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Lyra fees per payment method: the prices Lyra publishes

Every price Lyra 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 Lyra 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

Lyra fees by country and channel

Lyra stands in the index with 23 payment methods for merchants established in Europe, and publishes a price for 23 of them.

Each rate is shown as Lyra 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
Alipay Merchants in Germany€0.20 + 2.90%; €0.20 + 1.70% (two rates printed without labels)Percentage plus fixed amountRead at source on 12 October 2026Online
Alipay Merchants in France€0.20 + 2.90%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
Alma Merchants in France€0.20 + direct contract with Alma; indicative rates for standard cards (à titre indicatif)Plus the method owner’s feeRead at source on 12 October 2026Online
American Express Merchants in Germany€0.20 + 2.90%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
American Express Merchants in France€0.20 + 2.90%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
Apple Pay Merchants in GermanyEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; AMEX: €0.20 + 2.90%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Apple Pay Merchants in FranceEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; AMEX: €0.20 + 2.90%; subject to a monthly subscription and set-up fee; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Bancontact Merchants in Germany€0.55; indicative rates for standard cards (Richtwerte für Standardkarten)Fixed amountRead at source on 12 October 2026Online
Bizum Merchants in Germany€0.20 + direct contract with Bizum; indicative rates for standard cards (Richtwerte für Standardkarten)Plus the method owner’s feeRead at source on 12 October 2026Online
Cartes Bancaires Merchants in GermanyCB, European cards: €0.20 + 1.40%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Cartes Bancaires Merchants in FranceEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 1.40%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
FLOA Pay Merchants in FranceEuropean cards: €0.20 + direct contract with FLOA; subject to a monthly subscription and set-up fee; indicative rates for standard cards (à titre indicatif)Plus the method owner’s fee, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in GermanyEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Google Pay Merchants in FranceEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; subject to a monthly subscription and set-up fee; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
iDEAL Merchants in Germany€0.35; indicative rates for standard cards (Richtwerte für Standardkarten)Fixed amountRead at source on 12 October 2026Online
Maestro Merchants in Germany€0.20 + 1.40%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Mastercard Merchants in GermanyEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Mastercard Merchants in FranceEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
MB WAY Merchants in France€0.30 + 1.40%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
Multibanco Merchants in Germany€0.35 + 2.10%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
MyBank Merchants in Germany€0.35 + 2%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Oney Merchants in Germany€0.20 + direct contract with Oney; indicative rates for standard cards (Richtwerte für Standardkarten)Plus the method owner’s feeRead at source on 12 October 2026Online
Oney Merchants in France€0.20 + direct contract with Oney; indicative rates for standard cards (à titre indicatif)Plus the method owner’s feeRead at source on 12 October 2026Online
PayPal Merchants in Germany€0.20 + direct contract with PayPalPlus the method owner’s feeRead at source on 12 October 2026Online
PayPal Merchants in France€0.20 + direct contract with PayPal; indicative rates for standard cards (à titre indicatif)Plus the method owner’s feeRead at source on 12 October 2026Online
Przelewy24 Merchants in Germany€0.35 + 3%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Samsung Pay Merchants in FranceEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; subject to a monthly subscription and set-up fee; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
SEPA Direct Debit Merchants in Germany€0.20 + 0.90% (max €2.00); indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
SEPA Direct Debit Merchants in France€0.20 + 0.90% (max €2.00); indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
Titres-Restaurant (CONECS) Merchants in FranceBimpli Resto, Upcoop Déjeuner and Pluxee: €0.20 + direct contract with Conecs; indicative rates for standard cards (à titre indicatif)Plus the method owner’s feeRead at source on 12 October 2026Online
TWINT Merchants in GermanyNon-Swiss company: CHF 0.25 + 2.50%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Visa Merchants in GermanyEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amountRead at source on 12 October 2026Online
Visa Merchants in FranceEuropean cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amountRead at source on 12 October 2026Online
Compare Lyra 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 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 Lyra fees

What does Lyra charge for card payments?

Lyra publishes for card payments (Germany, online): Visa, Mastercard: European cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; indicative rates for standard cards (Richtwerte für Standardkarten). That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Lyra publish no price?

Lyra publishes a price for every payment method it offers in the index (Germany, 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 Lyra 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.