Minimum/Maximum Transaction Amounts

What It Means To You

A merchant located in the U.S. region or a territory or possession of the United States in another region may set a minimum transaction amount to accept a MasterCard® card that accesses a credit account, as long as the minimum transaction amount does not exceed USD 10 (or any higher amount established by the Federal Reserve Board by regulation) and does not differentiate between issuers, or between MasterCard and other acceptance brands.

The following types of merchants may set a maximum transaction amount to accept a MasterCard card that accesses credit, as long as the maximum transaction amount does not differentiate between issuers, or between MasterCard and other acceptance brands:

  • a department, agency or instrumentality of the U.S. Government;
  • a corporation owned or controlled by the U.S. Government; or
  • a merchant whose primary business is reflected by one of the following card acceptor business codes (MCCs):
    • MCC 8220—Colleges, Universities, Professional Schools, and Junior Colleges;
    • MCC 8244—Schools, Business and Secretarial; or
    • MCC 8249—Schools, Trade and Vocational.

Click here to download the MasterCard Fact Sheet, Setting a Minimum or Maximum Transaction Amount — Frequently Asked Questions.

As a reminder, certain education and government merchants located in the U.S. region may participate in the MasterCard Convenience Fee Program, which enables qualified merchants to assess MasterCard cardholders a convenience fee when cardholders pay with a MasterCard card. To learn more about the MasterCard Convenience Fee Program merchants should contact their acquirer or click here.

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