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IdoPay fees per payment method: the prices IdoPay publishes

Every price IdoPay 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 IdoPay 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

IdoPay fees by country and channel

IdoPay stands in the index with 6 payment methods for merchants established in Europe, and publishes a price for 4 of them.

Each rate is shown as IdoPay 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
Apple Pay Merchants anywhere in the EUNo price publishedRead at source on 2 October 2026Online
Apple Pay Merchants in PolandNo price publishedRead at source on 17 September 2026Online
BLIK Merchants anywhere in the EUStart: 1.55%; Business: 1.49%; Expert/Expert+: 1.49%; Enterprise: 1.19%; Individual: negotiable; BLIK complaint fee: PLN 50.00Percentage, tieredRead at source on 6 October 2026Online
BLIK Merchants in PolandStart: 1.55%; Business: 1.49%; Expert/Expert+: 1.49%; Enterprise: 1.19%; Individual: negotiable; BLIK complaint fee: PLN 50.00Percentage, tieredRead at source on 28 September 2026Online
Google Pay Merchants anywhere in the EUNo price publishedRead at source on 2 October 2026Online
Google Pay Merchants in PolandNo price publishedRead at source on 17 September 2026Online
Mastercard Merchants anywhere in the EUIF++ model, Start: 1.09% + interchange + scheme fee; IF++ model, Business: 0.99% + interchange + scheme fee; IF++ model, Expert/Expert+: 0.99% + interchange + scheme fee; IF++ model, Enterprise: 0.69% + interchange + scheme fee; IF++ model, Individual: negotiable; blended model, Start: 1.55%; blended model, Business: 1.49%; blended model, Expert/Expert+: 1.49%; blended model, Enterprise: 1.19%; blended model, Individual: negotiable; multi-currency service (card transactions): 0.90% of the transaction value for AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD, ZAR, RON, HUF; 1.80% of the transaction value for other currencies; chargeback (card payments): PLN 120.00Percentage plus fixed amount, tieredRead at source on 6 October 2026Online
Mastercard Merchants in PolandIF++ model, Start: 1.09% + interchange + scheme fee; IF++ model, Business: 0.99% + interchange + scheme fee; IF++ model, Expert/Expert+: 0.99% + interchange + scheme fee; IF++ model, Enterprise: 0.69% + interchange + scheme fee; IF++ model, Individual: negotiable; blended model, Start: 1.55%; blended model, Business: 1.49%; blended model, Expert/Expert+: 1.49%; blended model, Enterprise: 1.19%; blended model, Individual: negotiable; multi-currency service (card transactions): 0.90% of the transaction value for AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD, ZAR, RON, HUF; 1.80% of the transaction value for other currencies; chargeback (card payments): PLN 120.00Percentage plus fixed amount, tieredRead at source on 5 October 2026Online
PayPo Merchants anywhere in the EUStart: 1.55%; Business: 1.49%; Expert/Expert+: 1.49%; Enterprise: 1.19%; Individual: negotiablePercentage, tieredRead at source on 6 October 2026Online
PayPo Merchants in PolandStart: 1.55%; Business: 1.49%; Expert/Expert+: 1.49%; Enterprise: 1.19%; Individual: negotiablePercentage, tieredRead at source on 5 October 2026Online
Visa Merchants anywhere in the EUIF++ model, Start: 1.09% + interchange + scheme fee; IF++ model, Business: 0.99% + interchange + scheme fee; IF++ model, Expert/Expert+: 0.99% + interchange + scheme fee; IF++ model, Enterprise: 0.69% + interchange + scheme fee; IF++ model, Individual: negotiable; blended model, Start: 1.55%; blended model, Business: 1.49%; blended model, Expert/Expert+: 1.49%; blended model, Enterprise: 1.19%; blended model, Individual: negotiable; multi-currency service (card transactions): 0.90% of the transaction value for AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD, ZAR, RON, HUF; 1.80% of the transaction value for other currencies; chargeback (card payments): PLN 120.00Percentage plus fixed amount, tieredRead at source on 6 October 2026Online
Visa Merchants in PolandIF++ model, Start: 1.09% + interchange + scheme fee; IF++ model, Business: 0.99% + interchange + scheme fee; IF++ model, Expert/Expert+: 0.99% + interchange + scheme fee; IF++ model, Enterprise: 0.69% + interchange + scheme fee; IF++ model, Individual: negotiable; blended model, Start: 1.55%; blended model, Business: 1.49%; blended model, Expert/Expert+: 1.49%; blended model, Enterprise: 1.19%; blended model, Individual: negotiable; multi-currency service (card transactions): 0.90% of the transaction value for AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD, ZAR, RON, HUF; 1.80% of the transaction value for other currencies; chargeback (card payments): PLN 120.00Percentage plus fixed amount, tieredRead at source on 5 October 2026Online
Compare IdoPay 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 17 September 2026 and 6 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 IdoPay fees

What does IdoPay charge for card payments?

IdoPay publishes for card payments (Austria, online): Visa, Mastercard: IF++ model, Start: 1.09% + interchange + scheme fee; IF++ model, Business: 0.99% + interchange + scheme fee; IF++ model, Expert/Expert+: 0.99% + interchange + scheme fee; IF++ model, Enterprise: 0.69% + interchange + scheme fee; IF++ model, Individual: negotiable; blended model, Start: 1.55%; blended model, Business: 1.49%; blended model, Expert/Expert+: 1.49%; blended model, Enterprise: 1.19%; blended model, Individual: negotiable; multi-currency service (card transactions): 0.90% of the transaction value for AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD, ZAR, RON, HUF; 1.80% of the transaction value for other currencies; chargeback (card payments): PLN 120.00. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does IdoPay publish no price?

IdoPay offers these payment methods without a published price (Austria, online): Apple Pay, Google Pay.

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 IdoPay 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.