Accepting Apple Pay as a merchant
Apple Pay is a tokenised wallet sitting on top of the card networks. The card number never reaches you; a device token does. For merchants the important consequences are not about the tap but about fraud liability, authorisation quality and, in Europe, a regulatory shift that has changed who else can offer the same experience.
Published prices for Apple PayPer provider, country and channel, further down this pageGo to the pricesHow to accept Apple Pay as a merchant
You enable Apple Pay through your PSP or gateway. Underneath it remains a Visa or Mastercard transaction carried by your existing acquiring relationship, which is why integration is quick and why the commercial questions deserve the attention instead. Device tokens generally authorise better than keyed card entry, and for Mastercard device tokens fraud liability sits with the issuer.
Authentication
Why a wallet clears authentication in one gesture
Strong customer authentication has a precise definition. Article 4 of Commission Delegated Regulation (EU) 2018/389 requires it to be based on two or more elements categorised as knowledge, possession and inherence, and to result in the generation of an authentication code.
A device wallet supplies two of those at once. The provisioned device is possession, the fingerprint or the face is inherence, and the customer performs both in a single gesture they already make to unlock the phone. Article 9 requires the elements to be independent enough that the breach of one does not compromise the reliability of the others, and Article 9(3)(a) sets out how a multi-purpose device satisfies that, through separated secure execution environments in the software installed inside the device. That provision is the reason a phone is allowed to carry both elements at all.
This is where the authorisation uplift actually comes from, and it is worth being precise about it. A wallet transaction is not fairly compared against an unauthenticated card transaction. It is compared against a card transaction that had to be challenged, and the difference between those two flows is the step your customer never had to take. Measure the wallet against your 3D Secure challenge rate rather than against overall card conversion, and the number you get is one you can act on.
Access
Apple no longer has exclusive access to the iPhone NFC chip in the EEA
On 11 July 2024 the European Commission made Apple’s commitments legally binding under EU antitrust rules, requiring Apple to give third-party wallet developers free access to the NFC input on iOS through host card emulation, without going through Apple Pay or Apple Wallet, across the European Economic Area for ten years. The commitments also removed the requirement for developers to hold a payment institution licence, and opened access to Face ID, double-click initiation and default wallet settings on fair and non-discriminatory terms. Under Article 6(7) of the Digital Markets Act the interoperability obligation applies more broadly.
What that opening has produced so far
Vipps MobilePay became the first third-party wallet to enable contactless payments on iPhone after the opening, in December 2024, and PayPal launched tap to pay on iPhone in Germany in May 2025. Wero has stated an intention to support in-store NFC payments. The practical merchant consequence is that the wallet layer at the point of sale is becoming contested rather than singular, and a consultancy estimate from Oliver Wyman puts Apple Pay at around 35 per cent of non-cash point of sale transactions in certain advanced European markets. Where that share goes next affects who sits between you and your customer.
Exemptions
The exemption maths changes when authentication is free
Exemptions exist because authentication costs conversion. The same regulation sets them out and the amounts are specific. Article 11 exempts a contactless transaction at the point of sale where the individual amount does not exceed EUR 50, provided the cumulative amount since the last strong customer authentication stays under EUR 150 or the number of consecutive transactions stays under five.
Online, Article 16 exempts a remote transaction of no more than EUR 30, with a cumulative limit of EUR 100 or five consecutive transactions. Article 18 adds transaction risk analysis, where the exemption threshold rises to EUR 100, EUR 250 or EUR 500 depending on the reference fraud rate achieved, which for card-based payments runs from 0.13 per cent down to 0.01 per cent.
Read those together and the wallet case sharpens. An exemption buys conversion by removing a step, and it moves the fraud loss to the party that removed it. On a wallet the step costs the customer almost nothing, so there is far less conversion to buy and far less reason to take on the loss. The exemption policy that makes sense on keyed card entry is not the one that makes sense on wallet volume, and most merchants run a single policy across both.
Cost
A wallet adds a party, it does not remove one
Underneath the button the transaction is still a card transaction on your existing acquiring relationship, so interchange and scheme fees are unchanged. What the wallet adds is a layer, and layers get priced.
The question to put to your provider is therefore narrow. What does wallet volume cost, and is the card cost underneath passed through or blended into the same average as everything else? Under a blend the two cannot be separated, so a rise in wallet share and a rise in your effective rate look identical on the statement even when only one of them happened.
The second question is about data rather than price. Ask whether your provider reports which tokenised transactions were eligible for liability shift. That figure moves your chargeback line, it is already being calculated somewhere in the chain, and it costs nothing to ask for.
Which payment provider supports Apple Pay?
Adyen, Checkout.com, Stripe, Mollie, Unzer, Saferpay and Worldline all document Apple Pay, among others, and so does every other provider of consequence, so ask instead what you pay on wallet volume, whether the card cost underneath is passed through or blended, and whether your provider reports liability shift eligibility on tokenised transactions. A wallet does not remove interchange; it adds a party.
Retail Payment Methods Transparency Index
Published prices for Apple Pay, per provider
109 providers in the index offer Apple Pay to merchants established in Europe, and 32 of them publish a price.
Each rate is shown as the provider prints it; the provider's name links to its price page on this site where there is one, with the source of every rate.
The country where your business is established and from which you sell. Shoppers pay with Apple Pay in 42 countries.
