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KBC fees per payment method: the prices KBC publishes

Every price KBC 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 KBC 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

KBC fees by country and channel

KBC stands in the index with 15 payment methods for merchants established in Europe, and publishes a price for 7 of them.

Each rate is shown as KBC 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 SlovakiaNo price publishedRead at source on 19 September 2026Online and in-store
Apple Pay Merchants in CzechiaNo price publishedRead at source on 12 October 2026Online
Apple Pay Merchants in CzechiaNo price publishedRead at source on 12 October 2026In-store
Apple Pay Merchants in HungaryNo price publishedRead at source on 2 October 2026Online
Apple Pay Merchants in SlovakiaNo price publishedRead at source on 19 September 2026Online
Bancontact Merchants in BelgiumBancontact PRO: €0.20 per online payment; annual operational fee: €18.00; start-up or installation fee: freeFixed amount, plus subscriptionRead at source on 5 October 2026Online
Bancontact Merchants in BelgiumBancontact PRO, payment in the shop: €0.06 per transaction; annual operational fee: €18.00; start-up or installation fee: freeFixed amount, plus subscriptionRead at source on 9 October 2026In-store
Diners Club Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026Online
Diners Club Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
Diners Club Merchants in SlovakiaNo price publishedRead at source on 19 September 2026Online and in-store
Discover Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026Online
Discover Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
Google Pay Merchants in CzechiaNo price publishedRead at source on 12 October 2026Online
Google Pay Merchants in CzechiaNo price publishedRead at source on 12 October 2026In-store
Google Pay Merchants in HungaryNo price publishedRead at source on 2 October 2026Online
Google Pay Merchants in SlovakiaNo price publishedRead at source on 19 September 2026Online
iDEAL Merchants in BelgiumNo price publishedRead at source on 20 September 2026Online
JCB Merchants in CzechiaJCB: 1.90% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026In-store
JCB Merchants in HungaryNo price publishedRead at source on 2 October 2026In-store
JCB Merchants in SlovakiaNo price publishedRead at source on 19 September 2026Online and in-store
Maestro Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026Online
Maestro Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
Maestro Merchants in CzechiaMastercard scheme rows, which include Maestro (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 1.15% | 3.27%; non-EEA credit 1.50% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscriptionRead at source on 7 October 2026Online
Maestro Merchants in CzechiaMastercard scheme rows, which include Maestro (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 0.20% | 3.27%; non-EEA credit 0.30% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscriptionRead at source on 28 September 2026In-store
Maestro Merchants in HungaryNo price publishedRead at source on 2 October 2026In-store
Mastercard Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026Online
Mastercard Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
Mastercard Merchants in CzechiaMastercard (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 1.15% | 3.27%; non-EEA credit 1.50% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscriptionRead at source on 28 September 2026Online
Mastercard Merchants in CzechiaMastercard (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 0.20% | 3.27%; non-EEA credit 0.30% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscriptionRead at source on 28 September 2026In-store
Mastercard Merchants in HungaryNo price publishedRead at source on 7 October 2026In-store
Mastercard Merchants in SlovakiaNo price publishedRead at source on 19 September 2026Online
Mastercard Debit Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
Mastercard Debit Merchants in CzechiaInterchange | scheme fee | processing fee. Mastercard CZ consumer debit: 0.20% | 0.37% | 0.37% + CZK 0.50; Mastercard EEA consumer debit: 0.20% | 0.34% | 0.37% + CZK 0.50; Mastercard non-EEA consumer debit: 1.15% | 3.27% | 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscriptionRead at source on 28 September 2026Online
Mastercard Debit Merchants in CzechiaInterchange | scheme fee | processing fee. Mastercard CZ consumer debit: 0.20% | 0.37% | 0.37% + CZK 0.50; Mastercard EEA consumer debit: 0.20% | 0.34% | 0.37% + CZK 0.50; Mastercard non-EEA consumer debit: 0.20% | 3.27% | 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscriptionRead at source on 28 September 2026In-store
UnionPay Merchants in HungaryNo price publishedRead at source on 2 October 2026In-store
V PAY Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
V PAY Merchants in HungaryNo price publishedRead at source on 2 October 2026In-store
Visa Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026Online
Visa Merchants in BulgariaUBB: No price publishedRead at source on 12 October 2026In-store
Visa Merchants in CzechiaVisa (interchange | scheme | processing): CZ debit 0.20% | 0.18% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.18% | 0.37% + CZK 0.50; CZ business 1.60% | 0.18% | 0.37% + CZK 0.50; EEA debit 0.20% | 0.21%; EEA credit 0.30% | 0.21%; EEA business 1.35% | 0.21%; non-EEA debit 1.15% | 1.88%; non-EEA credit 1.50% | 1.88%; non-EEA business 2.00% | 1.88%; processing always 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscriptionRead at source on 28 September 2026Online
Visa Merchants in CzechiaVisa (interchange | scheme | processing): CZ debit 0.20% | 0.18% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.18% | 0.37% + CZK 0.50; CZ business 1.60% | 0.18% | 0.37% + CZK 0.50; EEA debit 0.20% | 0.21%; EEA credit 0.30% | 0.21%; EEA business 1.35% | 0.21%; non-EEA debit 0.20% | 1.88%; non-EEA credit 0.30% | 1.88%; non-EEA business 2.00% | 1.88%; processing always 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscriptionRead at source on 28 September 2026In-store
Visa Merchants in HungaryNo price publishedRead at source on 7 October 2026In-store
Visa Merchants in SlovakiaNo price publishedRead at source on 19 September 2026Online
Visa Debit Merchants in CzechiaInterchange | scheme fee | processing fee. Visa CZ consumer debit: 0.20% | 0.18% | 0.37% + CZK 0.50; Visa EEA consumer debit: 0.20% | 0.21% | 0.37% + CZK 0.50; Visa non-EEA consumer debit: 1.15% | 1.88% | 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscriptionRead at source on 28 September 2026Online
Visa Debit Merchants in CzechiaInterchange | scheme fee | processing fee. Visa CZ consumer debit: 0.20% | 0.18% | 0.37% + CZK 0.50; Visa EEA consumer debit: 0.20% | 0.21% | 0.37% + CZK 0.50; Visa non-EEA consumer debit: 0.20% | 1.88% | 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscriptionRead at source on 28 September 2026In-store
Compare KBC 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 19 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 KBC fees

What does KBC charge for card payments?

KBC publishes for card payments (Czechia, in-store): Visa: Visa (interchange | scheme | processing): CZ debit 0.20% | 0.18% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.18% | 0.37% + CZK 0.50; CZ business 1.60% | 0.18% | 0.37% + CZK 0.50; EEA debit 0.20% | 0.21%; EEA credit 0.30% | 0.21%; EEA business 1.35% | 0.21%; non-EEA debit 0.20% | 1.88%; non-EEA credit 0.30% | 1.88%; non-EEA business 2.00% | 1.88%; processing always 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000); Mastercard: Mastercard (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 0.20% | 3.27%; non-EEA credit 0.30% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000). That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does KBC publish no price?

KBC offers these payment methods without a published price (Czechia, in-store): 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 KBC 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.