Maestro is being retired: what merchants need to know
Maestro is on its way out. Mastercard stopped issuing Maestro-branded cards in Europe from 1 July 2023, and cards issued before that date continue to work only until they expire, which means 2027 at the latest. If Maestro still appears in your checkout or your terminal configuration, it is a shrinking share of a shrinking base.
Published prices for MaestroPer provider, country and channel, further down this pageGo to the pricesWhy Maestro is being replaced by Debit Mastercard
Maestro was designed in 1991 for the physical world. It was the first point of sale debit card usable internationally, and it was built before online shopping existed. That heritage is the problem: Maestro card numbers run to nineteen digits and many cards carry no CVV, which makes them awkward or impossible in card-not-present flows. Debit Mastercard resolves that by behaving like any other Mastercard, accepted wherever Mastercard is accepted, online and in store.
Terminals
What this means for your checkout and terminals
Acceptance of Debit Mastercard is not automatic on legacy configurations. Terminals and gateway settings built around Maestro may need updating, and the risk is an acceptance gap rather than a cost increase: a card presented that your setup does not recognise. Providers vary in how far ahead of this they are. Asking your acquirer to confirm Debit Mastercard readiness across every channel is a five-minute question with a conversion consequence.
Pricing
The pricing question nobody asks
Maestro and Debit Mastercard do not necessarily price the same way. A migration that happens silently in the card base can move volume from one rate to another without any change to your contract and without any notification. If your debit volume is material and you have not compared your effective rate before and after the migration, that comparison is worth running while there is still a before to compare against.
Reporting
The breakdown you are entitled to after every transaction
Article 12 of Regulation (EU) 2015/751 obliges the acquirer to provide the payee, after the execution of an individual card-based payment transaction, with the transaction reference, the amount in the currency of the payee’s account, and the amount of any charges, indicating separately the merchant service charge and the amount of the interchange fee.
It may be aggregated, but only on terms. With the payee’s prior and explicit agreement the information may be aggregated by brand, by application, by payment instrument category and by rate of interchange fee. Notice what even the aggregated version preserves: a split by brand and by category.
That is exactly the instrument a brand migration calls for. Volume moving from one debit brand to another shows up as a shift between brand lines. If your reporting only ever shows a single number, then either the aggregation you agreed to is coarser than the regulation describes, or nobody has asked for it. Both are fixable in one email.
Which markets are affected
The phase-out is Europe-focused, with Germany, Italy, the Netherlands, Belgium, Switzerland and Austria among the largest historic Maestro markets. Maestro continues in some non-European markets, so a merchant selling internationally may be running down Maestro in Europe while still accepting it elsewhere.
Acceptance
An unrecognised card is not a cost line, it is a lost order
The risk in a brand retirement is not that a rate goes up. It is that a card is presented and your configuration does not know what to do with it. That failure never appears in a payment cost report, because a transaction that did not happen has no cost.
Size it before deciding how urgent it is. On 200,000 debit transactions a year at an average order value of 45 euro, a 3 per cent share arriving on a card your estate does not accept is 6,000 transactions. If half of those customers do not retry on another method, that is 135,000 euro of revenue leaving without a trace. Put your own numbers in and the shape of the answer does not change.
The check is not a project. Ask your acquirer to confirm, per channel, that Debit Mastercard is accepted on every terminal profile, every gateway configuration and every stored-card flow you run. Then ask what happens today to a card your setup does not recognise. The second question is the one that produces the interesting answer.
Reviewing what card acceptance costs you
What you pay is set in your acquiring contract, not by the scheme. Start by establishing whether you are overpaying your PSP, or move straight to cutting your PSP costs, where interchange, scheme fees and markup are separated before anything is negotiated.
Relevant markets: Europe
Payment set-up check
Reviewing your European card acceptance setup? Let's make sure your PSP contract reflects the current landscape.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
Retail Payment Methods Transparency Index
Published prices for Maestro, per provider
66 providers in the index offer Maestro to merchants established in Europe, and 27 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 Maestro worldwide.
