Visa Debit accepteren als merchant
Visa Debit is het Visa-debitproduct dat V Pay in Europa vervangt. Anders dan V Pay, dat voor de kassa was gebouwd en de meeste online transacties niet kon verwerken, werkt Visa Debit overal waar Visa wordt geaccepteerd: in de winkel, online, in wallets en grensoverschrijdend.
Gepubliceerde tarieven voor Visa DebitPer aanbieder, land en kanaal, verderop op deze paginaNaar de tarievenOvergang
De overgang van V Pay en wat die van u vraagt
Uit die overgang volgen twee praktische acties. Elk V Pay-logo dat nog in uw checkout of op uw pagina’s met betaalmethoden staat hoort weg nu de kaart uit omloop raakt, zodat klanten niet in verwarring raken over wat u accepteert. En iedere acquirer of PSP die Visa accepteert ondersteunt Visa Debit standaard, dus er is geen integratiewerk, alleen bevestiging van de configuratie. Voor Nederlandse consumenten is de verandering groter dan zij lijkt: een debitkaart die online werkt vermindert de afhankelijkheid van iDEAL als enige begaanbare route voor debithouders.
Economie
Debit-economie en uw effectieve tarief
Debit en credit dragen verschillende interchange, en in gereguleerde markten ligt de debitcap wezenlijk lager. Uw effectieve kaarttarief hangt dus af van uw verhouding debit tot credit, die volgt uit uw klantenbestand. Onder pass-through betaalt een debit-zware merchant debit-economie. Onder een blended tarief betaalt hij een gemiddelde waarin credit meeweegt die hij nauwelijks accepteert, en het verschil is providermarge en geen kostprijs.
Cardmix
Uw twee debitmerken zijn niet één regel
De meeste Europese merchants accepteren zowel Visa Debit als Debit Mastercard, en de meeste rapporteren ze als één debitgetal. Die twee hoeven niet hetzelfde geprijsd te zijn, en de verdeling ertussen is niet aan u. Zij volgt uit welke bank de kaart heeft uitgegeven.
Dat heeft een concreet gevolg. Verschuift uw issuermix, en die verschuift, dan beweegt uw effectieve debittarief zonder dat er iets in uw contract verandert en zonder dat iemand het meldt. Andersom geldt hetzelfde: een tariefwijziging op één merk is onzichtbaar zolang de twee samen worden gerapporteerd.
Rapporteer ze dus apart. Vraag om effectief tarief, volume en gemiddelde transactiewaarde per brand en per categorie, precies wat artikel 12 van Verordening (EU) 2015/751 u al toekent. Kijk daarna over twaalf maanden. Is één merk gegroeid en is uw blended debittarief meebewogen, dan heeft u een kostenwijziging gevonden waarover niemand heeft onderhandeld.
Australië: wat er verandert op 1 oktober 2026
Het Conclusions Paper van de RBA van 31 maart 2026 schrapt surcharging op eftpos, Mastercard en Visa per 1 oktober 2026, verlaagt de binnenlandse interchange-caps, voert caps in op interchange van buitenlandse kaarten en verplicht netwerken en grote acquirers hun tarieven te publiceren. Vanaf die datum kan een Australische merchant de acceptatiekosten niet meer op de klant verhalen, waardoor de hele vraag op de marge komt te liggen.
Welke payment provider ondersteunt Visa Debit?
Visa-acceptatie wordt onder meer gedocumenteerd door Adyen, Checkout.com, Stripe, Worldline, Nexi, Cybersource en Global Payments, en Visa Debit hoort daarbij en is geen aparte aanzetknop. Adyen, Nexi, Trust Payments en Buckaroo noemen Visa Debit daarnaast als eigen merk in hun documentatie. Iedere acquirer die Visa accepteert accepteert hem, dus de nuttige vragen zijn wat uw effectieve debittarief is, of debit en credit apart worden geprijsd, en of er nog V Pay-configuratie in de lucht is die een acceptatiegat kan veroorzaken wanneer de laatste kaarten verlopen.
Retail Payment Methods Transparency Index
Gepubliceerde tarieven voor Visa Debit, per aanbieder
37 aanbieders in de index bieden Visa Debit aan merchants die in Europa gevestigd zijn, en 26 daarvan publiceren een tarief.
