Commercial Card Interchange: Large Tickets Cost Less
A $250,000 B2B card invoice can cost 0.52% or 2.70% in interchange depending on the fee program. That is about $5,445 on one transaction.
By Jeffrey Anderson
- Commercial cards sit on separate tables in the 18 April 2026 Visa schedule, with Commercial Card Not Present at 2.70% plus $0.10 against 1.89% plus $0.10 for the general consumer card-absent program.
- Two distinct large-ticket structures exist. Straight Through Processing is banded from 2.00% plus $0.10 below $7,000 down to 0.80% plus $35.00 at $100,000 and greater. Visa Large Purchase Advantage is card-not-present only and runs from 0.70% plus $49.50 to 0.40% plus $58.50 above $500,000.
- On a $250,000 card-not-present invoice that is $6,750.10 at the standard commercial rate against $1,305.50 under Large Purchase Advantage, a difference of about $5,445 on one transaction.
- Non-Qualified and Non-Qualified with Data are priced identically at 2.95% plus $0.10, so enhanced data helps a transaction qualify for a better program but earns nothing once it has already fallen to non-qualified.
- The bands are stated to the cent. Straight Through Processing tier 3 ends at $49,999.99 and tier 4 begins at $50,000, and Large Purchase Advantage begins at $10,000.01, so a flat $10,000 invoice falls under the Visa Purchasing card rates instead.
- The schedule publishes rates but not qualification criteria, referring instead to the U.S. Interchange Reimbursement Fee Rate Qualification Guide, so which programs your transactions actually clear under is a question for your acquirer.
Commercial card interchange runs on different tables from consumer cards, and on large B2B tickets the percentage falls as the invoice grows. A $250,000 card-not-present invoice can carry interchange of 0.52% or 2.70% depending on which fee program it lands in. That is a difference of about $5,445 on one transaction.
Every rate here is from the Visa USA Interchange Reimbursement Fees schedule effective 18 April 2026. The dollar comparisons are ours, worked from those rates.
The standard commercial rates
These apply to Visa Purchasing and Corporate T&E cards, and the schedule notes that the purchasing column includes Fleet cards.
| Fee program | Rate |
|---|---|
| Commercial Product 3 | 1.75% + $0.10 |
| Commercial Level II, Fuel | 2.20% + $0.10 |
| Commercial Card Present | 2.50% + $0.10 |
| Commercial Travel Service | 2.65% + $0.10 |
| Commercial Card Not Present | 2.70% + $0.10 |
| Non-Qualified | 2.95% + $0.10 |
| Commercial Product Large Ticket | 1.30% + $35.00 |
Purchasing cards also have two rows of their own: Government-to-Government at 1.65% + $0.10, and GSA Large Ticket at 1.20% + $39.00.
Adding data to a non-qualified transaction does nothing
Look closely at the non-qualified rows. The schedule lists both Non-Qualified and Non-Qualified with Data, and both are 2.95% + $0.10.
That matters because the usual pitch for enhanced data is that it lowers your rate. It does, by helping a transaction qualify for a better program in the first place. What it does not do is rescue a transaction that has already fallen to non-qualified. At that point the data earns you nothing. The mechanics of which fields are required sit on our Level 2 and Level 3 processing page.
Two separate large-ticket structures
This is the part almost nobody lays out, because it means reading three tables against each other.
Straight Through Processing is banded by ticket size:
| STP tier | Rate |
|---|---|
| Less than $7,000 | 2.00% + $0.10 |
| $7,000 to $14,999.99 | 1.30% + $35.00 |
| $15,000 to $49,999.99 | 1.10% + $35.00 |
| $50,000 to $99,999.99 | 0.95% + $35.00 |
| $100,000 and greater | 0.80% + $35.00 |
Visa Large Purchase Advantage is banded differently, and only card not present:
| Large Purchase Advantage band | Rate |
|---|---|
| Card present, all ticket sizes | Visa Purchasing card rates apply |
| Card not present, $10,000 or less | Visa Purchasing card rates apply |
| Card not present, $10,000.01 to $25,000 | 0.70% + $49.50 |
| Card not present, $25,000.01 to $100,000 | 0.60% + $52.50 |
| Card not present, $100,000.01 to $500,000 | 0.50% + $55.50 |
| Card not present, greater than $500,000 | 0.40% + $58.50 |
Notice the shape. The percentage drops from 0.70% to 0.40% as the ticket grows, while the fixed fee climbs from $49.50 to $58.50. The fixed component is doing the work at the small end of each band and the percentage is doing it at the large end.
