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CM.com fees per payment method: the prices CM.com publishes

Every price CM.com 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 CM.com 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

CM.com fees by country and channel

CM.com stands in the index with 22 payment methods for merchants established in Europe, and publishes a price for 22 of them.

Each rate is shown as CM.com 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.

Payment methodPublished priceChannel
American Express Merchants in Belgium2.25% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
American Express Merchants in Belgium2.10% payment method fee + €0.06 processing feeProcessing fee + PercentageRead at source on 12 October 2026In-store
American Express Merchants in GermanyTransaction fee 2.25%; processing fee €0.14Processing fee + PercentageRead at source on 2 October 2026Online
American Express Merchants in FranceNo price publishedRead at source on 2 October 2026Online
American Express Merchants in the Netherlands2.25% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
American Express Merchants in the Netherlands2.10% payment method fee + €0.06 processing feeProcessing fee + PercentageRead at source on 12 October 2026In-store
Apple Pay Merchants in BelgiumThe rate of the card used applies (Mastercard (low risk) 1.85%, VISA (low risk) 1.85%, American Express (Euro) 2.25%, Maestro 1.65%, V PAY 1.65%); processing fee €0.14; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Apple Pay Merchants in BelgiumThe rate of the card used applies (prices for consumer cards): Maestro/Mastercard debit and V Pay/VISA debit: Netherlands €0.065; European Economic Area 0.80% + €0.06; outside the European Economic Area 1.60% + €0.12; Mastercard and VISA 1.60% + €0.12; American Express 2.10% + €0.06Processing fee + Percentage plus fixed amountRead at source on 8 October 2026In-store
Apple Pay Merchants in GermanyTransaction fee 1.85%; processing fee €0.14Processing fee + PercentageRead at source on 5 October 2026Online
Apple Pay Merchants in SpainNo price publishedRead at source on 2 October 2026In-store
Apple Pay Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Apple Pay Merchants in the NetherlandsThe rate of the card used applies (Mastercard (low risk) 1.85%, VISA (low risk) 1.85%, American Express (Euro) 2.25%, Maestro 1.65%, V PAY 1.65%); processing fee €0.14; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Apple Pay Merchants in the NetherlandsThe rate of the card used applies (prices for consumer cards): Maestro/Mastercard debit and V Pay/VISA debit: Netherlands €0.065; European Economic Area 0.80% + €0.06; outside the European Economic Area 1.60% + €0.12; Mastercard and VISA 1.60% + €0.12; American Express 2.10% + €0.06Processing fee + Percentage plus fixed amountRead at source on 8 October 2026In-store
Bancontact Merchants in BelgiumBancontact: €0.25 payment method fee + €0.14 processing fee; Bancontact Mobile: €0.25 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 12 October 2026Online
Bancontact Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Bancontact Merchants in the NetherlandsBancontact: €0.25 payment method fee + €0.14 processing fee; Bancontact Mobile: €0.25 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 12 October 2026Online
Cartes Bancaires Merchants in Belgium1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Cartes Bancaires Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Cartes Bancaires Merchants in the Netherlands1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in BelgiumThe rate of the card used applies (Mastercard (low risk) 1.85%, VISA (low risk) 1.85%, American Express (Euro) 2.25%, Maestro 1.65%, V PAY 1.65%); processing fee €0.14; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in BelgiumThe rate of the card used applies (prices for consumer cards): Maestro/Mastercard debit and V Pay/VISA debit: Netherlands €0.065; European Economic Area 0.80% + €0.06; outside the European Economic Area 1.60% + €0.12; Mastercard and VISA 1.60% + €0.12; American Express 2.10% + €0.06Processing fee + Percentage plus fixed amountRead at source on 8 October 2026In-store
Google Pay Merchants in SpainNo price publishedRead at source on 2 October 2026In-store
Google Pay Merchants in the NetherlandsThe rate of the card used applies (Mastercard (low risk) 1.85%, VISA (low risk) 1.85%, American Express (Euro) 2.25%, Maestro 1.65%, V PAY 1.65%); processing fee €0.14; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in the NetherlandsThe rate of the card used applies (prices for consumer cards): Maestro/Mastercard debit and V Pay/VISA debit: Netherlands €0.065; European Economic Area 0.80% + €0.06; outside the European Economic Area 1.60% + €0.12; Mastercard and VISA 1.60% + €0.12; American Express 2.10% + €0.06Processing fee + Percentage plus fixed amountRead at source on 8 October 2026In-store
iDEAL Merchants in BelgiumiDEAL | Wero (Netherlands): €0.15 payment method fee + €0.14 processing fee; iDEAL QR: €0.15 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 12 October 2026Online
iDEAL Merchants in FranceNo price publishedRead at source on 2 October 2026Online
iDEAL Merchants in the NetherlandsiDEAL | Wero (Netherlands): €0.15 payment method fee + €0.14 processing fee; iDEAL QR: €0.15 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 12 October 2026Online
in3 Merchants in BelgiumMethod owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 5 October 2026Online
in3 Merchants in the NetherlandsMethod owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 5 October 2026Online
Klarna Pay Later Merchants in BelgiumKlarna Pay Later: method owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
Klarna Pay Later Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Klarna Pay Later Merchants in the NetherlandsKlarna Pay Later: method owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
Klarna Pay Now Merchants in BelgiumKlarna Pay Now: method owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
Klarna Pay Now Merchants in GermanyNo price publishedRead at source on 12 October 2026Online
Klarna Pay Now Merchants in the NetherlandsKlarna Pay Now: method owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
Klarna Pay Over Time Merchants in BelgiumKlarna Pay In 3: method owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