Elk tarief staat zoals de aanbieder het publiceert; de naam van de aanbieder verwijst, waar die er is, naar zijn tarievenpagina op deze site, met de bron van elk tarief.
Het land waar uw bedrijf gevestigd is en van waaruit u verkoopt. Klanten betalen wereldwijd met Visa Debit.
Kanaal
Inclusief de tarieven die aanbieders publiceren voor merchants overal in de EU, gemarkeerd als EU-breed.
| Aanbieder | Per transactie | Kanaal |
|---|---|---|
| Adyen Merchants in Duitsland | Geen tarief gepubliceerd | Online en in de winkel |
| Adyen Merchants in het Verenigd Koninkrijk | Geen tarief gepubliceerd | In de winkel |
| Axepta BNP Paribas Merchants in België | Geen tarief gepubliceerd | Online |
| Axepta BNP Paribas Merchants in Luxemburg | Geen tarief gepubliceerd | Online |
| Axerve Merchants in Italië | Standard: 3.50% + €4; Standard, extra-EEA cards: additional 2%; IRF+: 2.78% + interchange fee; IRF+, extra-EEA cards: additional 2%; IRF++: 2.56% + interchange fee + scheme fees; transaction processing request fee €0.50 + VAT per request; activation €150 one-off per virtual point of sale; stamp duty €16 one-offVerwerkingsfee + Percentage plus vast bedrag, gestaffeld | Online |
| Axerve Merchants in Italië | Geen tarief gepubliceerd | In de winkel |
| Barclaycard Payments Merchants in het Verenigd Koninkrijk | Geen tarief gepubliceerd | Online en in de winkel |
| Buckaroo Merchants in Nederland | Geen tarief gepubliceerd | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus vast bedrag, plus abonnement | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | Visa, Visa Electron, V Pay debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus vast bedrag, gestaffeld | In de winkel |
| CM.com Merchants in België | Terminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeVerwerkingsfee + Percentage plus vast bedrag, met minimum, plus abonnement | In de winkel |
| CM.com Merchants in Nederland | Terminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeVerwerkingsfee + Percentage plus vast bedrag, met minimum, plus abonnement | In de winkel |
| Comercia Global Payments (CaixaBank) Merchants in Portugal | MyCommerce monthly fee by monthly turnover (plus VAT): €15 (below €2,000); €27 (€2,000 to €4,000); €38 (€4,000 to €6,000); €48 (€6,000 to €8,000); €57 (€8,000 to €10,000); from €10,000: €57 + 0.90% on the turnover above €10,000 (min. €0.05 per transaction); debit and credit cards issued outside the EEA (consumer and business): 2.35% (min. €0.05 per transaction); additional terminal: €9.50 per month; promotion for contracts from 14/01/2026 to 31/12/2026: 6 months without monthly fee (min. monthly turnover €150 during the exemption, maximum exemption €342)Percentage, plus abonnement, gestaffeld, met minimum | In de winkel |
| Comgate Merchants in Tsjechië | Start (for merchants starting to accept cards who have not accepted card payments before; up to CZK 300,000 of payments; first six calendar months from contract signing, then the Easy tariff applies): Visa and Mastercard cards incl. Google Pay and Apple Pay, all card types: payments up to CZK 50,000 per month free, above CZK 50,000 1.00% + CZK 0, monthly service fee free; Easy: consumer debit and credit cards issued in the EU 1.00% + CZK 0 (promotion 0.60% + CZK 0 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing), business and other cards issued in the EU and cards issued outside the EU 2.00% + CZK 0, monthly service fee CZK 100 (free above CZK 100,000 monthly payment volume and for the second and each further e-shop); Profi: consumer debit and credit cards issued in the EU 0.67% + CZK 1 (promotion 0.47% + CZK 1 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing), business and other cards issued in the EU 2.00% + CZK 1, consumer cards issued outside the EU 2.70% + CZK 4.50, business cards issued outside the EU 3.40% + CZK 4.50, monthly service fee CZK 100 (free above CZK 100,000 monthly payment volume and for the second and each further e-shop); all tariffs: card payments in a currency other than the merchant's home currency +0.15%Percentage plus vast bedrag, plus abonnement, gestaffeld | Online |
