| Per $100 of spend | US prepaid cardIn person | EU cardIn person, in the EU | Offshore cardOnline, at an EU shop |
|---|---|---|---|
| Interchange earned | +$1.40 | +$0.20 | +$1.15 |
| Scheme, processor and sponsor | −$0.52 | −$0.23 | −$0.45 |
| 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 |