Caixa Pay fees per payment method: the prices Caixa Pay publishes
Every price Caixa Pay publishes for merchants established in Europe, in one table: per payment method, country of establishment and channel, with the date each price was read. Choose your country and channel, and the table also shows the methods Caixa Pay offers without a published price. A published rate is a list rate: what you actually pay is set in your quoted rate and your contract.
Retail Payment Methods Transparency Index
Caixa Pay fees by country and channel
Caixa Pay stands in the index with 13 payment methods for merchants established in Europe, and publishes a price for 11 of them.
Each rate is shown as Caixa Pay prints it; the method name links to the page about that method and the date links to the page the rate was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell.
| Payment method | Published price | Channel |
|---|---|---|
| Apple Pay Merchants in Portugal | No price publishedRead at source on 28 September 2026 | Online |
| Apple Pay Merchants in Portugal | No price publishedRead at source on 28 September 2026 | In-store |
| Diners Club Merchants in Portugal | Discover/Diners: 2.90% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 28 September 2026 | Online |
| Diners Club Merchants in Portugal | Discover / Diners: merchant service charge 2.90%PercentageRead at source on 28 September 2026 | In-store |
| Discover Merchants in Portugal | Discover/Diners: 2.90% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 28 September 2026 | Online |
| Discover Merchants in Portugal | Discover / Diners: merchant service charge 2.90%PercentageRead at source on 28 September 2026 | In-store |
| Google Pay Merchants in Portugal | No price publishedRead at source on 28 September 2026 | Online |
| Google Pay Merchants in Portugal | No price publishedRead at source on 28 September 2026 | In-store |
| Maestro Merchants in Portugal | No price publishedRead at source on 28 September 2026 | Online |
| Maestro Merchants in Portugal | Mastercard, Maestro debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus fixed amount, tieredRead at source on 7 October 2026 | In-store |
| Mastercard Merchants in Portugal | Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VAT; Mastercard programme fee (TPA and Digital Payment Gateway): €0.0070 + €0.0005 applied to the transaction amount, + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 7 October 2026 | Online |
| Mastercard Merchants in Portugal | Mastercard, Maestro debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%; Mastercard, Maestro credit cards: domestic, EEA, non-EEA and Premium, consumers: under €20 1.30% + €0.03, €20 and over 1.30%; domestic, EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%; Mastercard programme fee (TPA and Digital Payment Gateway): €0.0070 + €0.0005 applied to the transaction amount, + 23% VATPercentage plus fixed amount, tieredRead at source on 7 October 2026 | In-store |
| Mastercard Debit Merchants in Portugal | Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VAT; Mastercard programme fee (TPA and Digital Payment Gateway): €0.0070 + €0.0005 applied to the transaction amount, + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 7 October 2026 | Online |
| MB WAY Merchants in Portugal | MB WAY: 0.60% + €0.15; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 28 September 2026 | Online |
| MB WAY Merchants in Portugal | No price publishedRead at source on 20 September 2026 | In-store |
| Multibanco Merchants in Portugal | Fee per Multibanco reference generated: €0.07 + 23% VAT; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATFixed amount, plus subscriptionRead at source on 12 October 2026 | Online |
| UnionPay Merchants in Portugal | UnionPay: 2.90% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 28 September 2026 | Online |
| UnionPay Merchants in Portugal | UnionPay: merchant service charge 2.90%PercentageRead at source on 28 September 2026 | In-store |
| V PAY Merchants in Portugal | Visa, Visa Electron, V Pay debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus fixed amount, tieredRead at source on 7 October 2026 | In-store |
| Visa Merchants in Portugal | Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 28 September 2026 | Online |
| Visa Merchants in Portugal | Visa, Visa Electron, V Pay debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%; Visa credit cards: domestic, EEA, non-EEA and Premium, consumers: under €20 1.30% + €0.03, €20 and over 1.30%; domestic, EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus fixed amount, tieredRead at source on 7 October 2026 | In-store |
| Visa Debit Merchants in Portugal | Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscriptionRead at source on 28 September 2026 | Online |
| Visa Debit Merchants in Portugal | Visa, Visa Electron, V Pay debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus fixed amount, tieredRead at source on 7 October 2026 | In-store |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 20 September 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Retail Payment Methods Transparency Index
Questions about Caixa Pay fees
What does Caixa Pay charge for MB WAY?
Caixa Pay publishes MB WAY: 0.60% + €0.15; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VAT for MB WAY (Portugal, online), read at source on 28 September 2026. That is the published rate; what a merchant pays is set in the quoted rate.
What does Caixa Pay charge for card payments?
Caixa Pay publishes for card payments (Portugal, online): Visa: Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VAT; Mastercard: Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VAT; Mastercard programme fee (TPA and Digital Payment Gateway): €0.0070 + €0.0005 applied to the transaction amount, + 23% VAT. That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does Caixa Pay publish no price?
Caixa Pay offers these payment methods without a published price (Portugal, online): Apple Pay, Google Pay, Maestro.
Your rate
A published rate is the starting point, not the outcome
For a merchant with volume the published list is where the negotiation starts. The quoted rate decides what reaches your statement: the percentage and the fixed fee per transaction, the surcharges for international cards and currency conversion, how the rate is built for each payment method, and the terms on payouts, chargebacks and refunds. Two merchants with the same payment mix can be on the same list and pay different amounts.
EcomStream reviews a contract with Caixa Pay on merchant mandate against what the market quotes for comparable volume and payment mix, and renegotiates it, without a change of provider, on a no cure no pay basis. Start with cutting your PSP costs, or run the payment set-up check on your own figures first.
