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Business / Business support / Average Merchant Service Fee

Reporting Period; Quarter 3 2026

Merchant categories 
Merchant Service Fee (%)
All direct merchants
0.55%
Domestic (card present)
Debit & Prepaid
0.36%
Credit
0.72%
Domestic (card not present)
Debit & Prepaid
0.42%
Credit
0.78%
Foreign
Debit & Prepaid
2.12%
Credit
2.27%
Small merchants
0.86%
Domestic (card present)
Debit & Prepaid
0.73%
Credit
1.00%
Domestic (card not present)
Debit & Prepaid
0.73%
Credit
1.09%
Foreign
Debit & Prepaid
1.75%
Credit
2.00%
Medium sized merchants
0.70%
Domestic (card present)
Debit & Prepaid
0.51%
Credit
0.88%
Domestic (card not present)
Debit & Prepaid
0.57%
Credit
0.99%
Foreign
Debit & Prepaid
2.25%
Credit
2.28%

Description of services and metrics

Merchant Service Fee = The transaction-related fee charged to a merchant for accepting card payments, comprising interchange fees, scheme fees and the acquirer margin. It excludes non-transaction related charges such as terminal rental and chargeback fees.