Channel
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| ABANCA Merchants in Spain | No price published | Online |
| Adyen Merchants anywhere in the EU | Global: €0.11 + the rate of the card used applies; Visa, Mastercard, Maestro: €0.11 + Interchange+ + 0.60%; American Express: North America €0.11 + 3.30% + USD 0.10, Global €0.11 + 3.95%; Diners Club: €0.11 + 3.95% (Interchange++ pricing applies in specific situations); Discover: €0.11 + 3.95%; JCB: €0.11 + 3.75%; UnionPay: €0.11 + 3%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in the United Kingdom | Global: £0.11 + the rate of the card used applies; Visa, Mastercard, Maestro: £0.11 + Interchange+ + 0.60%; American Express: North America £0.11 + 3.30% + USD 0.10, Global £0.11 + 3.95%; Diners Club: £0.11 + 3.95% (Interchange++ pricing applies in specific situations); Discover: £0.11 + 3.95% (Interchange++ pricing applies in specific situations); JCB: £0.11 + 3.75% (Interchange++ pricing applies in specific situations); UnionPay: £0.11 + 3%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Norway | Global: €0.11 + the rate of the card used applies; Visa, Mastercard, Maestro: €0.11 + Interchange+ + 0.60%; American Express: North America €0.11 + 3.30% + USD 0.10, Global €0.11 + 3.95%; Diners Club: €0.11 + 3.95% (Interchange++ pricing applies in specific situations); Discover: €0.11 + 3.95%; JCB: €0.11 + 3.75%; UnionPay: €0.11 + 3%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Poland | Global: €0.11 + the rate of the card used applies; Visa, Mastercard, Maestro: €0.11 + Interchange+ + 0.60%; American Express: North America €0.11 + 3.30% + USD 0.10, Global €0.11 + 3.95%; Diners Club: €0.11 + 3.95% (Interchange++ pricing applies in specific cases); Discover: €0.11 + 3.95%; JCB: €0.11 + 3.75%; UnionPay: €0.11 + 3%Processing fee + Interchange plus plus | Online and in-store |
| Aera Merchants in Norway | No price published | Online |
| Aera Merchants in Norway | No price published | In-store |
| Airwallex Merchants anywhere in the EU | From 1.30% + €0.25Percentage plus fixed amount | Online |
| Airwallex Merchants in the United Kingdom | No price published | Online |
| Airwallex Merchants in the United Kingdom | No price published | In-store |
| Airwallex Merchants in Norway | No price published | Online |
| Antom (Ant International) Merchants in Belgium | No price published | Online |
| Antom (Ant International) Merchants anywhere in the EU | No price published | Online |
| Antom (Ant International) Merchants in the United Kingdom | No price published | Online |
| Antom (Ant International) Merchants in Italy | No price published | Online |
| Antom (Ant International) Merchants in the Netherlands | No price published | Online |
| Antom (Ant International) Merchants in Norway | No price published | Online |
| Autopay Merchants in Poland | No price published | Online |
| Axepta BNP Paribas Merchants in Belgium | No price published | In-store |
| Axepta BNP Paribas Merchants in France | No price published | Online |
| Axepta BNP Paribas Merchants in France | No price published | In-store |
| Axerve Merchants in Italy | No price published | Online |
| Axerve Merchants in Italy | 1.00%; no monthly fee; terminal purchase €99 + VAT (one-off); activation stamp duty €16 (one-off)Percentage | In-store |
| Banco Sabadell Merchants in Spain | PAYCOMET: No price published | Online |
| Banco Sabadell Merchants in Spain | No price published | In-store |
| Barclaycard Payments Merchants in the United Kingdom | No price published | In-store |
| Barion Merchants in Hungary | No price published | Online |
| BBVA Merchants in Spain | No price published | Online |
| BlueSnap Merchants in Austria | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Belgium | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Bulgaria | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Czechia | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Germany | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Denmark | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Estonia | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Spain | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants anywhere in the EU | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Finland | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in France | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Greece | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Croatia | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Hungary | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Ireland | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Italy | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Lithuania | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Luxembourg | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Latvia | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Poland | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Portugal | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Romania | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Sweden | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Slovenia | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| BlueSnap Merchants in Slovakia | The rate of the card used applies: wallets included at no added cost, card processing fees apply (EU-issued V/MC consumer cards: 1.50% + €0.25; EU-issued V/MC commercial cards: 1.90% + €0.25; EU-issued American Express cards: 1.90% + €0.25; non-EU-issued cards: 3.45% + €0.25; uncaptured authorisations: €0.10); platform access fee €75 in any month with sales below €5,000 (waived for the first 6 months)Percentage plus fixed amount, plus subscription | Online |
| Buckaroo Merchants in Belgium | No price published | Online and in-store |
| Buckaroo Merchants in the Netherlands | The rate of the card used applies: Creditcards Consumers (EU): €0.25 + from 1.80%; Debitcards Consumers (EU): €0.25 + from 1.20%; Business + Non EU Cards: €0.25 + 2.80%; American Express: €0.25 + 2.90%Percentage plus fixed amount | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | No price published | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | No price published | In-store |
| Checkout.com Merchants in Austria | No price published | Online |
| Checkout.com Merchants in Belgium | No price published | Online |
| Checkout.com Merchants in Spain | No price published | Online |
| Checkout.com Merchants anywhere in the EU | No price published | Online |
| Checkout.com Merchants in France | No price published | Online |
| Checkout.com Merchants in the United Kingdom | No price published | Online |
| Checkout.com Merchants in the Netherlands | No price published | Online |
| Checkout.com Merchants in Norway | No price published | Online |
| Checkout.com Merchants in Poland | No price published | Online |
| Checkout.com Merchants in Portugal | No price published | Online |
| Citadele Merchants in Lithuania | EU/EEA bank cards, Apple Pay and Google Pay: from 1.30% min. €0.10; business cards and cards issued by non-EU/EEA banks, including Apple Pay and Google Pay: from 2% min. €0.20Percentage, with minimum | Online |
| Citadele Merchants in Latvia | EU/EEA cards, Apple Pay, Google Pay: 1.30% min. €0.10; business cards and non-EU/EEA issued cards (including Apple Pay/Google Pay): from 2.00% min. €0.20Percentage, with minimum | Online |
| CM.com Merchants in Belgium | The rate of the card used applies (Mastercard (low risk) 1.85%, VISA (low risk) 1.85%, American Express (Euro) 2.25%, Maestro 1.65%, V PAY 1.65%); processing fee €0.14; minimum invoice €50 per monthProcessing fee + Percentage, plus subscription | Online |
| CM.com Merchants in Belgium | The rate of the card used applies (prices for consumer cards): Maestro/Mastercard debit and V Pay/VISA debit: Netherlands €0.065; European Economic Area 0.80% + €0.06; outside the European Economic Area 1.60% + €0.12; Mastercard and VISA 1.60% + €0.12; American Express 2.10% + €0.06Processing fee + Percentage plus fixed amount | In-store |
| CM.com Merchants in Germany | Transaction fee 1.85%; processing fee €0.14Processing fee + Percentage | Online |
| CM.com Merchants in Spain | No price published | In-store |
| CM.com Merchants in France | No price published | Online |
| CM.com Merchants in the Netherlands | The rate of the card used applies (Mastercard (low risk) 1.85%, VISA (low risk) 1.85%, American Express (Euro) 2.25%, Maestro 1.65%, V PAY 1.65%); processing fee €0.14; minimum invoice €50 per monthProcessing fee + Percentage, plus subscription | Online |