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 |
| ABANCA Merchants in Spain | No price published | In-store |
| Adyen Merchants in Germany | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Denmark | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Spain | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants anywhere in the EU | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in France | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in the United Kingdom | £0.11 + Interchange++ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Italy | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in the Netherlands | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Norway | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Poland | Global: €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Portugal | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | Online and in-store |
| Adyen Merchants in Sweden | €0.11 + Interchange+ + 0.60%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 |
| 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 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 | Online |
| Axepta BNP Paribas Merchants in France | No price published | Online |
| Axepta BNP Paribas Merchants in Luxembourg | No price published | Online |
| Axerve Merchants in Italy | Standard: 3.50% + €4; Standard, extra-EEA cards: additional 2%; IRF+: 2.78% + interchange fee; IRF+, extra-EEA cards: additional 2%; IRF++: 2.56% + interchange fee + scheme fees; transaction processing request fee: €0.50 + VAT per request; activation: €150 one-off per virtual point of sale; stamp duty: €16 one-offProcessing fee + Percentage plus fixed amount, tiered | 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 | 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 |
| Buckaroo Merchants in Belgium | No price published | Online |
| Buckaroo Merchants in the Netherlands | No price published | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | No price published | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | Mastercard, Maestro debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus fixed amount, tiered | In-store |
| card complete Merchants in Austria | No price published | In-store |
| Citadele Merchants in Lithuania | No price published | In-store |
| Citadele Merchants in Latvia | No price published | In-store |
| CM.com Merchants in Belgium | 1.65% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscription | Online |
| CM.com Merchants in Belgium | Maestro / Mastercard debit, prices for consumer cards: Netherlands: €0.065 processing fee; European Economic Area: 0.80% + €0.06 processing fee; outside the European Economic Area: 1.60% + €0.12 processing feeProcessing fee + Percentage plus fixed amount | In-store |
| CM.com Merchants in Germany | Transaction fee 1.65%; processing fee €0.14Processing fee + Percentage | Online |
| CM.com Merchants in France | No price published | Online |
| CM.com Merchants in the Netherlands | 1.65% payment method fee + €0.14 processing fee; minimum invoice €50 per monthProcessing fee + Percentage, plus subscription | Online |
| CM.com Merchants in the Netherlands | Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing feeProcessing fee + Percentage | In-store |
| Comgate Merchants in Czechia | No price published | Online |
| epay (Euronet) Merchants in Germany | No price published | Online and in-store |
| ePay.bg Merchants in Bulgaria | Cards issued by a bank in Bulgaria: 1.00% (one per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay/ Bcard debit, credit or prepaid card, but not less than €0.10; cards issued by a foreign bank outside the EEA: 2.00% (two per cent) of the value of each payment with a Mastercard/ Visa/ Maestro/ V Pay debit, credit or prepaid card, but not less than €0.10; interchange for Visa, V Pay, Mastercard and Maestro cards issued in the EU/EEA: personal debit and prepaid 0.20%, personal credit 0.30%, corporate/business up to 2%; scheme fee for all card transactions with cards issued by payment service providers in the EU and EEA: 0.35% (as at the date of the contract); annual fee for opening and maintaining the 3D terminal (ePay World): €81.81 (first year prorated at €7.16 per month)Percentage, with minimum, plus subscription | Online |
| eService Merchants in Poland | No price published | Online |
| Everypay Merchants in Greece | Visa - MasterCard - Maestro: inside E.U. Personal 1.40% + €0.12; inside E.U. Business 2.95% + €0.12; outside E.U. Personal 2.95% + €0.22; outside E.U. Business 3.95% + €0.22Percentage plus fixed amount | Online |