| Comgate Merchants in Tsjechië | Start (for merchants starting to accept cards who have not accepted card payments before; up to CZK 300,000 of payments; first six calendar months from contract signing, then Easy applies): card payments up to CZK 50,000 per month free, above CZK 50,000 1% + CZK 0; first terminal rental free, further terminals free or CZK 300 per month (free above CZK 100,000 monthly volume per terminal); mobile terminal app free or CZK 50 (free above CZK 50,000 monthly volume); Easy: EU consumer debit and credit cards incl. Apple Pay and Google Pay 1% + CZK 0 (promotion 0.60% + CZK 0 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing); business and other cards issued in the EU and cards issued outside the EU 2% + CZK 0; Profi: EU consumer debit and credit cards 0.67% + CZK 0.60 (promotion 0.47% + CZK 0.60 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing); business and other cards issued in the EU 1.80% + CZK 0.60; consumer debit and credit cards issued outside the EU 1.30% + CZK 4; business and other cards issued outside the EU 3.00% + CZK 4; optional monthly invoicing of fees 0.10%; Easy and Profi: terminal rental free or CZK 300 per month (free above CZK 100,000 monthly volume per terminal), mobile terminal app free or CZK 50 (free above CZK 50,000 monthly volume per app); all tariffs: payments in EUR +0.15%; SIM with data CZK 70 per month; terminal purchase CZK 5,000 excl. VAT; international transfer in CZK CZK 30Percentage plus vast bedrag, plus abonnement, gestaffeld | In de winkel |
| Elavon Merchants in Duitsland | Geen tarief gepubliceerd | In de winkel |
| Elavon Merchants in het Verenigd Koninkrijk | Visa and Mastercard personal debit and credit cards, Core All-in-one (in person and online): 0.99%; £15 per month terminal and gateway fee; gateway fee £0.16 per transaction; 12-month contractVerwerkingsfee + Percentage, plus abonnement | Online |
| Elavon Merchants in het Verenigd Koninkrijk | Visa and Mastercard personal debit and credit cards: Start simple: 1.75% (£5 one-off card reader); Business Booster Desk: 0.99% (£15 per month terminal fee); Core All-in-one: 0.99% (£15 per month terminal and gateway fee; gateway fee £0.16 per transaction); Business Booster Move: 0.99% (£18 per month terminal fee); 12-month contract on all plansVerwerkingsfee + Percentage, plus abonnement, gestaffeld | In de winkel |
| ePay.bg Merchants in Bulgarije | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, met minimum, plus abonnement | Online |
| First Cash Solution Merchants in Duitsland | Geen tarief gepubliceerd | In de winkel |
| Fiserv (Clover) Merchants in België | Geen tarief gepubliceerd | Online |
| Fiserv (Clover) Merchants in het Verenigd Koninkrijk | AIB Merchant Services: Geen tarief gepubliceerd | Online |
| Fiserv (Clover) Merchants in het Verenigd Koninkrijk | AIB Merchant Services: Geen tarief gepubliceerd | In de winkel |
| Fiserv (Clover) Merchants in Nederland | Visa Debit domestic: 1.40% + €0.15; Visa Debit international: 1.50% + €0.15; monthly service fee (webshop) €9.95Percentage plus vast bedrag, plus abonnement | Online |
| Fiserv (Clover) Merchants in Nederland | Visa Debit domestic: €0.069; Visa Debit international: 1.50%; monthly service fee (physical location) €8.75Percentage plus vast bedrag, plus abonnement | In de winkel |
| Fiserv (Clover) Merchants in België | CCV: Consumer debit cards issued in the EEA, by number of transactions per month: 1–99: €0.240; 100–199: €0.188; 200–399: €0.140; 400–749: €0.116; 750–1,099: €0.100; 1,100–2,499: €0.082; above 2,500: €0.075; consumer debit cards issued outside the EEA: 1.25%; business debit cards worldwide: 1.60%Vast bedrag, gestaffeld | In de winkel |
| Fiserv (Clover) Merchants in Nederland | CCV: €0.068; CCV transaction processing €4.25 per terminal per monthVast bedrag, plus abonnement | In de winkel |
| Global Payments Merchants overal in de EU | Geen tarief gepubliceerd | Online |
| Global Payments Merchants in het Verenigd Koninkrijk | Geen tarief gepubliceerd | Online |
| Global Payments Merchants in het Verenigd Koninkrijk | Geen tarief gepubliceerd | In de winkel |
| Hrvatska poštanska banka (HPB) Merchants in Kroatië | Geen tarief gepubliceerd | Online en in de winkel |