| CM.com Merchants in the Netherlands | The rate of the card used applies (prices for consumer cards): Maestro/Mastercard debit and V Pay/VISA debit: Netherlands €0.065; European Economic Area 0.80% + €0.06; outside the European Economic Area 1.60% + €0.12; Mastercard and VISA 1.60% + €0.12; American Express 2.10% + €0.06Processing fee + Percentage plus fixed amount | In-store |
| Comercia Global Payments (CaixaBank) Merchants in Portugal | No price published | In-store |
| Comgate Merchants in Czechia | 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 fixed amount, plus subscription, tiered | Online |
| Comgate Merchants in Czechia | 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 fixed amount, plus subscription, tiered | In-store |
| Comgate Merchants in Slovakia | Start (merchants with a first card contract, payments up to €12,000): payments up to €2,000 a month free, above €2,000 a month 1% + €0, all card types; Easy: EU consumer debit and credit cards 0.60% + €0 (promotion, first 3 months or up to €40,000 of payments), regular rate 1% + €0; business and other cards issued in the EU and cards issued outside the EU 2% + €0; monthly fee free or €4 (free above €4,000 a month); Profi: EU consumer debit and credit cards 0.47% + €0.04 (promotion, first 3 months or up to €40,000 of payments), regular rate 0.67% + €0.04; business and other cards issued in the EU 2% + €0.04; consumer cards issued outside the EU 2.70% + €0.20; business and other cards issued outside the EU 3.40% + €0.20; monthly fee free or €4 (free above €4,000 a month); surcharge for card payments in a currency other than the merchant's home currency 0.15%Percentage plus fixed amount, tiered, plus subscription | Online |
| Commerz Globalpay Merchants in Germany | No price published | In-store |
| Computop Merchants in Germany | No price published | Online |
| Crédit Agricole (CAWL) Merchants in France | No price published | Online |
| Crédit Agricole (CAWL) Merchants in France | No price published | In-store |
| Crédit Mutuel (Monetico) Merchants in France | No price published | Online |
| Crédit Mutuel (Monetico) Merchants in France | No price published | In-store |
| dpay (Payments Lab) Merchants in Poland | No price published | Online |
| easypay Merchants in Portugal | No price published | Online |
| Elavon Merchants in Denmark | No price published | In-store |
| Elavon Merchants in Norway | No price published | In-store |
| Elavon Merchants in Poland | No price published | In-store |
| Elavon Merchants in Sweden | No price published | In-store |
| ePay Merchants in Denmark | No price published | Online |
| ePay Merchants in Norway | No price published | Online |
| ePay Merchants in Sweden | No price published | Online |
| epay (Euronet) Merchants in Germany | No price published | Online and in-store |
| epay (Euronet) Merchants in Greece | No price published | Online |
| epay (Euronet) Merchants in Greece | No price published | In-store |
| eService Merchants in Poland | No price published | Online |
| Eupago Merchants in Spain | €0.20 + 1%; +1% for cards issued outside the EEA; +1% for corporate cardsPercentage plus fixed amount | Online |
| Eupago Merchants in Portugal | €0.20 + 1.50%; additional 1.00% on the transaction amount for transactions made with cards issued outside the EEA; additional 1.00% on the transaction amount for transactions made with corporate (business) cardsPercentage plus fixed amount | Online |
| Eupago Merchants in Portugal | No price published | In-store |
| EuPlătesc Merchants in Romania | No price published | Online |
| Everypay Merchants in Greece | No price published | Online |
| Fibank Merchants in Bulgaria | No price published | Online |
| Finby (formerly TrustPay) Merchants anywhere in the EU | No price published | Online |
| First Cash Solution Merchants in Germany | No price published | Online |
| First Cash Solution Merchants in Germany | No price published | In-store |
| Fiserv (Clover) Merchants in Belgium | No price published | Online |
| Fiserv (Clover) Merchants in Germany | No price published | Online |
| Fiserv (Clover) Merchants in Germany | No price published | In-store |
| Fiserv (Clover) Merchants in the United Kingdom | AIB Merchant Services: No price published | Online |
| Fiserv (Clover) Merchants in Ireland | AIB Merchant Services: No price published | Online |
| Fiserv (Clover) Merchants in the Netherlands | The rate of the card used applies (Google Pay & Apple Pay: Depending on the payment card), per the webshop card rates on the same page: Maestro Domestic 1.40% + €0.155; V PAY Domestic 1.40% + €0.15; Maestro International 1.50% + €0.155; V PAY International 1.50% + €0.15; Debit Mastercard Domestic 1.40% + €0.155; Visa Debit Domestic 1.40% + €0.15; Debit Mastercard International 1.50% + €0.155; Visa Debit International 1.50% + €0.15; Mastercard credit card 2.40% + €0.155; Visa credit card 2.40% + €0.15; American Express: Amex fee + €0.15; UnionPay and JCB 2.95%; Diners and Discover 2.85% + €0.15; monthly service fee (webshop) €9.95Percentage plus fixed amount, plus subscription | Online |
| Fiserv (Clover) Merchants in the Netherlands | The rate of the card used applies (Google Pay & Apple Pay: Depending on the payment card), per the card rates on the same page: Maestro Domestic €0.074; V PAY Domestic €0.069; Maestro International 1.50% + €0.005; V PAY International 1.50%; Debit Mastercard Domestic €0.074; Visa Debit Domestic €0.069; Debit Mastercard International 1.50% + €0.005; Visa Debit International 1.50%; Mastercard credit card 1.20% + €0.005; Visa credit card from 1.20%; American Express 1.90%; UnionPay and JCB 2.95%; Diners and Discover 2.95%; minimum fee per credit card transaction €0.41; monthly service fee (physical location) €8.75Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Fiserv (Clover) Merchants in Poland | No price published | Online |
| Fiserv (Clover) Merchants in Austria | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Switzerland | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Czechia | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Denmark | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Spain | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in France | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in the United Kingdom | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Hungary | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Ireland | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Italy | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Luxembourg | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Norway | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Poland | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Portugal | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Sweden | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Slovenia | CCV: No price published | In-store |
| Fiserv (Clover) Merchants in Slovakia | CCV: No price published | In-store |
| Flatpay Merchants in Germany | No price published | Online |
| Getnet (Santander) Merchants in Portugal | No price published | In-store |
| Global Payments Merchants in Austria | No price published | Online |
| Global Payments Merchants in Austria | No price published | In-store |
| Global Payments Merchants anywhere in the EU | No price published | Online |
| Global Payments Merchants in the United Kingdom | No price published | In-store |
| Global Payments Merchants in Hungary | No price published | Online |
| Global Payments Merchants in Hungary | No price published | In-store |
| Global Payments Merchants in Romania | No price published | Online |
| Global Payments Merchants in Romania | No price published | In-store |
| Global Payments d.o.o. Merchants in Croatia | No price published | In-store |
| Global Payments s.r.o. Merchants in Czechia | No price published | Online |
| Global Payments s.r.o. Merchants in Czechia | No price published | In-store |
| Global Payments s.r.o. Merchants in Slovakia | No price published | Online |
| Global Payments s.r.o. Merchants in Slovakia | No price published | In-store |
| HiPay Merchants in Belgium | No price published | Online |
| HiPay Merchants in France | No price published | Online |
| HiPay Merchants in Italy | No price published | Online |
| HiPay Merchants in Portugal | No price published | Online |
| hobex Merchants in Austria | No price published | Online and in-store |
| hobex Merchants in Switzerland | No price published | Online |
| hobex Merchants in Germany | No price published | Online |