| Everypay Merchants in Greece | Visa - MasterCard - Maestro: inside E.U. 1.30% + €0.14; outside E.U. 2.80% + €0.14; inside E.U. Business 2.20% + €0.14; outside E.U. Business 2.80% + €0.14; physical terminal: €270 + VAT purchase, €50 + VAT annual subscription; Soft POS: app free, €5.50 + VAT monthly subscriptionPercentage plus fixed amount, plus subscription | In-store |
| Fibank Merchants in Bulgaria | No price published | In-store |
| First Cash Solution Merchants in Germany | No price published | In-store |
| Fiserv (Clover) Merchants in Belgium | No price published | Online |
| Fiserv (Clover) Merchants in the Netherlands | Maestro domestic: 1.40% + €0.155; Maestro international: 1.50% + €0.155; monthly service fee (webshop) €9.95Percentage plus fixed amount, plus subscription | Online |
| Fiserv (Clover) Merchants in the Netherlands | Maestro domestic: €0.074; Maestro international: 1.50% + €0.005; monthly service fee (physical location) €8.75Percentage plus fixed amount, plus subscription | In-store |
| Fiserv (Clover) Merchants in Belgium | CCV: Consumer debit cards issued in the EEA, by number of transactions per month: 1–99: €0.240; 100–199: €0.188; 200–399: €0.140; 400–749: €0.116; 750–1,099: €0.100; 1,100–2,499: €0.082; above 2,500: €0.075; business debit cards worldwide: 1.60%Fixed amount, tiered | In-store |
| Fiserv (Clover) Merchants in the Netherlands | CCV: €0.068; CCV transaction processing €4.25 per terminal per monthFixed amount, plus subscription | In-store |
| Global Payments Merchants anywhere in the EU | No price published | Online |
| Global Payments Merchants in the United Kingdom | No price published | Online |
| Global Payments d.o.o. Merchants in Croatia | No price published | Online and in-store |
| HiPay Merchants in Belgium | No price published | Online |
| HiPay Merchants anywhere in the EU | No price published | Online |
| HiPay Merchants in France | No price published | Online |
| HiPay Merchants in Italy | No price published | Online |
| HiPay Merchants in Norway | No price published | Online |
| HiPay Merchants in Portugal | No price published | Online |
| hobex Merchants in Austria | No price published | Online |
| 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 |
| hobex Merchants in Slovenia | No price published | In-store |
| Hrvatska poštanska banka (HPB) Merchants in Croatia | No price published | Online and in-store |
| ING Merchants in Poland | Merchant fee: 1.40% of the transaction amount (includes interchange fee and scheme fees; Visa, Mastercard, Maestro cards); if foreign-card payments exceed 15% of the value of all transactions in a calendar month, the bank may raise the fee from the following month to interchange + scheme fee + 0.50% bank marginPercentage plus fixed amount | Online |
| ING Merchants in Poland | No price published | In-store |
| ING Merchants in Romania | No price published | In-store |
| Intesa Sanpaolo Merchants in Hungary | CIB Bank: No price published | In-store |
| Intesa Sanpaolo Merchants in Slovakia | VÚB banka: No price published | In-store |
| KBC Merchants in Bulgaria | UBB: No price published | Online |
| KBC Merchants in Bulgaria | UBB: No price published | In-store |
| KBC Merchants in Czechia | Mastercard scheme rows, which include Maestro (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 1.15% | 3.27%; non-EEA credit 1.50% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscription | Online |
| KBC Merchants in Czechia | Mastercard scheme rows, which include Maestro (interchange | scheme | processing): CZ debit 0.20% | 0.37% | 0.37% + CZK 0.50; CZ credit 0.30% | 0.37%; CZ business 1.45% | 0.37%; EEA debit 0.20% | 0.34%; EEA credit 0.30% | 0.34%; EEA business 1.25% | 0.34%; non-EEA debit 0.20% | 3.27%; non-EEA credit 0.30% | 3.27%; non-EEA business 2.00% | 3.27%; processing always 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscription | In-store |
| KBC Merchants in Hungary | No price published | In-store |
| LibraPay (Libra Internet Bank) Merchants in Romania | No price published | Online |
| Lightspeed Payments Merchants in Spain | No price published | In-store |
| Lyra Merchants in Germany | €0.20 + 1.40%; indicative rates for standard cards (Richtwerte für Standardkarten)Percentage plus fixed amount | 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 |
| Mollie Merchants in Belgium | No price published | Online and in-store |
| Mollie Merchants in Switzerland | No price published | Online |
| Mollie Merchants in Switzerland | No price published | In-store |
| Mollie Merchants in the Netherlands | Pay as you go (€0 per month, maximum one terminal): 1.50%; Pro (€20 per month, includes 1 terminal, €20 per month for each extra terminal): €0.06 + 0.20%Percentage plus fixed amount, plus subscription, tiered | In-store |
