Durbin Amendment, the swipe fee for a debit card transaction averaged 44 cents. Under Durbin, the Federal Reserve has set a cap of .05% + 21 cents per transaction (22 cents if the card has security features). See also Merchant services Payment terminal Payment gateway Interchange fee Credit card fraud Chargeback insurance Payment card industry (PCI) Cardholder Information Security Program (CISP) Terminated merchant file References MasterCard Interchange Rates (PDF) 15 April 2016. Retrieved 3 March 2017. MasterCard Merchant Rules PDF guidelines for all businesses that accept MasterCard credit cards. Visa USA - Accepting Visa Guide and information for accepting Visa and other credit cards. PCI SCC Reference Document PCI SSC Quick Guide. Payment systems Merchant services Credit