| ING Merchants in Polen | 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 vast bedrag | Online |
| KBC Merchants in Tsjechië | Interchange | 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 abonnement | Online |
| KBC Merchants in Tsjechië | Interchange | 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 abonnement | In de winkel |
| Luminor Merchants in Estland | MakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus vast bedrag, plus abonnement | Online |
| Luminor Merchants in Litouwen | Geen tarief gepubliceerd | In de winkel |
| NBG Pay Merchants in Griekenland | Visa Debit: NBG cards 0.60%, Corporate 1.80%; other EU 0.60%, Corporate 1.85%; outside EU 1.30%, Corporate 2.75%; POS terminal: wired free, wireless €9.90 per monthPercentage, plus abonnement | In de winkel |
| NETOPIA Payments Merchants in Roemenië | 1.19% of the transaction value + RON 0.30 (Visa/MasterCard debit/credit cards issued in Romania or abroad); 1.45 - 11.00% of the transaction value + RON 0.30 (instalment cards, Visa/MasterCard); negotiable share of the transaction value (by monthly volume)Percentage plus vast bedrag | Online |
| Nexi Merchants in Oostenrijk | 1% for all cards (applies to debit and credit cards of Mastercard and Visa); €1 licence fee; no monthly base fee; commercial credit cards: an additional 1.49% of the transaction amount on top of the disagioPercentage | In de winkel |
| Nexi Merchants in Duitsland | Geen tarief gepubliceerd | In de winkel |
| Nexi Merchants in Italië | Credit, debit and prepaid: 1.30% + 1.30% Extra EEA; Commercial: 2.25% + 0.74% Extra EEA; gateway fee: €0.35 per operation; transactions of €30 or less: 0.05% reduction; monthly fee: €5.90; Protection Plus: €7.50 one-off + €2.50/monthVerwerkingsfee + Percentage, plus abonnement | Online |
| Nexi Merchants in Italië | Italia +: credit, debit and prepaid: 0.99% + 0.65% Extra EEA; Commercial: 2.49% + 0% Extra EEA; card-not-present surcharge: 0.95%; transactions of €30 or less: 0.05% reduction; €29/month; installation €0 (was €79), promotion valid until 1 November 2026; Protection Plus: €2.50 + €7.50 one-off per point of salePercentage, plus abonnement | In de winkel |
| novobanco Merchants in Portugal | Consumer cards, domestic and EEA: 0.90%; consumer cards outside the EEA: 2.35%; business cards, domestic: 2.00%; business cards, EEA: 2.00%; business cards outside the EEA: 2.95%; min €0.06 on every rate; fixed fee per transaction: €0.06; TPA Negócios SmartPOS, transaction fee included up to a turnover limit on Multibanco cards and EEA consumer Visa and Mastercard cards, per month + VAT: €500: €15.50; €1,000: €22.00; €2,000: €29.00; €5,000: €42.00; €10,000: €57.00; TPA Negócios Extra €15,000: 1 terminal €67.00, 2 terminals €77.00, 3 terminals €87.00; on these packages, turnover above the package limit: 0.90% (min €0.06) + €0.06 per transaction; business cards and cards issued outside the EEA: 2.35% (min €0.06) + €0.06 per transactionPercentage plus vast bedrag, plus abonnement, gestaffeld, met minimum | In de winkel |
| Numia Merchants in Italië | Standard: 6% + €2; Extra EEA surcharge (standard model): 3%; Interchange+: interchange + 6% + €2; Interchange++: interchange + scheme fees + 6% + €2; card-not-present surcharge: 3%; monthly minimum commission (international circuits): €200Percentage plus vast bedrag, gestaffeld | In de winkel |
| OTP Bank Merchants in Hongarije | Geen tarief gepubliceerd | Online en in de winkel |
| Pay. Merchants overal in de EU | Terminal Payments NL, Professional: €0.07; Terminal Payments NL, Business: €0.065; Terminal Payments BE, Professional: €0.12; Terminal Payments EU, Professional: €0.15; SoftPOS, Netherlands & Belgium, Transaction value up to €50,-, Professional: €0.09; SoftPOS, Netherlands & Belgium, Transaction value up to €50,-, Business: €0.08; SoftPOS, Netherlands & Belgium, Transaction value above €50,-, Professional: €0.06 + 0.25%; SoftPOS, Netherlands & Belgium, Transaction value above €50,-, Business: €0.06 + 0.20%; SoftPOS, Other countries EU, Transaction value above €50,-, Professional: €0.06 + 0.60%; SoftPOS, Other countries EU, Transaction value above €50,-, Business: €0.06 + 0.50%; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthPercentage plus vast bedrag, plus abonnement, gestaffeld | In de winkel |
