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Montonio fees per payment method: the prices Montonio publishes

Every price Montonio 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 Montonio 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

Montonio fees by country and channel

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

Each rate is shown as Montonio 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 FinlandAmerican Express. Minimum package (€11.99 per month): 2.99% + €0.29; Growth package (€39.99 per month): 2.99% + €0.25; Ultra package (€84.99 per month): 2.99% + €0.25Percentage plus fixed amount, plus subscription, tieredRead at source on 2 October 2026Online
American Express Merchants in Poland2.99% + PLN 0.80Percentage plus fixed amountRead at source on 28 September 2026Online
Apple Pay Merchants in EstoniaThe rate of the card used applies: EU consumer cards: Starter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio for Shopify (€14.99 per month): 0.99% + €0.15; EU business cards: 2.39% + €0.20; non-EU consumer cards: 2.99% + €0.20; non-EU business cards: 3.60% + €0.20; UK-issued cards: 2.50% + €0.20; global cards: 2.99% + €0.20; all fees excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 5 October 2026Online
Apple Pay Merchants in FinlandApple Pay & Google Pay. Minimum package (€11.99 per month): 1.99% + €0.29; Growth package (€39.99 per month): 1.29% + €0.25; Ultra package (€84.99 per month): 0.99% + €0.25Percentage plus fixed amount, plus subscription, tieredRead at source on 2 October 2026Online
Apple Pay Merchants in LithuaniaThe rate of the card used applies: EU-issued consumer cards: Starter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio x Shopify (€14.99 per month): 0.99% + €0.15; EU-issued commercial cards: 2.39% + €0.20; non-EU consumer cards: 2.99% + €0.20; non-EU commercial cards: 3.60% + €0.20; UK-issued cards: 2.50% + €0.20; global cards: 2.99% + €0.20; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026Online
Apple Pay Merchants in LatviaThe rate of the card used applies: EU-issued consumer cards: Starter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio Shopify package (€14.99 per month): 0.99% + €0.15; EU-issued business cards: 2.39% + €0.20; non-EU consumer cards: 2.99% + €0.20; non-EU business cards: 3.60% + €0.20; UK cards: 2.50% + €0.20; global cards: 2.99% + €0.20; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026Online
Apple Pay Merchants in PolandThe rate of the card used applies (Apple Pay and Google Pay: 'W zależności od rodzaju karty'): EU-issued consumer cards: 0.93% + PLN 0.10 (desktop table) / set by the price plan (mobile table); EU-issued business cards: 1.99% + PLN 0.80 (desktop) / 2.39% + PLN 0.80 (mobile); non-EU consumer cards: 2.99% + PLN 0.80; non-EU business cards: 3.60% + PLN 0.80; UK-issued cards: 2.39% + PLN 0.80 (desktop) / 2.50% + PLN 0.80 (mobile); American Express: 2.99% + PLN 0.80; all prices excl. VATPercentage plus fixed amountRead at source on 12 October 2026Online
BLIK Merchants in EstoniaStarter (€11.99 per month), Core (€14.99 per month), Core Flex (€39.99 per month): 0.93% + €0.02; Montonio for Shopify (€14.99 per month): 0.99% + €0.02; international BLIK payout fee (BLIK payouts to non-Polish accounts): 1% of the payout amount, minimum PLN 25; all fees excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 8 October 2026Online
BLIK Merchants in FinlandShopify plan (€29.99 per month): 1.99% + €0.35Percentage plus fixed amount, plus subscriptionRead at source on 2 October 2026Online
BLIK Merchants in Lithuania0.93% + €0.02; Montonio x Shopify (€14.99 per month): 0.99% + PLN 0.10; international BLIK payout fee (BLIK payouts to a non-Polish bank account): 1% of the payout amount, min. PLN 25; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 5 October 2026Online
BLIK Merchants in LatviaStarter (€11.99 per month), Core (€14.99 per month), Core Flex (€39.99 per month): 0.93% + €0.02; Montonio Shopify package (€14.99 per month): 0.99% + €0.02; cross-border BLIK payouts (to accounts outside Poland): 1% of the payout amount, min. PLN 25; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 5 October 2026Online
BLIK Merchants in PolandShopify (monthly fee PLN 0): BLIK 0.93% + PLN 0.10 (desktop table) / 0.99% + PLN 0.10 (mobile table); all prices excl. VATPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in EstoniaThe rate of the card used applies: EU consumer cards: Starter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio for Shopify (€14.99 per month): 0.99% + €0.15; EU business cards: 2.39% + €0.20; non-EU consumer cards: 2.99% + €0.20; non-EU business cards: 3.60% + €0.20; UK-issued cards: 2.50% + €0.20; global cards: 2.99% + €0.20; all fees excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 5 October 2026Online
Google Pay Merchants in FinlandApple Pay & Google Pay. Minimum package (€11.99 per month): 1.99% + €0.29; Growth package (€39.99 per month): 1.29% + €0.25; Ultra package (€84.99 per month): 0.99% + €0.25Percentage plus fixed amount, plus subscription, tieredRead at source on 2 October 2026Online
