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  • Concept

    Interchange reimbursement fees (IRF) are used as a balancing mechanism between the financial institutions involved in a transaction to help grow the payment system for the benefit of all participants. Generally, acquirers reimburse issuers for point-of-sale transactions, and issuers reimburse acquirers for cash and ATM transactions

    UPI's current IRF rate structure includes rates that vary by acceptance region, transaction type, card type, card level and merchant category. The goal of UPI in setting IRF rate is to ensure wide-spread issuance and acceptance of UnionPay Cards.

    IRF by Country
    Italy

    1.The domestic IRFs in Italy are shown below.


    IRFs for POS/E-commerce/ MO/TO and Recurring Transactions


    Card Product MCCs Category Acquirer Pays Issuer
    Consumer Card Bill Payment and Utilities 4814, 4816, 4899, 4900 Professional Services and Membership Organizations 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8675 Government Services 9211, 9222, 9311, 9399, 9402, 9405 Debit Card &Prepaid Card 0.2%
    Capped at EUR 0.07
    Credit Card 0.3%
    Capped at EUR 0.3
    Other MCCs Debit Card &Prepaid Card 0.2%
    Credit Card 0.3%
    Commercial Card* Debit Card &Prepaid Card EUR 0.6
    Credit Card 1.5%

    * The commercial card pricing will take effect on May 7 2018


    IRFs for ATM Transactions


    Transaction Acquirer Receives from Issuer
    ATM Withdrawal USD 1.375
    ATM Inquiry USD 0.25

    2.Cross-border tractions with Unionpay cards issued within EEA (European Economic Area) countries and accepted in Italy will follow the EEA regional pricing shown below.


    IRFs for POS/E-commerce/ MO/TO and Recurring Transactions


    IRF by Card Type Acquirer Pays Issuer
    Consumer Debit/Prepaid Card 0.2%
    Credit Card 0.3%
    Commercial* Debit/Prepaid Card EUR 0.6
    Credit Card 1.5%

    * The commercial card pricing will take effect on May 7 2018


    IRFs for ATM Transactions


    Transaction Acquirer Receives from Issuer
    ATM Withdrawal USD 1.375
    ATM Inquiry USD 0.25

    3.The IRFs for UnionPay cards issued outside of EEA (European Economic Area) countries and accepted in Italy will follow the international pricing shown below.


    IRFs for POS, MO/TO and Recurring Transactions


    Transaction Types Acquirer Pays Issuer
    POS Transactions 1.1%
    Mo/To Transactions 1.5%
    Recurring Transactions 1.1%

    IRFs for E-Commerce Transactions


    MCC Acquirer Pays Issuer
    Airport (4511) Education (8211,8220,8241,8244,8249,8299)
    Insurance (5960,6300)
    1.15%
    Other
    MCCs
    1.2%

    IRFs for ATM Transactions


    Transaction Acquirer Receives from Issuer
    ATM Withdrawal USD 1.375
    ATM Inquiry USD 0.25
    Poland

    1.Interchange Reimbursement Fees(IRFs)


    (1)IRFs for cross-border transactions with Unionpay cards issued within EEA (European Economic Area) countries and accepted in Poland will follow the EEA regional pricing shown below.


    IRFs for POS/E-commerce/ MO/TO and Recurring Transactions


    IRF by Card Type Acquirer Pays Issuer
    Consumer Debit/Prepaid Card 0.2%
    Credit Card 0.3%
    Commercial* Debit/Prepaid Card EUR 0.6
    Credit Card 1.5%

    * The commercial card pricing will take effect on May 7 2018


    IRFs for ATM Transactions


    Transaction Acquirer Receives from Issuer
    ATM Withdrawal USD 1.375
    ATM Inquiry USD 0.25

    (2)IRFs for UnionPay cards issued outside of EEA (European Economic Area) countries and accepted in Poland will follow the international pricing shown below.


    IRFs for POS, MO/TO and Recurring Transactions


    Transaction Types Acquirer Pays Issuer
    POS Transactions 1.1%
    Mo/To Transactions 1.5%
    Recurring Transactions 1.1%

    IRFs for E-Commerce Transactions


    MCC Acquirer Pays Issuer
    Airport (4511) Education (8211,8220,8241,8244,8249,8299)
    Insurance (5960,6300)
    1.15%
    Other
    MCCs
    1.2%

    IRFs for ATM Transactions


    Transaction Acquirer Receives from Issuer
    ATM Withdrawal USD 1.375
    ATM Inquiry USD 0.25

    2.Service Fees(SFs)


    (1)Service Fees(SFs) for cross-border transactions with Unionpay cards issued within EEA (European Economic Area) countries and accepted in Poland will follow the EEA regional pricing shown below.