| PAYONE Merchants in Oostenrijk | Geen tarief gepubliceerd | In de winkel |
| PayPal Merchants in België | PayPal Checkout: Blended: 1.80% + €0.35; Interchange Plus: interchange + 1.80% + €0.35; additional fee for international transactions (not on interchange): EEA no fee, UK 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Spanje | PayPal Checkout: Blended: 1.20% + €0.35; Interchange Plus: interchange + 1.20% + €0.35; additional fee for international transactions (not on interchange): EEA no fee, UK 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Finland | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Frankrijk | PayPal Checkout: 1.20% + €0.35 (advanced credit and debit card payments, blended); Interchange Plus: interchange + 1.20% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in het Verenigd Koninkrijk | Advanced Credit and Debit Card Payments, blended: 1.20% + fixed fee; Advanced Credit and Debit Card Payments, Interchange Plus: interchange + 1.20% + fixed fee; fixed fee: £0.30 (GBP), €0.35 (EUR); Website Payments Pro, blended: 3.40% + fixed fee; Website Payments Pro, Interchange Plus: interchange + 2.90% + fixed fee; Virtual Terminal, blended: 2.90% + fixed fee; Virtual Terminal, Interchange Plus: interchange + 2.90% + fixed fee; Website Payments Pro fixed fee (blended and interchange pricing): £0.20 (GBP); international transactions: +1.29% (EEA), +1.99% (all other markets), not on interchange-based fees under Interchange Plus; Website Payments Pro (including Virtual Terminal) monthly fee: £20.00Percentage plus vast bedrag, plus abonnement | Online |
| PayPal Merchants in Griekenland | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Hongarije | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + HUF 90.00 (HUF) or €0.35 (EUR); Interchange Plus: interchange + 1.90% + HUF 90.00 (HUF) or €0.35 (EUR); international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Ierland | PayPal Checkout: Advanced credit and debit card payments, blended: 1.20% + €0.35; Interchange Plus: interchange + 1.20% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Italië | PayPal Checkout: Advanced credit and debit card payments, blended: 1.20% + €0.35; Interchange Plus: interchange + 1.20% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Litouwen | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Luxemburg | PayPal Checkout: Blended: 1.80% + €0.35; Interchange Plus: interchange + 1.80% + €0.35; international transactions (Blended): UK +1.29%, all other non-EEA markets +1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Letland | PayPal Checkout: Blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international transactions (Blended): UK +1.29%, all other non-EEA markets +1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Nederland | PayPal Checkout: Blended: 1.80% + €0.35; Interchange Plus: interchange + 1.80% + €0.35; international transactions (Blended): UK +1.29%, all other non-EEA markets +1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Polen | Blended: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee by currency received: PLN 1.35 (PLN), €0.35 (EUR), other currencies per fixed-fee table; international transactions (Blended only): EEA no fee, UK +1.29%, all other markets +1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Portugal | Blended: 1.20% + fixed fee; Interchange Plus: interchange + 1.20% + fixed fee; fixed fee: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Roemenië | PayPal advanced card payments: Blended: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Zweden | PayPal advanced credit and debit card payments, blended pricing: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee for card payment services, SEK: SEK 3.25; EUR: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus vast bedrag | Online |
| PayPal Merchants in Slovenië | PayPal advanced card payments: Blended: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus vast bedrag | Online |
