ING fees per payment method: the prices ING publishes
Every price ING 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 ING 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
ING fees by country and channel
ING stands in the index with 11 payment methods for merchants established in Europe, and publishes a price for 9 of them.
Each rate is shown as ING 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 Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tieredRead at source on 12 October 2026 | Online |
| BLIK Merchants in Poland | BLIK: 1.59% (includes BLIK system fee 0.19%); with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.59% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.59% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tieredRead at source on 12 October 2026 | Online |
| BLIK Merchants in Poland | No price publishedRead at source on 20 September 2026 | In-store |
| Google Pay Merchants in Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tieredRead at source on 12 October 2026 | Online |
| Google Pay Merchants in Romania | No price publishedRead at source on 28 September 2026 | Online |
| Maestro Merchants in Poland | Merchant fee: 1.40% of the transaction amount (includes interchange fee and scheme fees; Visa, Mastercard, Maestro cards); if foreign-card payments exceed 15% of the value of all transactions in a calendar month, the bank may raise the fee from the following month to interchange + scheme fee + 0.50% bank marginPercentage plus fixed amountRead at source on 7 October 2026 | Online |
| Maestro Merchants in Poland | No price publishedRead at source on 7 October 2026 | In-store |
| Maestro Merchants in Romania | No price publishedRead at source on 28 September 2026 | In-store |
| Mastercard Merchants in Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tieredRead at source on 12 October 2026 | Online |
| Mastercard Merchants in Romania | No price publishedRead at source on 28 September 2026 | Online |
| Mastercard Merchants in Romania | No price publishedRead at source on 7 October 2026 | In-store |
| Mastercard Debit Merchants in Poland | Merchant fee (Visa, Mastercard, Maestro cards): 1.40% of the transaction amount, includes interchange fee and scheme fees; covers consumer debit and credit cards issued in Poland, business cards issued in Poland, consumer cards issued in the EEA, consumer cards issued outside the EEA and business cards issued outside Poland; if foreign-card payments exceed 15% of the value of all card transactions in a calendar month, the bank may raise the fee on foreign cards from the following month to interchange + scheme fee + 0.50% bank marginPercentage plus fixed amountRead at source on 7 October 2026 | Online |
| PayPo Merchants in Poland | No price publishedRead at source on 22 September 2026 | Online |
| V PAY Merchants in Romania | No price publishedRead at source on 28 September 2026 | In-store |
| Visa Merchants in Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tieredRead at source on 12 October 2026 | Online |
| Visa Merchants in Romania | No price publishedRead at source on 28 September 2026 | Online |
| Visa Merchants in Romania | No price publishedRead at source on 7 October 2026 | In-store |
| Visa Debit Merchants in Poland | Merchant fee (Visa, Mastercard, Maestro cards): 1.40% of the transaction amount, includes interchange fee and scheme fees; covers consumer debit and credit cards issued in Poland, business cards issued in Poland, consumer cards issued in the EEA, consumer cards issued outside the EEA and business cards issued outside Poland; if foreign-card payments exceed 15% of the value of all card transactions in a calendar month, the bank may raise the fee on foreign cards from the following month to interchange + scheme fee + 0.50% bank marginPercentage plus fixed amountRead at source on 7 October 2026 | Online |
| Visa Mobile Merchants in Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tieredRead at source on 12 October 2026 | Online |
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 ING fees
What does ING charge for BLIK?
ING publishes BLIK: 1.59% (includes BLIK system fee 0.19%); with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.59% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.59% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00 for BLIK (Poland, 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 ING charge for card payments?
ING publishes for card payments (Poland, online): Visa, Mastercard: Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00. That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does ING publish no price?
ING offers these payment methods without a published price (Poland, online): PayPo.
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 ING 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.