What that looks like in dollars
A $50,000 card-not-present invoice:
| Program | Rate | Interchange | Effective |
|---|---|---|---|
| Commercial Card Not Present | 2.70% + $0.10 | $1,350.10 | 2.70% |
| Commercial Product Large Ticket | 1.30% + $35.00 | $685.00 | 1.37% |
| STP tier 4 | 0.95% + $35.00 | $510.00 | 1.02% |
| Large Purchase Advantage | 0.60% + $52.50 | $352.50 | 0.70% |
And at $250,000:
| Program | Rate | Interchange | Effective |
|---|---|---|---|
| Commercial Card Not Present | 2.70% + $0.10 | $6,750.10 | 2.70% |
| Commercial Product Large Ticket | 1.30% + $35.00 | $3,285.00 | 1.31% |
| STP tier 5 | 0.80% + $35.00 | $2,035.00 | 0.81% |
| Large Purchase Advantage | 0.50% + $55.50 | $1,305.50 | 0.52% |
This is why large B2B invoices are payable by card at all. At 2.70% a $250,000 invoice costs $6,750 to accept, which no supplier absorbs. At 0.52% it costs $1,306.
Watch the band edges
The bands are stated to the cent, so read them precisely rather than rounding. Straight Through Processing tier 3 runs to $49,999.99 and tier 4 starts at $50,000, so a $50,000 invoice is a tier 4 transaction at 0.95%, not tier 3 at 1.10%. Large Purchase Advantage starts at $10,000.01, so a flat $10,000 invoice falls under the Visa Purchasing card rates instead.
A dollar either side of a band edge changes the rate. On a large invoice that is real money, and it is the kind of detail a statement will not explain to you.
The schedule publishes rates, not qualification
Worth being clear about the limit of this document. It tells you what each program costs. It does not tell you how a transaction qualifies for Straight Through Processing or Large Purchase Advantage, and we are not going to guess. The schedule itself points to a separate publication, the U.S. Interchange Reimbursement Fee Rate Qualification Guide, for complete qualification details.
So treat these tables as the map of what is available, then ask your acquirer which programs your transactions are actually clearing under and what is missing from the ones that are not. The method for reading that off a statement is in our guide to reading a processing statement.
Prepaid commercial is priced separately again
For completeness, Visa Business and Visa Purchasing Prepaid on an exempt issuer run 2.15% + $0.10 card present and 2.65% + $0.10 card not present, with Visa Purchasing Prepaid Large Ticket at 1.45% + $35.00. Regulated commercial prepaid is 0.05% + $0.21 like regulated debit, with the same footnote that issuers certifying compliance with the interim fraud prevention standards receive an additional USD 0.01.
The consumer-side equivalents of these structures are in our posts on interchange caps and ticket-size thresholds.
Frequently Asked Questions
Why do commercial cards cost more than consumer cards?
They sit on separate tables with higher rates. Commercial Card Not Present is 2.70% + $0.10, against 1.89% + $0.10 for the general consumer card-absent program in the All Other Products column.
Does sending Level 2 or Level 3 data always lower my rate?
No. It helps a transaction qualify for a better program. Once a transaction has fallen to non-qualified, the schedule prices Non-Qualified and Non-Qualified with Data identically at 2.95% + $0.10.
What is the cheapest published rate for a large B2B invoice?
Large Purchase Advantage at 0.40% + $58.50, for a card-not-present transaction greater than $500,000. On a $1,000,000 invoice that is $4,058.50, against $27,000.10 at the standard commercial card-absent rate.
Does a $50,000 invoice fall in STP tier 3 or tier 4?
Tier 4. Tier 3 is stated as $15,000 to $49,999.99 and tier 4 as $50,000 to $99,999.99, so exactly $50,000 is tier 4 at 0.95% + $35.00.
How do I qualify for these programs?
The rate schedule does not say. It publishes the rates and refers you to the U.S. Interchange Reimbursement Fee Rate Qualification Guide. Ask your acquirer which programs your volume currently clears under before assuming any of them are available to you.
Jeffrey Anderson, Merchant Placement Specialist
Merchant placement specialist at Gray Merchants. Jeffrey works directly with acquiring-bank underwriting teams across the firm’s 70+ banking relationships to place high-risk and hard-to-place businesses, structure multi-MID accounts, and keep flagged merchants processing. His writing draws on the placement files he works every week: what underwriters ask for, why accounts get declined, and what keeps an approved account open.