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Luminor fees per payment method: the prices Luminor publishes

Every price Luminor 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 Luminor 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

Luminor fees by country and channel

Luminor 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 Luminor 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 in EstoniaMakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscriptionRead at source on 7 October 2026Online
Apple Pay Merchants in LithuaniaNo price publishedRead at source on 7 October 2026Online
Apple Pay Merchants in LatviaVisa, Mastercard, Apple Pay & Google Pay card payments: 1.50% + €0.15 (excl. VAT); registration and set-up freePercentage plus fixed amountRead at source on 12 October 2026Online
Google Pay Merchants in EstoniaMakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscriptionRead at source on 7 October 2026Online
Google Pay Merchants in LithuaniaVisa, Mastercard, Apple Pay and Google Pay card payments: 2.30% + €0.19 (excl. VAT); no monthly feePercentage plus fixed amountRead at source on 12 October 2026Online
Google Pay Merchants in LatviaVisa, Mastercard, Apple Pay & Google Pay card payments: 1.50% + €0.15 (excl. VAT); registration and set-up freePercentage plus fixed amountRead at source on 12 October 2026Online
Mastercard Merchants in EstoniaMakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscriptionRead at source on 7 October 2026Online
Mastercard Merchants in LithuaniaNo price publishedRead at source on 28 September 2026Online
Mastercard Merchants in LithuaniaNo price publishedRead at source on 9 October 2026In-store
Mastercard Merchants in LatviaNo price publishedRead at source on 28 September 2026Online
Mastercard Merchants in LatviaNo price publishedRead at source on 7 October 2026In-store
Mastercard Debit Merchants in EstoniaMakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscriptionRead at source on 7 October 2026Online
Mastercard Debit Merchants in LithuaniaNo price publishedRead at source on 9 October 2026In-store
Visa Merchants in EstoniaMakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscriptionRead at source on 7 October 2026Online
Visa Merchants in LithuaniaNo price publishedRead at source on 28 September 2026Online
Visa Merchants in LithuaniaNo price publishedRead at source on 9 October 2026In-store
Visa Merchants in LatviaNo price publishedRead at source on 28 September 2026Online
Visa Merchants in LatviaNo price publishedRead at source on 7 October 2026In-store
Visa Debit Merchants in EstoniaMakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscriptionRead at source on 7 October 2026Online
Visa Debit Merchants in LithuaniaNo price publishedRead at source on 9 October 2026In-store
Compare Luminor 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 28 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 Luminor fees

What does Luminor charge for card payments?

Luminor publishes for card payments (Estonia, online): Visa, Mastercard: MakeCommerce: 1.35% + €0.15; monthly fee: €10. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Luminor publish no price?

Luminor publishes a price for every payment method it offers in the index (Estonia, 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 Luminor 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.