| hobex Merchants in Italy | No price published | Online |
| hobex Merchants in Slovenia | No price published | Online |
| HotPay Merchants in Poland | No price published | Online |
| IdoPay (IdoPayments sp. z o.o.) Merchants anywhere in the EU | No price published | Online |
| IdoPay (IdoPayments sp. z o.o.) Merchants in Poland | No price published | Online |
| ifthenpay Merchants anywhere in the EU | No price published | Online |
| ifthenpay Merchants in Norway | No price published | Online |
| ifthenpay Merchants in Portugal | No price published | Online |
| ING Merchants in Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tiered | Online |
| Intesa Sanpaolo Merchants in Slovakia | VÚB banka: No price published | In-store |
| KBC Merchants in Czechia | No price published | Online |
| KBC Merchants in Czechia | No price published | In-store |
| KBC Merchants in Hungary | No price published | Online |
| KBC Merchants in Slovakia | No price published | Online |
| La Banque Postale Merchants in France | No price published | Online |
| Lightspeed Payments Merchants in Spain | No price published | Online |
| Lightspeed Payments Merchants in Spain | No price published | In-store |
| Luminor Merchants in Estonia | MakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscription | Online |
| Luminor Merchants in Lithuania | No price published | Online |
| Luminor Merchants in Latvia | Visa, Mastercard, Apple Pay & Google Pay card payments: 1.50% + €0.15 (excl. VAT); registration and set-up freePercentage plus fixed amount | Online |
| Lyra Merchants in Germany | European 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 amount | Online |
| Lyra Merchants in France | European 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 subscription | Online |
| Mangopay Merchants anywhere in the EU | No price published | Online |
| Mangopay Merchants in the United Kingdom | No price published | Online |
| Mangopay Merchants in Norway | No price published | Online |
| Market Pay Merchants in France | No price published | In-store |
| Mollie Merchants in Austria | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Belgium | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Switzerland | Desktop table: The rate of the card used applies: EEA consumer cards 1.80% + €0.25; EEA commercial cards 2.90% + €0.25; non-EEA cards 3.25% + €0.25; mobile table: The rate of the card used applies: EEA consumer cards 1.20% + £0.20; EEA commercial cards 2.90% + £0.20; non-EEA cards 3.25% + £0.20Percentage plus fixed amount | Online |
| Mollie Merchants in Germany | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Denmark | The rate of the card used applies: Desktop table (DKK): Domestic consumer cards: 1.20% + DKK 1.80; EEA commercial cards: 2.90% + DKK 1.80; Non-EEA cards: 3.25% + DKK 1.80; EEA consumer cards: 1.80% + DKK 1.80. Mobile table (EUR): EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; Non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Spain | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; Non-EEA cards: 3.25% + €0.25; Domestic consumer cards: 1.20% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in France | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in the United Kingdom | The rate of the card used applies: UK domestic consumer cards: 1.20% + £0.20; UK domestic commercial and European cards: 2.90% + £0.20; all other cards: 3.25% + £0.20Percentage plus fixed amount | Online |
| Mollie Merchants in Italy | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; Non-EEA cards: 3.25% + €0.25; Domestic consumer cards: 1.20% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in the Netherlands | The rate of the card used applies: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Norway | The rate of the card used applies: Desktop table (NOK): EEA consumer cards: 1.80% + NOK 2.80; EEA commercial cards: 2.90% + NOK 2.80; Non-EEA cards: 3.25% + NOK 2.80; Domestic consumer cards: 1.20% + NOK 2.80. Mobile table (EUR): EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; Non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Poland | The rate of the card used applies: PLN price list: EEA consumer cards: 1.80% + PLN 1.00; EEA commercial cards: 2.90% + PLN 1.00; non-EEA cards: 3.25% + PLN 1.00; domestic consumer cards: 1.20% + PLN 1.00; EUR price list: EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Sweden | The rate of the card used applies: Desktop table (SEK): EEA consumer cards: 1.80% + SEK 2.80; EEA commercial cards: 2.90% + SEK 2.80; Non-EEA cards: 3.25% + SEK 2.80; Domestic consumer cards: 1.20% + SEK 2.80. Mobile table (EUR): EEA consumer cards: 1.80% + €0.25; EEA commercial cards: 2.90% + €0.25; Non-EEA cards: 3.25% + €0.25Percentage plus fixed amount | Online |
| MONEI Merchants in Spain | The rate of the card used applies (Apple Pay, Google Pay and Click to Pay are processed as card payments with no additional fee). Cards online: acquiring fee (all volumes): network fees + 0.10%; MONEI fee by monthly volume: €0–500K: 0.90% + €0.25; €500K–1M: 0.60% + €0.25; €1M–5M: 0.25% + €0.25; above €5M: 0.15% + €0.25; MONEI One platform fee: €0.15 per day (VAT exempt, invoiced only in weeks with at least one payment)Interchange plus plus, tiered, plus subscription | Online |
| Montonio Merchants in Estonia | The 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, tiered | Online |
| Montonio Merchants in Finland | Apple 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, tiered | Online |
| Montonio Merchants in Lithuania | The 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, tiered | Online |
| Montonio Merchants in Latvia | The 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, tiered | Online |
| Montonio Merchants in Poland | The 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 amount | Online |
| myPOS Merchants in Bulgaria | No price published | In-store |
| myPOS Merchants in Czechia | No price published | In-store |
| myPOS Merchants in Estonia | No price published | In-store |
| myPOS Merchants in Greece | No price published | In-store |
| myPOS Merchants in Croatia | No price published | In-store |
| myPOS Merchants in Hungary | No price published | In-store |
| myPOS Merchants in Lithuania | No price published | In-store |
| myPOS Merchants in Luxembourg | No price published | In-store |
| myPOS Merchants in Latvia | No price published | In-store |
| myPOS Merchants in Romania | No price published | In-store |
| myPOS Merchants in Slovenia | No price published | In-store |
| myPOS Merchants in Slovakia | No price published | In-store |
| Neopay Merchants in Lithuania | Standard plan (minimum monthly fee €9.99; where transaction fees exceed it, only the actual fees are paid): 1.29% + €0.15Percentage plus fixed amount, plus subscription | Online |
| NETOPIA Payments Merchants in Romania | No price published | Online |
| Nexi Merchants in Austria | No price published | Online |
| Nexi Merchants in Austria | No price published | In-store |
| Nexi Merchants in Switzerland | No price published | In-store |
| Nexi Merchants in Germany | Nexi Checkout Starter (up to €500,000 annual volume; €19 per month, €29 set-up), Visa, Mastercard, Apple Pay, Google Pay: service fee €0.20 per payment transaction and €0.20 per credit note; disagio 1.69% (consumer cards issued in the EEA), 2.99% (consumer cards issued outside the EEA), 2.79% (corporate cards issued in the EEA), 3.79% (corporate cards issued outside the EEA); Nexi Checkout Standard (from €500,000 annual volume; no monthly or set-up fee): service fee €0.15 per payment transaction and €0.15 per credit note; disagio 1.29%, 2.99%, 2.79% or 3.79% for the same card categoriesPercentage plus fixed amount, plus subscription, tiered | Online |
| Nexi Merchants in Germany | No price published | In-store |
| Nexi Merchants in Denmark | No price published | Online |
| Nexi Merchants in Denmark | No price published | In-store |
| Nexi Merchants in Finland | S plan: €0.50 per transaction + 3.25%; M plan: €0.50 per transaction + 3%; monthly fee: S plan €14.90, M plan €59 (+ 25.5% VAT on the monthly fee)Percentage plus fixed amount, plus subscription, tiered | Online |
| Nexi Merchants in Poland | Przelewy24: 1.29% + PLN 0.30; one-off activation fee PLN 59 (refunded after 10 transactions in the first two months); monthly subscription PLN 0Percentage plus fixed amount, plus subscription | Online |
| Nexi Merchants in Sweden | No price published | Online |
| Nexi Merchants in Sweden | No price published | In-store |
