Visa updates August 2016

Visa will soon introduce changes to Interchange fees for the U.K. and Ireland, and new behavioral fees for excessive authorization retry attempts in Europe.

Interchange updates for the U.K and Ireland

As of September 1, 2016, there are new domestic Visa Multilateral Interchange Fees (MIF) applicable to debit cards for the UK and Ireland.

Visa UK Consumer Debit minimum fee and cap removed
Effective on September 1, 2016, the MIF for UK domestic consumer debit are set at 0.20% for all transactions. The changes are summarized in the table below.

UK Domestic Visa Consumer Debit Interchange Fees

Fee Category Rate until Aug 31 2016 Rate from Sep 1 2016
UK Consumer Debit Secure 0.20% + £0.01 (capped at £0.50) 0.20%
UK Consumer Debit Non Secure 0.20% + £0.11 (capped at £1.00) 0.20%

Visa IE Business debit minimum fee and cap introduced

Visa will introduce changes to the Republic of Ireland domestic Visa Business Debit Multilateral Interchange Fees (MIFs) with effect from September 1, 2016.  

The changes are summarized in the table below.

Ireland Domestic Visa Business Debit Interchange Fees

Fee Category Rate until Aug 31 2015 Rate from Sep 1 2016
IE Business Debit Secure 0.20% 0.20% + €0.01 (capped at €1.00)
IE Business Debit Non-Secure 0.20% 0.20% + €0.15 (capped at €2.00)

Visa Europe – New behavioral fees

Visa Europe is introducing new behavioral fees for excessive authorization retry attempts after receiving R1 (Revocation of Authorization Order) or R3 (Revocation of All Authorizations Order) decline codes from October 2016.

R1 and R3 response codes are part of the Visa Europe Stop Service, which is used to block transactions where the cardholder has withdrawn consent for the payment. The new fees are introduced to limit costs for Issuers and prevent transactions being processed without cardholder consent.

Applicable from October 1, 2016, merchants are liable to a EUR 1.00 decline fee for the fourth and each subsequent authorization request following either an R1 or R3 decline code. Adyen will pass the fees on to you starting on October 1, 2016. Note that this new fee is only applicable to merchant-initiated authorization attempts as R1/R3 decline codes are also possible for cardholder present ecommerce transactions.

If you have a recurring model, please review your retry strategy to take into account the new fees to ensure that you don’t perform excessive retries on decline codes R1 and R3. Adyen will not actively reject non-compliant requests; it is your responsibility to ensure that you comply with this new rule.

Find out more

If you have further questions, please contact your Account Manager or Adyen Support (support[at]

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