ePay.bg fees per payment method: the prices ePay.bg publishes
Every price ePay.bg 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 ePay.bg 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
ePay.bg fees by country and channel
ePay.bg stands in the index with 6 payment methods for merchants established in Europe, and publishes a price for 6 of them.
Each rate is shown as ePay.bg 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 |
|---|---|---|
| bcard Merchants in Bulgaria | Bcard debit, credit or prepaid card issued by a bank in Bulgaria (3D terminal, ePay World): 1% (minimum €0.10); Bcard interchange: credit card 0.30%, debit and prepaid card 0.20%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year: €7.16 per month for the months remaining in the calendar year)Percentage, with minimum, plus subscriptionRead at source on 12 October 2026 | Online |
| Maestro Merchants in Bulgaria | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, with minimum, plus subscriptionRead at source on 12 October 2026 | Online |
| Mastercard Merchants in Bulgaria | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, with minimum, plus subscriptionRead at source on 12 October 2026 | Online |
| Mastercard Debit Merchants in Bulgaria | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, with minimum, plus subscriptionRead at source on 12 October 2026 | Online |
| Visa Merchants in Bulgaria | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, with minimum, plus subscriptionRead at source on 12 October 2026 | Online |
| Visa Debit Merchants in Bulgaria | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, with minimum, plus subscriptionRead at source on 12 October 2026 | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 12 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 ePay.bg fees
What does ePay.bg charge for card payments?
ePay.bg publishes for card payments (Bulgaria, online): Visa, Mastercard: Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month). That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does ePay.bg publish no price?
ePay.bg publishes a price for every payment method it offers in the index (Bulgaria, 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 ePay.bg 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.