| Payrexx Merchants in Zwitserland | InStore (CHF 0 per month), card reader / Tap to Pay, debit cards: 1.65% + CHF 0.15; InStore Better Fees (add-on CHF 9 per month), debit cards: 0.95% + CHF 0.15; Omnichannel subscription, debit cards: Free (CHF 0 per month), Tap to Pay 1.65% + CHF 0.15; Standard (CHF 19, 17 or 15 per month on a 1, 2 or 3-year term) and Premium (CHF 49, 44 or 39 per month on a 1, 2 or 3-year term), POS and Tap to Pay 0.95% + CHF 0.15Percentage plus vast bedrag, plus abonnement, gestaffeld | In de winkel |
| PostePay Merchants in Italië | Visa and Visa Electron debit and prepaid cards: up to €5: domestic and intra-EEA 3.40% + €2.80, extra-EEA 4.50% + €3.80; above €5: domestic and intra-EEA 3.42% + €2.80, extra-EEA 4.52% + €3.80; Postepay prepaid / BancoPosta debit / Postamat BancoPosta Click co-branded VISA (card data entry or 'Paga con Postepay'): up to €5: domestic and intra-EEA 2.80% + €1.80; above €5: domestic and intra-EEA 2.82% + €1.80; extra-EEA n.a.; activation fee €200.00; monthly fee €100.00 (€80.00 for the Acquiring e-commerce PostePay Tandem – Pos Virtuale service alone when combined with PostePay E-commerce Business – Creazione Store); commission refund: commissions charged up to the day the monthly transacted threshold is reached are refunded monthly, also when the threshold is not reached; monthly transacted threshold €0.00 to €5,000 (maximum and minimum applicable values); maximum applicable valuesPercentage plus vast bedrag, plus abonnement, gestaffeld | Online |
| PostePay Merchants in Italië | Visa and Visa Electron debit/prepaid cards (chip and contactless): up to €5: domestic and intra-EEA 3.80% + €2.80, extra-EEA 4.50% + €3.80; above €5: domestic and intra-EEA 4.00% + €3.00, extra-EEA 4.52% + €3.80; Postepay cards co-branded VISA (chip and contactless): up to €5: domestic and intra-EEA 2.80% + €1.80; above €5: 3.00% + €2.00; extra-EEA n.a. (maximum applicable commissions)Percentage plus vast bedrag, gestaffeld | In de winkel |
| PostFinance Merchants in Zwitserland | Geen tarief gepubliceerd | In de winkel |
| REDUNIQ (UNICRE) Merchants in Portugal | Maximum rates (TSC máxima per transaction). Online, Reduniq E-Commerce (monthly fee €19.00 + VAT per virtual store): EEA cards: consumer credit, debit and prepaid 2.25% + €0.35, business 2.75% + €0.35; non-EEA cards: consumer (excl. Premium) 3.20% + €0.35, consumer Premium 3.75% + €0.35, business 3.20% + €0.35; Reduniq@Payments: all cards 3.15% + €0.35; Pagamento de Compras, domestic cards: without real time, consumer 3.75% + €0.16, business 3.95% + €0.16; with real time, consumer 3.75% + €0.19, business 3.95% + €0.19Percentage plus vast bedrag, plus abonnement, gestaffeld | Online |
| REDUNIQ (UNICRE) Merchants in Portugal | Maximum rates (TSC máxima per transaction). In-store, EEA cards: consumer debit and prepaid 1.50%, business credit, debit and prepaid 2.50%; non-EEA cards: consumer debit and prepaid (excl. Premium) 2.35%, consumer Premium credit, debit and prepaid 3.00%, business credit, debit and prepaid 3.00%; min €0.05 per transaction; + €0.15 per transaction on a mobile POS (mPOS); + €0.10 per transaction on a terminal of the Integrated Payments Solution; Reduniq Easy, all cards: 1.50% (sign-ups since 01-10-2022, on monthly card turnover above €7,500), 2.25% (sign-ups up to 30-09-2022)Percentage, met minimum, gestaffeld | In de winkel |
| UniCredit Merchants in Italië | Visa/V PAY/Visa Electron Debit: consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.09%); consumer cards issued by other banks: Debit/Prepaid: 3.80% (MIF 0.20%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus vast bedrag, gestaffeld | Online |
| UniCredit Merchants in Italië | Visa/V PAY/Visa Electron Debit: consumer cards issued by the bank: 3.55% (MIF 0.20%, Scheme 0.09%); consumer cards issued by other banks: 3.80% (MIF 0.20%, Scheme 0.11%); commercial cards issued by the bank: 3.55%; EU commercial and non-EU cards issued by other banks: 3.80%; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus vast bedrag, gestaffeld | In de winkel |
| Vert Merchants in Duitsland | Geen tarief gepubliceerd | In de winkel |
| Viva.com Merchants in Oostenrijk | 0.45% (local consumer debit cards); 1.69% (domestic and EEA consumer cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage, met minimum, plus abonnement | In de winkel |
