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Discover Card Rates
Average Ticket Retail Out-of-Home Restaurant
$0-$20 2.52% + $0.10 2.97% + $0.10 2.18% + $0.10
$21-$30 2.22% + $0.10 2.67% + $0.10 1.93% + $0.10
$31-$50 1.99% + $0.10 2.44% + $0.10 1.73% + $0.10
$51-$70 1.86% + $0.10 2.31% + $0.10 1.62% + $0.10
$71-$90 1.80% + $0.10 2.25% + $0.10 1.57% + $0.10
$91-$120 1.77% + $0.10 2.22% + $0.10 1.55% + $0.10
$121-$150 1.73% + $0.10 2.18% + $0.10 1.51% + $0.10
$151+ 1.69% + $0.10 2.14% + $0.10 1.49% + $0.10
Discover may charge a $25 one-time membership fee.
The rates listed above are established by Discover Business Services. These rates are the same no matter what processing bank a merchant chooses. No other company can offer you lower rates for Discover.

The following services are included:

  • No Extra Monthly Minimum
  • No Extra Monthly Statement Fee
  • 24 Hour, Toll Free Customer Service
  • Payment Reconciliation Report
  • Point of Sales Materials & Supplies

American Express Rates
Category Annual AMEX Charge Volume
AMEX Average Charge Size
< $150 $150
- $249
$250 +
Retail & Service $0 - $499,999 3.25% 3.10% 2.95%
Auto Dealers $0 - $249,999 3.50% 3.25% 2.95%
$250,000
- $499,999
3.40% 3.20% 2.90%
All Charge Sizes
Internet & Mail Order $0 - $4,999 $5.00/month
$5,000
- $499,999
3.50%
Restaurants $5,000
- $499,999
3.50%
Lodging $0 - $99,999 $3.50%
$100,000
- $299,999
3.25%
$300,000
- $499,000
3.00%
Healthcare $0 - $9,999 3.10%
$10,000
- $24,999
3.00%
$25,000
- $99,999
2.90%
$100,000
- $499,000
2.80%
Entertainment $0 - $499,999 3.25%
Gas Stations $0 - $499,999 3.98%
Supermarkets $0 - $19,999 3.25%
$20,000
- $499,999
2.30%
Charities $0 - $499,999 2.85%


©2003-2006 Spectrum Merchant Services. All rights reserved.
Spectrum Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA
and of BancorpSouth Bank, Tupelo, MS.
American Express and Discover require separate approval.