Klarna Pay Over Time Merchants in the NetherlandsKlarna Pay In 3: method owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 9 October 2026Online
Maestro Merchants in Belgium1.65% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Maestro Merchants in BelgiumMaestro / Mastercard debit, prices for consumer cards: Netherlands: €0.065 processing fee; European Economic Area: 0.80% + €0.06 processing fee; outside the European Economic Area: 1.60% + €0.12 processing feeProcessing fee + Percentage plus fixed amountRead at source on 7 October 2026In-store
Maestro Merchants in GermanyTransaction fee 1.65%; processing fee €0.14Processing fee + PercentageRead at source on 2 October 2026Online
Maestro Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Maestro Merchants in the Netherlands1.65% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Maestro Merchants in the NetherlandsNetherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing feeProcessing fee + PercentageRead at source on 12 October 2026In-store
Mastercard Merchants in Belgium1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Mastercard Merchants in BelgiumTerminal: 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Credit blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
Mastercard Merchants in GermanyTransaction fee 1.85%; processing fee €0.14Processing fee + PercentageRead at source on 2 October 2026Online
Mastercard Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Mastercard Merchants in the Netherlands1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Mastercard Merchants in the NetherlandsTerminal: 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Credit blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
Mastercard Debit Merchants in BelgiumTerminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
Mastercard Debit Merchants in the NetherlandsTerminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
PayPal Merchants in BelgiumMethod owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 5 October 2026Online
PayPal Merchants in GermanyTransaction fee per your PayPal agreement; processing fee €0.14Processing fee + Plus the method owner’s feeRead at source on 2 October 2026Online
PayPal Merchants in FranceNo price publishedRead at source on 2 October 2026Online
PayPal Merchants in the NetherlandsMethod owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 5 October 2026Online
paysafecard Merchants in Belgium15% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
paysafecard Merchants in FranceNo price publishedRead at source on 2 October 2026Online
paysafecard Merchants in the Netherlands15% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Riverty Merchants in BelgiumMethod owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 5 October 2026Online
Riverty Merchants in GermanyRiverty (printed as AFTERPAY, its former name): transaction fee per the merchant's own contract (gemäß Kundenvertrag); processing fee €0.14Processing fee + Plus the method owner’s feeRead at source on 12 October 2026Online
Riverty Merchants in the NetherlandsMethod owner's own fees under your own agreement + €0.14; minimum invoice €50 per monthPlus the method owner’s fee, plus subscriptionRead at source on 5 October 2026Online
SEPA Direct Debit Merchants in Belgium€0.20 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 12 October 2026Online
SEPA Direct Debit Merchants in GermanyTransaction fee €0.20; processing fee €0.14Processing fee + Fixed amountRead at source on 2 October 2026Online
SEPA Direct Debit Merchants in the Netherlands€0.20 + €0.14; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 6 October 2026Online
V PAY Merchants in BelgiumNetherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing feeProcessing fee + PercentageRead at source on 12 October 2026In-store
V PAY Merchants in the NetherlandsNetherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing feeProcessing fee + PercentageRead at source on 12 October 2026In-store
Visa Merchants in Belgium1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Visa Merchants in BelgiumTerminal: 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Credit blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
Visa Merchants in GermanyTransaction fee 1.85%; processing fee €0.14Processing fee + PercentageRead at source on 2 October 2026Online
Visa Merchants in FranceNo price publishedRead at source on 2 October 2026Online
Visa Merchants in the Netherlands1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscriptionRead at source on 12 October 2026Online
Visa Merchants in the NetherlandsTerminal: 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Credit blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
Visa Debit Merchants in BelgiumTerminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
Visa Debit Merchants in the NetherlandsTerminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscriptionRead at source on 12 October 2026In-store
WeChat Pay Merchants in GermanyTransaction fee 3%; processing fee €0.14Processing fee + PercentageRead at source on 2 October 2026Online
Wero Merchants in BelgiumiDEAL | Wero (Netherlands): €0.15 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 6 October 2026Online
Wero Merchants in the NetherlandsiDEAL | Wero (Netherlands): €0.15 payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Fixed amount, plus subscriptionRead at source on 6 October 2026Online
Compare CM.com with other providers in the indexChoose your own country, channel and payment method

All providers in the index

Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 2 October 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 CM.com fees

What does CM.com charge for Bancontact?

CM.com publishes Bancontact: €0.25 payment method fee + €0.14 processing fee; Bancontact Mobile: €0.25 payment method fee + €0.14 processing fee; minimum invoice €50 per month for Bancontact (Belgium, online), read at source on 12 October 2026. That is the published rate; what a merchant pays is set in the quoted rate.

What does CM.com charge for card payments?

CM.com publishes for card payments (Belgium, online): Visa, Mastercard: 1.85% payment method fee + €0.14 processing fee; minimum invoice €50 per month. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does CM.com publish no price?

CM.com publishes a price for every payment method it offers in the index (Belgium, online).

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 CM.com 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.