| Viva.com Merchants in Duitsland | 0.85% (local consumer debit cards); 1.69% (domestic and EEA consumer cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage, met minimum, plus abonnement | In de winkel |
| wallee Merchants in Frankrijk | €0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageVerwerkingsfee + Percentage, plus abonnement, gestaffeld | Online |
| wallee Merchants in het Verenigd Koninkrijk | £0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic £18.00 per month, Business £69.90 per month, Enterprise on request; Business plan per-transaction fee: £0.12 (instead of £0.20) + the same processor percentageVerwerkingsfee + Percentage, plus abonnement, gestaffeld | Online |
| wallee Merchants in Italië | €0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageVerwerkingsfee + Percentage, plus abonnement, gestaffeld | Online |
| wallee Merchants in Nederland | €0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageVerwerkingsfee + Percentage, plus abonnement, gestaffeld | Online |
| Worldline Merchants in Oostenrijk | Geen tarief gepubliceerd | Online |
| Worldline Merchants in België | Domestic debit cards: €0.13; non-domestic debit cards: 1.40%; surcharge on commercial cards: +1.20%; surcharge on cards issued outside the EEA: +1.20%; activation: €0; monthly fee: €0Percentage plus vast bedrag | In de winkel |
| Worldline Merchants in Zwitserland | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Zwitserland | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Tsjechië | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Tsjechië | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Duitsland | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Denemarken | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Denemarken | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Spanje | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Finland | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Finland | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Frankrijk | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Griekenland | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Kroatië | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Kroatië | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Hongarije | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Italië | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Luxemburg | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Luxemburg | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Nederland | Worldline QR Payments: domestic debit cards: €0.13; non-domestic debit cards: 1.40%; surcharge on commercial cards: +1.20%; surcharge on cards issued outside the EEA: +1.20%; activation: €0; monthly fee: €0Vast bedrag | In de winkel |
| Worldline Merchants in Polen | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Polen | Geen tarief gepubliceerd | In de winkel |
| Worldline Merchants in Zweden | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Slovenië | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Slowakije | Geen tarief gepubliceerd | Online |
| Worldline Merchants in Slowakije | Geen tarief gepubliceerd | In de winkel |
| YabandPay Merchants in Oostenrijk | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in België | Domestic Debit Cards: €0.12; Domestic Credit Cards: 1.30%; Visa / Mastercard Card within EEA: 1.30%; Visa / Mastercard Cards outside EEA: 2.20%; Visa / Mastercard Business Cards: 2.20%; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Zwitserland | Domestic Debit Cards: 0.65% + CHF 0.05; Domestic Credit Cards: 0.95% + CHF 0.05; Visa / Mastercard Card within EEA: 1.50% + CHF 0.10; Visa / Mastercard Cards outside EEA: 2.50% + CHF 0.20; Visa / Mastercard Business Cards: 2.50% + CHF 0.20; Unattended scenarios: IC++ 1.50% + CHF 0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Duitsland | Domestic Debit Cards: 0.55% + €0.05; Domestic Credit Cards: 0.65% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Denemarken | Domestic Debit Cards: 0.60% + DKK 0.40; Domestic Credit Cards: 0.70% + DKK 0.40; Visa / Mastercard Card within EEA: 1.20% + DKK 0.40; Visa / Mastercard Cards outside EEA: 1.60% + DKK 1.20; Visa / Mastercard Business Cards: 2.50% + DKK 1.20; Unattended scenarios: IC++ 1.50% + DKK 1.00Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Spanje | Interchange plus plus, service fee excluding interchange and scheme fees: Domestic Debit Cards: 0.40%; Domestic Credit Cards: 0.40%; Visa / Mastercard Card within EEA: 0.40%; Visa / Mastercard Cards outside EEA: 0.90%; Visa / Mastercard Business Cards: 0.90%; minimum €0.04 per transaction; Unattended scenarios: IC++ 1.50% + €0.15Interchange plus plus, met minimum | In de winkel |