| NLB Merchants in Slovenia | No price published | In-store |
| Novalnet Merchants in Germany | €0.24 transaction fee + 1.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscription | Online |
| Novalnet Merchants in Germany | No price published | In-store |
| OnPay Merchants in Denmark | DKK 0.00; on top of the plan: other platforms: Start-up DKK 9.00 per month + DKK 1 per transaction (max. 100 transactions per month), Success DKK 149.00 per month + DKK 0.25 per transaction (300 free transactions per month); Dandomain webshop: Start-up DKK 0.00 per month, Success DKK 99.00 per month, same transaction pricesFixed amount, plus subscription, tiered | Online |
| OTP Bank Merchants in Bulgaria | DSK Bank: No price published | Online |
| OTP Bank Merchants in Hungary | SimplePay: No price published | Online |
| OTP Bank Merchants in Slovenia | No price published | Online |
| Pay. Merchants anywhere in the EU | The rate of the card used applies (online card rates include Apple Pay and Google Wallet): Mastercard and Visa, Professional €0.15 + 1.50%, Business €0.12 + 1.30% (Consumers EU: Professional €0.15 + 1.50%, Business €0.12 + 1.30%; Business cards & outside EU: Professional €0.15 + 2.80%, Business €0.12 + 2.80%); Maestro, Professional €0.15 + 1.50%, Business €0.12 + 1.50%; American Express, Professional €0.25 + 2.65%, Business €0.12 + 2.45%; special and high-risk segments on request; Pioneer (no monthly fee): Professional rates + €0.05 per transaction + 0.25% of turnover; Professional plan €35 per month; Business plan €89 per monthPercentage plus fixed amount, plus subscription, tiered | Online |
| Pay. Merchants in Norway | The rate of the card used applies (online card rates include Apple Pay and Google Wallet): Mastercard and Visa, Professional €0.15 + 1.50%, Business €0.12 + 1.30% (Consumers EU: Professional €0.15 + 1.50%, Business €0.12 + 1.30%; Business cards & outside EU: Professional €0.15 + 2.80%, Business €0.12 + 2.80%); Maestro, Professional €0.15 + 1.50%, Business €0.12 + 1.50%; American Express, Professional €0.25 + 2.65%, Business €0.12 + 2.45%; special and high-risk segments on request; Pioneer (no monthly fee): Professional rates + €0.05 per transaction + 0.25% of turnover; Professional plan €35 per month; Business plan €89 per monthPercentage plus fixed amount, plus subscription, tiered | Online |
| Paynovate Merchants in Belgium | No price published | In-store |
| Paynovate Merchants anywhere in the EU | No price published | In-store |
| Paynovate Merchants in Norway | No price published | In-store |
| PAYONE Merchants in Austria | No price published | Online |
| PAYONE Merchants in Austria | No price published | In-store |
| PAYONE Merchants in Germany | No price published | Online |
| PAYONE Merchants in Germany | No price published | In-store |
| PayPal Merchants in Austria | No price published | Online |
| PayPal Merchants in Belgium | No price published | Online |
| PayPal Merchants in Bulgaria | No price published | Online |
| PayPal Merchants in Czechia | No price published | Online |
| PayPal Merchants in Germany | No price published | Online |
| PayPal Merchants in Germany | No price published | In-store |
| PayPal Merchants in Denmark | No price published | Online |
| PayPal Merchants in Denmark | No price published | In-store |
| PayPal Merchants in Estonia | No price published | Online |
| PayPal Merchants in Spain | No price published | Online |
| PayPal Merchants in Spain | No price published | In-store |
| PayPal Merchants in Finland | No price published | Online |
| PayPal Merchants in Finland | No price published | In-store |
| PayPal Merchants in France | No price published | Online |
| PayPal Merchants in France | No price published | In-store |
| PayPal Merchants in the United Kingdom | No price published | Online |
| PayPal Merchants in the United Kingdom | No price published | In-store |
| PayPal Merchants in Greece | No price published | Online |
| PayPal Merchants in Hungary | No price published | Online |
| PayPal Merchants in Ireland | No price published | Online |
| PayPal Merchants in Italy | No price published | Online |
| PayPal Merchants in Italy | No price published | In-store |
| PayPal Merchants in Lithuania | No price published | Online |
| PayPal Merchants in Luxembourg | No price published | Online |
| PayPal Merchants in Latvia | No price published | Online |
| PayPal Merchants in the Netherlands | No price published | Online |
| PayPal Merchants in Norway | No price published | In-store |
| PayPal Merchants in Poland | No price published | Online |
| PayPal Merchants in Portugal | No price published | Online |
| PayPal Merchants in Romania | No price published | Online |
| PayPal Merchants in Sweden | No price published | Online |
| PayPal Merchants in Slovenia | No price published | Online |
| PayPal Merchants in Slovakia | No price published | Online |
| Payplug Merchants in Belgium | No price published | Online |
| Payplug Merchants in Germany | No price published | Online |
| Payplug Merchants in Spain | No price published | Online |
| Payplug Merchants anywhere in the EU | No price published | Online |
| Payplug Merchants anywhere in the EU | No price published | In-store |
| Payplug Merchants in France | No price published | Online |
| Payplug Merchants in France | No price published | In-store |
| Payplug Merchants in Italy | No price published | Online |
| Payplug Merchants in Norway | No price published | Online |
| Payrexx Merchants in Switzerland | Free (CHF 0 per month), Standard (CHF 19, 17 or 15 per month on a 1, 2 or 3-year term), Premium (CHF 49, 44 or 39 per month on a 1, 2 or 3-year term). Free: 2.50% + CHF 0.30; Standard: 1.65% + CHF 0.18; Premium: 1.35% + CHF 0.18; business and international credit cards: 3.40% + CHF 0.18 (wallets are charged the fees of the underlying card)Percentage plus fixed amount, plus subscription, tiered | Online |
| Payrexx Merchants in Switzerland | The rate of the card used applies: InStore (CHF 0 per month), card reader / Tap to Pay: debit cards 1.65% + CHF 0.15, credit cards 1.65% + CHF 0.15; InStore Better Fees (add-on CHF 9 per month): debit cards 0.95% + CHF 0.15, credit cards 1.25% + CHF 0.15; Omnichannel subscription: Free (CHF 0 per month), Tap to Pay: debit and credit cards 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: debit cards 0.95% + CHF 0.15, credit cards 1.25% + CHF 0.15; business and international credit cards in-store: 3.10% + CHF 0.15Percentage plus fixed amount, plus subscription, tiered | In-store |
| Pays Merchants in Czechia | Example rate: CZK 1 + 1.50%; transaction fees set individually by agreement in the range 0.60%–2.50%; one-off activation fee: CZK 600; monthly gateway fee: CZK 0Percentage plus fixed amount | Online |
| PayU Merchants in Poland | No price published | Online |
| PensoPay Merchants in Denmark | Apple & Google Pay add-on: DKK 0; available on BASIS (DKK 0 per month; DKK 4 per transaction + 1.25% for indløsning), START-UP (DKK 49 per month; DKK 1 per transaction + 1.25% for indløsning) and PRO (DKK 129 per month; 250 transactions per month included, then DKK 0.25 per transaction; + 1.25% for indløsning); indløsning: cards issued in DK and EU/EEA 1.25%, cards issued outside EU/EEA 2.75%Percentage plus fixed amount, plus subscription, tiered | Online |
| Planet Pay Merchants in Poland | No price published | Online and in-store |
| Plati.Online Merchants in Romania | No price published | Online |
| PostePay Merchants in Italy | No price published | In-store |
| PostFinance Merchants in Switzerland | No price published | In-store |
| Qliro Merchants anywhere in the EU | No price published | Online |
| Qliro Merchants in Finland | No price published | Online and in-store |
| Qliro Merchants in Norway | No price published | Online |
| Qliro Merchants in Sweden | No price published | Online and in-store |
| Rabobank (Rabo Smart Pay) Merchants in the Netherlands | €0.00; Rabo OnlineKassa from €10.00 per month (excl. VAT, up to three webshops; extra webshop €3.60 per month)Fixed amount, plus subscription | Online |
| Raiffeisen Bank International Merchants in Croatia | RBA: No price published | Online |
| Raiffeisen Bank International Merchants in Slovakia | Tatra banka: No price published | Online |
| Raiffeisen Bank International Merchants in Slovakia | Tatra banka: No price published | In-store |
| REDUNIQ (UNICRE) Merchants in Portugal | No price published | In-store |
| Rootline Merchants in the Netherlands | No price published | Online |
