{"meta":{"slug":"app-take-per-100","title":"What the app keeps from $100 of spend","source":[{"name":"Federal Reserve","href":"https://www.federalreserve.gov/paymentsystems/regii-average-interchange-fee.htm"},{"name":"EU interchange rules","href":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015R0751"},{"name":"Sumcap estimates"}],"asOf":"2026-10-07","kind":"table","placement":"Sec 2, The app, replaces the $100 table after \"trust the shape of the table more than the individual cents\""},"columns":[{"key":"line","label":"Line"},{"key":"us","label":"US prepaid card, In person","kind":"usd"},{"key":"eu","label":"EU card, In person, in the EU","kind":"usd"},{"key":"offshore","label":"Offshore card, Online, at an EU shop","kind":"usd"},{"key":"sources","label":"Sources"}],"rows":[{"line":"Gross interchange","us":1.4,"eu":0.2,"offshore":1.15,"sources":"S16, S20, S17, S21"},{"line":"Scheme fees","us":-0.12,"eu":-0.08,"offshore":null,"sources":"estimate (S24)"},{"line":"Processor and sponsor","us":-0.4,"eu":-0.15,"offshore":-0.45,"sources":"estimate (S24, S129)"},{"line":"Net interchange","us":0.88,"eu":-0.03,"offshore":0.7,"sources":"sum"},{"line":"Cross-border network fee","us":null,"eu":null,"offshore":"-0.80 to -1.00","sources":"estimate (Synctera Mastercard pass-through fees)"},{"line":"FX spread","us":0,"eu":1,"offshore":1,"sources":"estimate (S22)"},{"line":"Net per $100","us":0.88,"eu":0.97,"offshore":"0.70 to 0.90","sources":"sum"}]}