| YabandPay Merchants overal in de EU | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Finland | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Frankrijk | Domestic Debit Cards: 0.55% + €0.05; Domestic Credit Cards: 0.65% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Italië | Domestic Debit Cards, Classic: 0.65%; Domestic Debit Cards, Business: 0.95%; Domestic Debit Cards, Start: 1.45%; Visa / Mastercard Card within EEA, Classic: 1.19%; Visa / Mastercard Card within EEA, Business: 0.95%; Visa / Mastercard Card within EEA, Start: 1.45%; Visa / Mastercard Cards outside EEA, Classic: 1.99%; Visa / Mastercard Cards outside EEA, Business: 1.60%; Visa / Mastercard Cards outside EEA, Start: 1.45%; Visa / Mastercard Business Cards, Classic: 1.99%; Visa / Mastercard Business Cards, Business: 2.49%; Visa / Mastercard Business Cards, Start: 1.99%; Unattended scenarios: IC++ 1.50% + €0.15Percentage, gestaffeld | In de winkel |
| YabandPay Merchants in Luxemburg | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag | In de winkel |
| YabandPay Merchants in Nederland | Domestic Debit Cards, No minimum transaction volume: €0.07; Domestic Debit Cards, Minimum monthly fee: €90 (includes 1,500 transactions, each additional transaction €0.06): €0.06; Domestic Credit Cards: 1.30%; Visa / Mastercard Card within EEA: 1.30%; Visa / Mastercard Cards outside EEA: 2.20%; Visa / Mastercard Business Cards: 2.20%; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus vast bedrag, plus abonnement, gestaffeld | In de winkel |
Bron: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Bij de bron gelezen tussen 19 september 2026 en 12 oktober 2026. Een aanbieder die meent dat een rij niet klopt, kan schrijven naar index@ecomstream.nl. Elke gemelde correctie wordt bij de bron gecontroleerd.
Licenties
Uw acquirer hoeft niet in uw eigen land te zitten
Artikel 6 van Verordening (EU) 2015/751 haalt een beperking weg waar de meeste merchants nog steeds naar handelen. Elke territoriale beperking binnen de Unie, of regel met gelijkwaardig effect, in een licentieovereenkomst of in de regels van een kaartscheme voor het uitgeven van kaarten of het acquireren van kaartbetalingen is verboden. Datzelfde geldt voor elke eis om een landspecifieke vergunning te hebben om grensoverschrijdend te opereren.
In gewone taal: een acquirer met een licentie in de ene lidstaat mag uw transacties in een andere acquireren, en het scheme mag daar niet tussen gaan staan. De markt waarin u mag contracteren is de Europese Economische Ruimte en niet uitsluitend het eigen land.
Dat is wat een benchmark de moeite waard maakt. Was uw laatste vergelijking er een tegen de twee of drie acquirers die in uw land bij merchants langskomen, dan heeft u een fractie van het veld vergeleken, en dat veld is wezenlijk groter dan wat de meeste merchants werkelijk uitvragen. Het verbreden ervan vraagt geen verhuizing van uw bedrijf of uw bankrekening.
Uw kaartacceptatiekosten tegen het licht houden
Wat u betaalt staat in uw acquiring-contract en niet bij het scheme. Begin met de vraag of u te veel betaalt aan uw PSP, of ga direct naar het verlagen van uw PSP-kosten, waar interchange, scheme fees en markup uit elkaar worden gehaald voordat er iets onderhandeld wordt.
Relevante markten: Europa, wereldwijd
Payment set-up check
Wilt u weten of u het juiste tarief betaalt op uw Visa Debit-volume?
Vul het adres van uw webshop in. De check legt uw checkout naast wat shoppers in elk van uw markten verwachten en noemt wat ontbreekt. Als u wilt, dan rekent de check daarna uit wat u dat in euro's kost.
Ramon Helwegen
