I'm doing a study aimed to figure out if transactions with conversion are good or bad for me. Basic information I'd like to calculate for further analysis is spread and mid-price values. However, Visa's website only offers a calculator where I have to submit a form twice per data sample (one for bid, one for ask price), which isn't really convenient.

Is it possible to get this data in more bulk manner?

Same question for MasterCard. They offer similar calculator designed for consumers investigating their past transactions, which isn't helpful for my problem.

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    For what it's worth, I've worked with an exchange rate service, and the merchant had to sign a contract with them before getting access to their rates. I think this type of data is considered proprietary, in general.
    – Bobson
    Jul 4, 2016 at 1:21

1 Answer 1


I found a blog post that did a similar study to the one that you are suggesting:

MoneySavingExpert.com: Mastercard vs Visa for using abroad - which wins?

In it, there is a graph that compares Mastercard vs. Visa rates for an entire year spanning May 2014 - May 2015:

graph from MoneySavingExpert.com

However, if you look at the graph, you'll see that they only actually have 2 points per month. I suspect that the blogger got her data from the same Mastercard and Visa pages that you found. You'll also note that Mastercard consistently beat Visa during that year.

An older blog post did a similar comparison in 2013:

theinquiringinvestor.com: How does Visa Calculate its Currency Exchange Rate?

There's no pretty graph, but that blog post not only compared Visa vs. Mastercard, but also compared other exchange rate sources. In 2013, Visa was consistently better than Mastercard, and Mastercard was consistently worse than all other exchange rates. The post got a 2015 update, and the author acknowledged that Mastercard now featured rates that were consistently better than Visa.

The blogger also mentions that this data came from those Visa and Mastercard pages you found.

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