| SEB Merchants in Estonia | No price published | Online |
| SEB Merchants in Lithuania | No price published | Online |
| SEB Merchants in Latvia | 1.50% (min. €0.13) for EEA cards; 2.50% (min. €0.13) for non-EEA cards; for e-shops with monthly turnover up to €10,000Percentage, with minimum | Online |
| select2pay Merchants in Austria | No price published | Online |
| Shopify Payments Merchants in Austria | No price published | Online |
| Shopify Payments Merchants in Belgium | No price published | Online |
| Shopify Payments Merchants in Bulgaria | No price published | Online |
| Shopify Payments Merchants in Switzerland | No price published | Online |
| Shopify Payments Merchants in Czechia | No price published | Online |
| Shopify Payments Merchants in Germany | No price published | Online |
| Shopify Payments Merchants in Denmark | No price published | Online |
| Shopify Payments Merchants in Estonia | No price published | Online |
| Shopify Payments Merchants in Spain | No price published | Online |
| Shopify Payments Merchants in Finland | No price published | Online |
| Shopify Payments Merchants in France | No price published | Online |
| Shopify Payments Merchants in the United Kingdom | No price published | Online |
| Shopify Payments Merchants in Greece | No price published | Online |
| Shopify Payments Merchants in Croatia | No price published | Online |
| Shopify Payments Merchants in Hungary | No price published | Online |
| Shopify Payments Merchants in Ireland | No price published | Online |
| Shopify Payments Merchants in Italy | No price published | Online |
| Shopify Payments Merchants in Lithuania | No price published | Online |
| Shopify Payments Merchants in Luxembourg | No price published | Online |
| Shopify Payments Merchants in Latvia | No price published | Online |
| Shopify Payments Merchants in the Netherlands | No price published | Online |
| Shopify Payments Merchants in Poland | No price published | Online |
| Shopify Payments Merchants in Portugal | No price published | Online |
| Shopify Payments Merchants in Romania | No price published | Online |
| Shopify Payments Merchants in Sweden | No price published | Online |
| Shopify Payments Merchants in Slovenia | No price published | Online |
| SIBS Merchants in Poland | No price published | Online |
| SIBS Merchants in Portugal | No price published | Online |
| SIBS Merchants in Romania | No price published | Online |
| Sipay Merchants in Spain | Service rate (Tarifa de servicio, not specified on the page) + €0.10; Basic plan (Tarifa básica): €15/month per terminal, up to €2,500 processed per month included, pay per use above that; Enterprise: custom pricing (IC++ model); prices indicative only (the invoiced amounts prevail)Percentage plus fixed amount, plus subscription | Online |
| Société Générale Merchants in France | No price published | Online |
| Stripe Merchants in Austria | No price published | Online |
| Stripe Merchants in Austria | No price published | In-store |
| Stripe Merchants in Belgium | No price published | Online |
| Stripe Merchants in Belgium | No price published | In-store |
| Stripe Merchants in Bulgaria | No price published | Online |
| Stripe Merchants in Czechia | No price published | Online |
| Stripe Merchants in Czechia | No price published | In-store |
| Stripe Merchants in Germany | No price published | Online and in-store |
| Stripe Merchants in Denmark | No price published | Online |
| Stripe Merchants in Denmark | No price published | In-store |
| Stripe Merchants in Estonia | No price published | Online |
| Stripe Merchants in Spain | No price published | Online and in-store |
| Stripe Merchants in Finland | No price published | Online |
| Stripe Merchants in Finland | No price published | In-store |
| Stripe Merchants in France | No price published | Online and in-store |
| Stripe Merchants in the United Kingdom | No price published | Online and in-store |
| Stripe Merchants in Greece | No price published | Online |
| Stripe Merchants in Croatia | No price published | Online |
| Stripe Merchants in Hungary | No price published | Online |
| Stripe Merchants in Ireland | No price published | Online |
| Stripe Merchants in Ireland | No price published | In-store |
| Stripe Merchants in Italy | No price published | Online |
| Stripe Merchants in Italy | No price published | In-store |
| Stripe Merchants in Lithuania | No price published | Online |
| Stripe Merchants in Luxembourg | No price published | Online |
| Stripe Merchants in Luxembourg | No price published | In-store |
| Stripe Merchants in Latvia | No price published | Online |
| Stripe Merchants in Poland | No price published | Online |
| Stripe Merchants in Portugal | No price published | Online and in-store |
| Stripe Merchants in Romania | No price published | Online |
| Stripe Merchants in Sweden | No price published | Online and in-store |
| Stripe Merchants in Slovenia | No price published | Online |
| Stripe Merchants in Slovakia | No price published | Online |
| Surfboard Payments Merchants in Denmark | No price published | Online and in-store |
| Surfboard Payments Merchants in Finland | No price published | Online and in-store |
| Surfboard Payments Merchants in Norway | No price published | Online and in-store |
| Surfboard Payments Merchants in Sweden | No price published | Online and in-store |
| Svea Merchants in Finland | €0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%Percentage plus fixed amount, plus subscription | Online |
| Svea Merchants in Sweden | No price published | Online |
| Swedbank Merchants in Denmark | No price published | Online |
| Swedbank Merchants in Denmark | No price published | In-store |
| Swedbank Merchants in Finland | No price published | Online |
| Swedbank Merchants in Lithuania | Card payments operation fee: from 2.00% + €0.10 (special offer: from 1.50% + €0.08); monthly fee from €0; Apple Pay and Google Pay are included in the card payment solution at no additional costPercentage plus fixed amount, plus subscription | Online |
| Swedbank Merchants in Lithuania | No price published | In-store |
| Swedbank Merchants in Latvia | EEA cards: 1.20% + €0.10; non-EEA cards: 2.30% + €0.10 (VAT applicable to the fixed part of the fee)Percentage plus fixed amount | Online |
| Swedbank Merchants in Latvia | No price published | In-store |
| Swedbank Merchants in Norway | No price published | In-store |
| Trust Payments Merchants anywhere in the EU | No price published | Online and in-store |
| Trust Payments Merchants in the United Kingdom | No price published | Online and in-store |
| UniCredit Merchants in Austria | No price published | In-store |
| UniCredit Merchants in Bulgaria | No price published | Online |
| UniCredit Merchants in Croatia | No price published | In-store |
| UniCredit Merchants in Hungary | No price published | Online |
| Unlimit Merchants in the United Kingdom | No price published | Online |
| Unzer Merchants in Austria | Clearhaus: No price published | Online |
| Unzer Merchants in Austria | No price published | In-store |
| Unzer Merchants in Belgium | Clearhaus: No price published | Online |
| Unzer Merchants in Bulgaria | Clearhaus: No price published | Online |
| Unzer Merchants in Switzerland | Clearhaus: No price published | Online |
| Unzer Merchants in Czechia | Clearhaus: No price published | Online |
| Unzer Merchants in Denmark | Quickpay: Apple Pay: gateway DKK 0.00; the rate of the card used applies (Visa and Mastercard through Quickpay: acquirer from 1.35% (min. DKK 0.75) + DKK 0.22); Merchant plan: DKK 99 / month, DKK 0.25 / transactionPercentage plus fixed amount, plus subscription, with minimum | Online |
| Unzer Merchants in Estonia | Clearhaus: No price published | Online |
| Unzer Merchants in Spain | Clearhaus: No price published | Online |
| Unzer Merchants anywhere in the EU | No price published | Online and in-store |
| Unzer Merchants in Finland | Clearhaus: No price published | Online |
| Unzer Merchants in France | Clearhaus: No price published | Online |
| Unzer Merchants in the United Kingdom | Clearhaus: No price published | Online |
| Unzer Merchants in Greece | Clearhaus: No price published | Online |
| Unzer Merchants in Croatia | Clearhaus: No price published | Online |
| Unzer Merchants in Hungary | Clearhaus: No price published | Online |
| Unzer Merchants in Ireland | Clearhaus: No price published | Online |
| Unzer Merchants in Italy | Clearhaus: No price published | Online |
| Unzer Merchants in Lithuania | Clearhaus: No price published | Online |
