Example: Difference in card-present and card-not-present retail credit and debit transaction costs
As you can see above the costs associated with the card-present transactions are lower than the card-not-present transactions. Also, there is a difference in the rates by Visa and MasterCard for each transaction type. In reviewing the Visa and MasterCard tables, one will notice the interchange rates and fees change depending on certain industries and card types. When a merchant processes a card, these are base rates paid by a merchant for accepting credit and debit cards as a form of payment.