It’s been a topsy-turvy year for most things. The rules and fee changes by the major card brands implemented every April and October are no exception. Many changes were planned for last April but the pandemic forced most of them to be put on-hold or pushed out to a July launch. This makes it difficult to keep track of what’s postponed, already implemented, or about to be implemented now that we’re entering the October cycle.

One of our jobs at Wind River is to sort through all of the information to get at what’s changing and when it’s changing – then pass that information along to you.

Here’s what we have confirmed for October:

  1. Mastercard TIC has been delayed indefinitely. The next set of changes from the card brands occur in spring of next year, and we do not anticipate any date announcements about Mastercard TIC before then. We’ll stay on top of it for you, though.
  2. Visa and Discover are implementing a number of new and revised fee structures effective October 2020. There are hundreds of fee structures and not all are applicable to all card types or to all merchants, so detailed below are the few that will affect most merchants’ day to day transaction processing costs.

Visa Interchange Fee Program Additions and Revisions  Visa will be introducing a new global interchange fee program to support business-to-business virtual payments.

New Fee Program New Rate
VS B2B Program 1 0.80% + $0.00
VS B2B Program 2 1.00% + $0.00
VS B2B Program 3 1.20% + $0.00
VS B2B Program 4 1.40% + $0.00
VS B2B Program 5 1.60% + $0.00
VS B2B Program 6 1.80% + $0.00


Discover Card Fee Program Additions and Revisions – Discover will be introducing new Debit Debt Repayment Interchange Programs as well as adding a Transaction Amount Validation check to their current E-Commerce, US Consumer Interchange Programs.

  • Discover new US PSL Debit Debt Repayment Interchange Programs

Merchant category codes (MCC) 6012 and 6051 are eligible in the US for the repayment of consumer loans including auto, student, mortgage, and credit card balances. The difference between Debit and Max Debit is that Debit is equal to or less than $320.00, and Max Debit is greater than $320.00 and applies to the Debit and Prepaid non-regulated.

New Fee Program New Rate
DS Debt Repayment Debit 1.80% + $0.00
DS Debt Repayment Maximum Debit 1.80% + $0.00
DS RegF Debt Repayment Debit 1.95% + $0.00
DS Reg Debt Repayment Debit 1.95% + $0.00
DS Debt Repayment Prepaid 1.97% + $0.00
DS Debt Repayment Maximum Prepaid 2.05% + $0.05
DS RegF Debt Repayment Prepaid 0.05% + $0.22
DS Reg Debt Repayment Prepaid 0.05% + $0.22


  • Discover changes to the E-Commerce, US Consumer Acquirer Interchange Programs

Discover is adding a Transaction Amount Validation check to the current E-Commerce, US Consumer Interchange Programs. The tolerance range must be +/- difference between the Card Sale amount on the Authorization Request and Sales Data records for the MCC’s listed below.

MCC Tolerance Level
4121 – Taxicabs/Limousines +/- 20%
7230 – Beauty/Barber Shops
3000 – 3350, 4111, 4112, 4131, 4411, Not Subject to Transaction Amount Validation
4511 – Passenger Transport
3351–3441, 7512, 7513, 7519 Car Rentals
3501–3999, 7011, 7012 Hotels
5541 – Service Stations
5542 – Automated Fuel Dispensers
5812 – Eating Places and Restaurants
5813 – Drinking Places (Alcoholic Beverages)
5814 – Fast Food Restaurants
5815 – 5818 – Digital Goods
MCCs other than those listed above +/- 10%

We’ve also placed the listing of these new fees in our Merchant Portal and Resource Library. Look for the title October 2020 Interchange Modifications.

Note for Wind River Customers

Wind River Financial believes in transparency of all association fees applicable to your merchant processing costs, so we will be passing through these new fees with no mark-ups or changes.