| Unzer Merchants in Luxembourg | Clearhaus: No price published | Online |
| Unzer Merchants in Luxembourg | No price published | In-store |
| Unzer Merchants in Latvia | Clearhaus: No price published | Online |
| Unzer Merchants in the Netherlands | Clearhaus: No price published | Online |
| Unzer Merchants in Norway | Quickpay: Apple Pay: gateway NOK 0.00; the rate of the card used applies (Visa and Mastercard through Quickpay: acquirer from 1.35% (min. NOK 0.80) + NOK 0.29); Merchant plan: NOK 99 / month, NOK 0.50 / transaction; set-up fee NOK 0.00Percentage plus fixed amount, plus subscription, with minimum | Online |
| Unzer Merchants in Norway | No price published | In-store |
| Unzer Merchants in Poland | Clearhaus: No price published | Online |
| Unzer Merchants in Portugal | Clearhaus: No price published | Online |
| Unzer Merchants in Romania | Clearhaus: No price published | Online |
| Unzer Merchants in Sweden | Quickpay: Apple Pay: gateway SEK 0.00; the rate of the card used applies (Visa and Mastercard through Quickpay: acquirer from 1.35% (min. SEK 1.05) + SEK 0.31); Merchant plan: SEK 99 / month, SEK 0.50 / transactionPercentage plus fixed amount, plus subscription, with minimum | Online |
| Unzer Merchants in Slovenia | Clearhaus: No price published | Online |
| Unzer Merchants in Slovakia | Clearhaus: No price published | Online |
| Verifone Merchants in Germany | No price published | In-store |
| Vert Merchants in Germany | No price published | In-store |
| Visma Pay Merchants in Finland | No price published | Online |
| Viva.com Merchants in Austria | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); Online: 2.19% + €0.10 (domestic and EEA consumer cards); interchange + scheme fees + 1.90% + €0.10 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.10 online (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; in-store local consumer debit cards: 0.45%; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Belgium | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); Online: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.24 online (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Bulgaria | Card rates apply: 2.19% + €0.13 / BGN 0.25 (domestic consumer cards); interchange + scheme fees + 1.90% + €0.13 / BGN 0.25 (business, European, UK and international cards); American Express: 2.95% + €0.13 / BGN 0.25 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99 / BGN 9.76), Default €4.99 / BGN 9.76, Standard €12.99 / BGN 25.40, Premium €19.99 / BGN 39.10Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Bulgaria | Card rates apply: 1.69% (domestic consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum €0.03 (BGN 0.06) per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99 / BGN 9.76), Default €4.99 / BGN 9.76, Standard €12.99 / BGN 25.40, Premium €19.99 / BGN 39.10Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Czechia | Card rates apply: 2.19% + CZK 10 (domestic consumer cards); interchange + scheme fees + 2.06% + CZK 10 (business, European, UK and international cards); American Express: 2.95% + CZK 10 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge CZK 123.50), Default CZK 123.50, Standard CZK 321, Premium CZK 494Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Czechia | Card rates apply: 1.69% (domestic consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum CZK 0.72 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge CZK 123.50), Default CZK 123.50, Standard CZK 321, Premium CZK 494Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Germany | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.15% (business, European, UK and international cards); Online: 2.19% + €0.10 (domestic and EEA consumer cards); interchange + scheme fees + 2.00% + €0.10 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.10 online (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; in-store local consumer debit cards: 0.85%; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Denmark | Card rates apply. In-store: 1.69% (domestic consumer cards); interchange + scheme fees + 1.30% (business, European, UK and international cards); Online: 2.19% + DKK 0.50 (domestic consumer cards); interchange + scheme fees + 1.90% + DKK 0.50 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + DKK 0.50 online (plus 0.40% for cards issued outside the EEA); minimum DKK 0.24 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge DKK 37), Default DKK 37, Standard DKK 97, Premium DKK 148Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Estonia | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Estonia | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Spain | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); Online: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.24 online (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Finland | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 3.75% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Finland | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); American Express: 2.95% (plus 0.40% for cards issued outside the EEA); 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 plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in France | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); Online: 2.19% + €0.18 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.18 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.18 online (plus 0.40% for cards issued outside the EEA); minimum €0.10 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in the United Kingdom | Card rates apply: 2.19% + £0.24 (UK consumer cards); interchange + scheme fees + 2.06% + £0.24 (business, European, UK and international cards); American Express: 2.95% + £0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge £3.99), Default £3.99, Standard £10.99, Premium £15.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in the United Kingdom | Card rates apply: 1.69% (UK consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.65% (plus 0.40% for cards issued outside the EEA); minimum £0.01 (£0.10 for Viva.com Terminal users) per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge £3.99), Default £3.99, Standard £10.99, Premium £15.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Greece | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 3.75% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Greece | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.95% (plus 0.40% for cards issued outside the EEA); 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 plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Croatia | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Croatia | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); 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 plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Hungary | Card rates apply: 2.19% + HUF 89 (domestic consumer cards); interchange + scheme fees + 2.00% + HUF 89 (business, European, UK and international cards); American Express: 2.95% + HUF 89 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge HUF 1,950), Default HUF 1,950, Standard HUF 4,990, Premium HUF 7,690Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Hungary | Card rates apply: 1.69% (domestic consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum HUF 12 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge HUF 1,950), Default HUF 1,950, Standard HUF 4,990, Premium HUF 7,690Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Ireland | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Ireland | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); 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 plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Italy | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); Online: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); PagoBancomat in-store: 1.09% (domestic consumer cards, minimum €0.05 per transaction); American Express: 2.75% in-store, 2.95% + €0.24 online (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Lithuania | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Lithuania | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Luxembourg | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Luxembourg | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); 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 plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Latvia | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Latvia | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in