Merchants not in special retail categories with 5 million to 15 million monthly Star transactions pay 0.6% of the sale plus 5?, capped at 35?, while those with 15 million or more monthly Star transactions pay 0.55% of the sale plus 4?, capped at 30?. The supermarket/wholesale club rate is a flat 21? for merchants with less than 5 million monthly Star transactions and 15? for merchants with at least 15 million monthly transactions. Petroleum merchants with at least 15 million monthly Star transactions pay 0.55% of the sale plus 4?, capped at 25?. The rate for petroleum merchants with between 5 to 15 million transactions is 0.6% per sale plus 5?, capped at 30?. The rate for petroleum merchants with fewer than 5 million monthly transactions is 0.6% of the sale plus 12?, capped at 40?. A 1? administrative fee is added to each transaction, regardless of merchant type. (b)Merchants pay 0.65% of the sale plus 10?, capped at 65?. Nonsupermarket merchants with at least $15 billion in overall annual sales, and all quick-service restaurants, pay 0.5% of the sale plus 6? capped at 45?. The standard supermarket rate is a flat 24?. However, supermarket chains with annual gross domestic sales of $5 billion to $10 billion pay a maximum 22? per transaction, while supermarkets with at least $10 billion in gross annual sales pay a flat 17.5? per transaction. (c)Pulse sets a top, nonsupermarket rate of 0.65% of a sale plus 10? for merchants with fewer than 500,000 monthly transactions. Merchants with more than 5 million monthly transactions pay 0.5% of a sale plus 6?, with a 45-cent cap. The top supermarket rate is 21? for merchants with fewer than 500,000 monthly Pulse transactions while merchants with more than 5 million monthly transactions pay 13?. (d)Most merchants pay 0.65% of the sale plus 10?, capped at 45? for nonsupermarket transactions at stores with less than $10 billion in sales the previous year. Nonsupermarkets that had more than $38 billion in annual sales the previous year pay 0.55% of the sale plus 4?, capped at 30?. The supermarket rate for stores with less than $10 billion in annual sales is 20?, while supermarkets with more than $38 billion in annual sales pay 16?. The quick-service restaurant rate is 1.25% of a sale plus 1? with a 40-cent cap. (e)Nonsupermarkets with fewer than 1 million Shazam transactions pay 24?. The supermarket rate for merchants with fewer than 1 million monthly transactions is 16? per sale. Merchants with more than 2.5 million monthly transactions pay 9? per sale. (f)A 3-tier rate structure in which nonsupermarkets with less than $50 million in monthly sales pay 0.6% per sale plus 10? with a cap of 40?. The lowest nonsupermarket rate for merchants with at least $100 million in monthly sales is 0.3% of a sale plus 4? with a 19? cap. Supermarkets with less than $50 million in sales pay a flat 18?, while supermarket acquirers with $100 million in sales pay 14?. Quick-service restaurants pay 8?. (g)The top rate issuers pay acquirers in a Tier 1 category. Most nonbank ATM deployers in Tier 2 will receive less in a new Visa Plus rate policy that takes effect in October 2006. (h)Merchants with the lowest sales volume pay 0.75% of the sale plus 15?, capped at 50?, for nonsupermarket transactions while the highest-volume nonsupermarkets pay 0.45% of a sale plus 8? with a 28-cent cap. Lowest-volume supermarkets pay a flat 24?. The highest-volume supermarkets pay a flat 17?. (i)AFFN in March 2006 set a top nonsupermarket rate of 50? for small-volume merchants. Large-volume merchants pay a top rate of 35? per sale. The supermarket rate is a flat 14?.
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