    SFs for POS /E-Commerce/ MO/TO and Recurring Transactions


    For all UnionPay credit card transactions


    Types Acquirer Pays UPI
    Acquirer Clearing Fee EUR0.004
    Acquirer Authorization Fee EUR0.006
    Acquirer Card Service Fee 0.011%
    License Fee 0.001%

    For all UnionPay debit/prepaid card transactions


    Types Acquirer Pays UPI
    Acquirer Clearing Fee EUR0.004
    Acquirer Authorization Fee EUR0.006
    Acquirer Card Service Fee 0.005%
    License Fee 0.001%

    SFs for ATM Transactions


    Transaction Type Acquirer Pays UPI
    ATM Withdrawal USD 0.125
    ATM Inquiry USD 0.035

    (2)SFs for UnionPay cards issued outside of EEA (European Economic Area) countries and accepted in Poland will follow the international pricing shown below.


    SFs for POS / MO/TO and Recurring Transactions


    Transaction Type Acquirer Pays UPI
    POS Transactions 0.1%
    Mo/To Transactions 0.1%
    Recurring Transactions 0.1%

    SFs for ATM Transactions


    Transaction Type Acquirer Pays UPI
    ATM Withdrawal USD 0.125
    ATM Inquiry USD 0.035

    SFs for E-Commerce transactions


    MCC Acquirer Pays UPI
    Airport (4511) Education (8211,8220,8241,8244,8249,8299) Insurance (5960,6300) 0
    Other MCCs 0.2%

    Malaysia

    In 2019, The Central Bank of Malaysia (Bank Negara Malaysia/BNM) required that all international card schemes adjust their domestic interchange rate for local credit card transactions in Malaysia, and UPI also amends Service Fees for all POS, E-commerce, MO/TO, Recurring, QRC-based transactions, which will take effect on July 1, 2019.

    The current domestic pricing in Malaysia is shown below.


    1.Interchange Reimbursement Fees (IRFs)

    Table-1:IRFs for Credit Card POS/E-commerce/MOTO/Recurring/QRC-based transactions


    MCCs IRFs
    (Acquirer Pays Issuer)
    Petroleum (5541, 5542) 0.575%
    Max: MYR0.80
    Government Services and Charity
    (9211, 9222, 9223, 9311, 9399, 9402, 9405, 8398, 8661)
    0
    Others 0.575%

    Table-2:IRFs for Debit/Prepaid Card POS/E-commerce/MOTO/Recurring/QRC-based transactions


    MCCs IRFs
    (Acquirer Pays Issuer)
    Petroleum (5541, 5542) 0.21%
    Max: MYR0.58
    Government Services and Charity
    (9211, 9222, 9223, 9311, 9399, 9402, 9405, 8398, 8661)
    0
    Others 0.21% or 0.01%+MYR0.70
    (whichever is lower)
    2.Service Fees

    Table-3: Service Fees for Credit/ Debit/ Prepaid Card transactions


    Issuer pays UPI
    Issuer Clearing Fee 0
    Issuer Authorization Fee 0
    Issuer Card Service Fee 0.044%
    Issuer License Fee 0
    Acquirer pays UPI
    Acquirer Clearing Fee USD0.006
    Acquirer Authorization Fee USD0.004
    Acquirer Merchant Service Fee 0.036%
    Acquirer License Fee 0

    Switzerland

    Since there’s no domestic pricing in Switzerland, the IRF paid by the Swiss Acquirers shall follow the international pricing scheme shown below.


    IRF for POS, Mo/To and Recurring Transactions


    Transaction Types Acquirer Pays Issuer
    POS Transactions 1.1%
    Mo/To Transactions 1.5%
    Recurring Transactions 1.1%

    IRF for E-Commerce transactions


    MCC Acquirer Pays Issuer
    Airport (4511) Education (8211,8220,8241,8244,8249,8299)
    Insurance (5960,6300)
    1.15%
    Other
    MCCs
    1.2%

    IRF for ATM TransaCanadactions


    Transaction Acquirer Receives from Issuer
    ATM Withdrawal USD 1.375
    ATM Inquiry USD 0.25
    Canada

    Interchange Reimbursement Fee (IRF) and Service Fee (SF) paid by the Canadian Acquirers shall follow the pricing scheme by each transaction type shown below.


    POS, Recurring & MO/TO Transactions


    Transaction Types IRF-Acquirer Pays Issuer SF-Acquirer Pays UPI
    POS Transactions 1.1% 0.1%
    Recurring Transactions 1.1% 0.1%
    MO/TO Transactions 1.5% 0.1%

    Note: POS includes both contact and contactless transactions.


    E-Commerce transactions


    MCC IRF-Acquirer Pays Issuer SF-Acquirer Pays UPI
    Airport (4511) Education (8211,8220,8241,8244,8249,8299) Insurance (5960,6300) 1.15% 0
    Other MCCs 1.2% 0.2%

    QRC-based transactions


    MCC Per Transaction Amount IRF-Acquirer Pays Issuer SF-Acquirer Pays UPI
    Daily-consumed MCCs ≤USD 140 0.55% 0.05%
    >USD 140 Subject to UPI Pricing Scheme for POS transaction
    Other MCCs All

    Note: The concessionary pricing will be effective until February 28th, 2020 and UPI will announce

    the operation bulletin of the following pricing scheme thereafter.

    The concessionary pricing only applies to consumer card.

    Please refer to the appendix for daily-consumed MCCs list.[daily consumed MCC]