the Netherlands | Card rates apply. In-store: 1.69% (domestic and European consumer cards: Mastercard, Maestro, Diners, Discover); interchange + scheme fees + 1.16% (domestic and EEA commercial, European, UK and international cards: Visa, Mastercard, Maestro); Online: 2.19% + €0.24 (domestic and European consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.24 online (plus 0.40% for cards issued outside the EEA); minimum €0.01 (€0.10 for Viva.com Terminal users) per in-store transaction; In-person and ecommerce monthly plans: Zero €0.00 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Norway | Card rates apply. In-store: Norwegian consumer cards: 1.69% (min. NOK 0.36); other cards: interchange + scheme fees + 1.30%; Online: Norwegian consumer cards: 2.19% + NOK 1.80; other cards: interchange + scheme fees + 1.90% + NOK 1.80; American Express: 2.75% in-store, 2.95% + NOK 1.80 online (plus 0.40% for cards issued outside the EEA); minimum NOK 0.36 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge NOK 58), Default NOK 58, Standard NOK 150, Premium NOK 232Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Poland | Card rates apply. In-store: 1.69% (domestic consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); Online: 2.19% + PLN 0.24 (domestic consumer cards); interchange + scheme fees + 1.20% + PLN 0.24 (business, European, UK and international cards); American Express: 2.95% in-store, 2.95% + PLN 0.24 online (plus 0.40% for cards issued outside the EEA); minimum PLN 0.15 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge PLN 22), Default PLN 22, Standard PLN 58, Premium PLN 88Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Portugal | Card rates apply. In-store: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); Online: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + €0.24 online (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person and ecommerce monthly plans: Zero €0.00 (minimum monthly charge €4.99), Base €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Romania | Card rates apply: domestic consumer cards 2.19% + RON 0.3; commercial, European, UK and international cards: interchange + scheme fees + 2.06% + RON 0.3; American Express: 2.95% + RON 0.3 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero RON 0 (minimum monthly charge RON 25), Default RON 25, Standard RON 65, Premium RON 100Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Romania | Card rates apply: 1.69% (domestic consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum RON 0.15 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge RON 25), Default RON 25, Standard RON 65, Premium RON 100Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Sweden | Card rates apply. In-store: 1.69% (domestic consumer cards); interchange + scheme fees + 0.99% (business, European, UK and international cards); Online: 2.19% + SEK 1.80 (domestic consumer cards); interchange + scheme fees + 1.90% + SEK 1.80 (business, European, UK and international cards); American Express: 2.75% in-store, 2.95% + SEK 1.80 online (plus 0.40% for cards issued outside the EEA); minimum SEK 0.36 per in-store transaction; In-person and ecommerce monthly plans: Zero 0 (minimum monthly charge SEK 58), Default SEK 58, Standard SEK 150, Premium SEK 232Percentage plus fixed amount, with minimum, plus subscription | Online and in-store |
| Viva.com Merchants in Slovenia | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Slovenia | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Slovakia | Card rates apply: 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); American Express: 2.95% + €0.24 (plus 0.40% for cards issued outside the EEA); Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Slovakia | Card rates apply: 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); American Express: 2.75% (plus 0.40% for cards issued outside the EEA); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €13.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| VR Payment Merchants in Germany | No price published | Online |
| VR Payment Merchants in Germany | No price published | In-store |
| wallee Merchants in Switzerland | No price published | Online |
| Windcave Merchants in the United Kingdom | No price published | Online |
| Windcave Merchants in Ireland | No price published | Online |
| Windcave Merchants in Lithuania | No price published | Online |
| Worldline Merchants in Austria | No price published | Online |
| Worldline Merchants in Switzerland | No price published | Online |
| Worldline Merchants in Switzerland | No price published | In-store |
| Worldline Merchants in Czechia | No price published | Online |
| Worldline Merchants in Czechia | No price published | In-store |
| Worldline Merchants in Germany | No price published | Online |
| Worldline Merchants in Germany | No price published | In-store |
| Worldline Merchants in Denmark | No price published | Online |
| Worldline Merchants in Denmark | No price published | In-store |
| Worldline Merchants in Spain | No price published | Online |
| Worldline Merchants in Finland | No price published | Online |
| Worldline Merchants in Finland | No price published | In-store |
| Worldline Merchants in Greece | No price published | Online |
| Worldline Merchants in Greece | No price published | In-store |
| Worldline Merchants in Croatia | No price published | Online |
| Worldline Merchants in Croatia | No price published | In-store |
| Worldline Merchants in Hungary | No price published | Online |
| Worldline Merchants in Hungary | No price published | In-store |
| Worldline Merchants in Italy | No price published | In-store |
| Worldline Merchants in Luxembourg | No price published | Online |
| Worldline Merchants in Luxembourg | No price published | In-store |
| Worldline Merchants in Poland | GoPay: No price published | Online |
| Worldline Merchants in Sweden | No price published | Online |
| Worldline Merchants in Slovenia | No price published | Online and in-store |
| Worldline Merchants in Slovakia | No price published | Online |
| Worldline Merchants in Slovakia | No price published | In-store |
| YabandPay Merchants in Austria | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Belgium | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Switzerland | The rate of the card used applies: Consumer Cards within EEA: 1.20% + CHF 0.20; Consumer Cards outside EEA: 3.20% + CHF 0.25; Business Cards: 3.20% + CHF 0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Germany | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Denmark | The rate of the card used applies: Consumer Cards within EEA: 1.20% + DKK 1.50; Consumer Cards outside EEA: 3.20% + DKK 2.00; Business Cards: 3.20% + DKK 2.00Percentage plus fixed amount | Online |
| YabandPay Merchants in Spain | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants anywhere in the EU | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Finland | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in France | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Italy | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Luxembourg | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in the Netherlands | The rate of the card used applies: Consumer Cards within EEA: 1.20% + €0.20; Consumer Cards outside EEA: 3.20% + €0.25; Business Cards: 3.20% + €0.25Percentage plus fixed amount | Online |
| YabandPay Merchants in Norway | No price published | Online |
| Yavin Merchants in Belgium | No price published | Online and in-store |
| Yavin Merchants in Switzerland | No price published | Online and in-store |
| Yavin Merchants in Spain | No price published | Online and in-store |
| Yavin Merchants in France | No price published | Online and in-store |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 17 September 2026 and 13 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what this costs you
What you pay is set in your PSP contract, not by the scheme. Start by establishing whether you are overpaying your PSP, or look at what payment performance optimisation does to authorisation rate and cardmix, which is where a wallet earns or costs you money.
Relevant markets: global
Payment set-up check
Want to know if your mobile checkout is set up for maximum conversion?
Enter your webshop URL. The check names what your checkout misses in each of your markets, from missing local payment methods to surcharges and methods that no longer exist, each point with the service that addresses it.
Ramon Helwegen
