(Reuters) - (This February 4 story has been refiled to remove incorrect reference to interchange fees, interest payments.)

Visa Inc <V.N> is planning the biggest changes in a decade to the rates U.S. merchants pay to accept its cards, Bloomberg reported https://bloom.bg/2vGWtA7 on Tuesday, citing a document Visa sent to banks.

Interchange rates of the world's largest payment processor will go up or down depending on the merchant and the way consumers pay for their purchases, the report said.

Higher rates are looming for transactions on e-commerce sites, while retailers in certain services categories such as real estate and education will see fees decline, the report added.

"Based on the most recent review in the U.S., Visa is adjusting its default U.S. interchange rate structure to optimize acceptance and usage and reflect the current value of Visa products," Visa said in the document.

Visa did not immediately respond to a Reuters request for comment.

Interchange fees are what merchants pay to banks when consumers use a credit or a debit card to make a purchase from their store.

Visa's shares were up 1.2% in premarket trading.

(Reporting by C Nivedita in Bengaluru; Editing by Maju Samuel)