| Per $100 of spend | US prepaid cardIn person | EU cardIn person, in the EU | Offshore cardOnline, at an EU shop |
|---|---|---|---|
| Gross interchange | +$1.40 | +$0.20 | +$1.15 |
| Scheme fees | −$0.12 | −$0.08 | In the processor line |
| Processor and sponsor | −$0.40 | −$0.15 | −$0.45 |
| Net interchange | $0.88 | −$0.03 | $0.70 |
| Cross-border network fee | – | – | −$0.80 to −$1.00 |
| FX spread | $0.00 | +$1.00 | +$1.00 |
| Net per $100 | $0.88 | $0.97 | $0.70 to $0.90 |