Google Pay Merchants in LithuaniaThe rate of the card used applies: EU-issued consumer cards: Starter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio x Shopify (€14.99 per month): 0.99% + €0.15; EU-issued commercial cards: 2.39% + €0.20; non-EU consumer cards: 2.99% + €0.20; non-EU commercial cards: 3.60% + €0.20; UK-issued cards: 2.50% + €0.20; global cards: 2.99% + €0.20; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026Online
Google Pay Merchants in LatviaThe rate of the card used applies: EU-issued consumer cards: Starter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio Shopify package (€14.99 per month): 0.99% + €0.15; EU-issued business cards: 2.39% + €0.20; non-EU consumer cards: 2.99% + €0.20; non-EU business cards: 3.60% + €0.20; UK cards: 2.50% + €0.20; global cards: 2.99% + €0.20; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026Online
Google Pay Merchants in PolandThe rate of the card used applies (Apple Pay and Google Pay: 'W zależności od rodzaju karty'): EU-issued consumer cards: 0.93% + PLN 0.10 (desktop table) / set by the price plan (mobile table); EU-issued business cards: 1.99% + PLN 0.80 (desktop) / 2.39% + PLN 0.80 (mobile); non-EU consumer cards: 2.99% + PLN 0.80; non-EU business cards: 3.60% + PLN 0.80; UK-issued cards: 2.39% + PLN 0.80 (desktop) / 2.50% + PLN 0.80 (mobile); American Express: 2.99% + PLN 0.80; all prices excl. VATPercentage plus fixed amountRead at source on 12 October 2026Online
Mastercard Merchants in EstoniaNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in FinlandVisa, Mastercard. Minimum package (€11.99 per month): 1.99% + €0.29; Growth package (€39.99 per month): 1.29% + €0.25; Ultra package (€84.99 per month): 0.99% + €0.25; surcharges: EU business cards 2.99% + €0.29 (Minimum) or + €0.25 (Growth, Ultra), non-EU consumer cards the same, non-EU business cards 3.60% + the same fixed feePercentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026Online
Mastercard Merchants in LithuaniaNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in LatviaNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in PolandNo price publishedRead at source on 17 September 2026Online
MobilePay Merchants in EstoniaStarter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio for Shopify (€14.99 per month): 1.29% + €0.25; all fees excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 28 September 2026Online
MobilePay Merchants in FinlandMobilePay. Minimum package (€11.99 per month): 1.99% + €0.29; Growth package (€39.99 per month): 1.29% + €0.25; Ultra package (€84.99 per month): 0.99% + €0.25; Shopify plan (€29.99 per month): 1.29% + €0.25Percentage plus fixed amount, plus subscription, tieredRead at source on 2 October 2026Online
MobilePay Merchants in LithuaniaStarter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio x Shopify (€14.99 per month): 1.29% + €0.25; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 28 September 2026Online
MobilePay Merchants in LatviaStarter (€11.99 per month): 1.49% + €0.25; Core (€14.99 per month) and Core Flex (€39.99 per month): 1.29% + €0.20; Montonio Shopify package (€14.99 per month): 1.29% + €0.25; all prices excl. VATPercentage plus fixed amount, plus subscription, tieredRead at source on 28 September 2026Online
MobilePay Merchants in PolandNo price publishedRead at source on 20 September 2026Online
Visa Merchants in EstoniaNo price publishedRead at source on 20 September 2026Online
Visa Merchants in FinlandVisa, Mastercard. Minimum package (€11.99 per month): 1.99% + €0.29; Growth package (€39.99 per month): 1.29% + €0.25; Ultra package (€84.99 per month): 0.99% + €0.25; surcharges: EU business cards 2.99% + €0.29 (Minimum) or + €0.25 (Growth, Ultra), non-EU consumer cards the same, non-EU business cards 3.60% + the same fixed feePercentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026Online
Visa Merchants in LithuaniaNo price publishedRead at source on 20 September 2026Online
Visa Merchants in LatviaNo price publishedRead at source on 20 September 2026Online
Visa Merchants in PolandNo price publishedRead at source on 17 September 2026Online
Compare Montonio 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 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 Montonio fees

What does Montonio charge for card payments?

Montonio publishes for card payments (Finland, online): Visa, Mastercard: Visa, Mastercard. Minimum package (€11.99 per month): 1.99% + €0.29; Growth package (€39.99 per month): 1.29% + €0.25; Ultra package (€84.99 per month): 0.99% + €0.25; surcharges: EU business cards 2.99% + €0.29 (Minimum) or + €0.25 (Growth, Ultra), non-EU consumer cards the same, non-EU business cards 3.60% + the same fixed fee. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Montonio publish no price?

Montonio publishes a price for every payment method it offers in the index (Finland, 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 Montonio 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.