| myPOS Merchants in Bulgaria | No price published | Online |
| myPOS Merchants in Bulgaria | No price published | In-store |
| myPOS Merchants in Switzerland | No price published | Online |
| myPOS Merchants in Czechia | No price published | Online |
| myPOS Merchants in Czechia | No price published | In-store |
| myPOS Merchants in Germany | No price published | Online |
| myPOS Merchants in Germany | No price published | In-store |
| myPOS Merchants in Denmark | No price published | Online |
| myPOS Merchants in Estonia | No price published | Online |
| myPOS Merchants in Estonia | No price published | In-store |
| myPOS Merchants in Spain | No price published | Online |
| myPOS Merchants in Finland | No price published | Online |
| myPOS Merchants in the United Kingdom | No price published | Online |
| myPOS Merchants in the United Kingdom | No price published | In-store |
| myPOS Merchants in Greece | No price published | Online |
| myPOS Merchants in Greece | No price published | In-store |
| myPOS Merchants in Croatia | No price published | Online |
| myPOS Merchants in Croatia | No price published | In-store |
| myPOS Merchants in Hungary | No price published | Online |
| myPOS Merchants in Hungary | No price published | In-store |
| myPOS Merchants in Ireland | No price published | Online |
| myPOS Merchants in Ireland | No price published | In-store |
| myPOS Merchants in Italy | No price published | Online |
| myPOS Merchants in Italy | No price published | In-store |
| myPOS Merchants in Lithuania | No price published | Online |
| myPOS Merchants in Lithuania | No price published | In-store |
| myPOS Merchants in Luxembourg | No price published | Online |
| myPOS Merchants in Luxembourg | No price published | In-store |
| myPOS Merchants in Latvia | No price published | Online |
| myPOS Merchants in Latvia | No price published | In-store |
| myPOS Merchants in Norway | No price published | Online |
| myPOS Merchants in Poland | No price published | Online |
| myPOS Merchants in Poland | No price published | In-store |
| myPOS Merchants in Portugal | No price published | Online |
| myPOS Merchants in Portugal | No price published | In-store |
| myPOS Merchants in Romania | No price published | Online |
| myPOS Merchants in Romania | No price published | In-store |
| myPOS Merchants in Sweden | No price published | Online |
| myPOS Merchants in Slovenia | No price published | Online |
| myPOS Merchants in Slovenia | No price published | In-store |
| myPOS Merchants in Slovakia | No price published | Online |
| myPOS Merchants in Slovakia | No price published | In-store |
| NBG Pay Merchants in Greece | Maestro: cards issued by other institutions in Greece and the EU: debit 0.60%, corporate 1.85%; cards issued outside the EU: debit 1.30%, corporate 2.75%; POS terminal: wired free, wireless €9.90 per monthPercentage, plus subscription | In-store |
| Nexi Merchants in Austria | No price published | Online |
| Nexi Merchants in Switzerland | No price published | In-store |
| Nexi Merchants in Germany | No price published | Online |
| Nexi Merchants in Germany | No price published | In-store |
| Nexi Merchants in Denmark | No price published | Online |
| Nexi Merchants in Finland | No price published | Online |
| Nexi Merchants in Croatia | No price published | Online |
| Nexi Merchants in Italy | Non-differentiated: Consumer debit and consumer prepaid: intra-EEA up to €30: 3.99%, over €30: 4.00%, extra-EEA up to €30: 5.99%, over €30: 6.00%; Commercial: intra-EEA up to €30: 4.18%, over €30: 4.19%, extra-EEA up to €30: 6.18%, over €30: 6.19%; card-not-present surcharge: 2.00%; Unica (Visa/Mastercard, footnote (1) Maestro): up to €30: 6.18%, over €30: 6.19%, card-not-present surcharge: 2.00%; Differentiated (Nexi maximum fees; interchange and scheme fees added; on us domestic and not on us domestic, EEA and extra-EEA): Debit and prepaid: over €30: 3.49% + €1.84, up to €30: 3.46% + €1.64; Commercial: over €30: 3.99% + €2.83, up to €30: 3.96% + €2.63; Protection Plus programme: €2.50/month + €7.50 one-off per point of sale; Maestro not usable for mail and telephone ordersPercentage plus fixed amount, plus subscription, tiered | Online and in-store |
| Nexi Merchants in Poland | No price published | Online |
| Nexi Merchants in Sweden | No price published | Online |
| NLB Merchants in Slovenia | No price published | In-store |
| Novalnet Merchants in Germany | No price published | Online |
| novobanco Merchants in Portugal | Mastercard and Maestro: Consumer cards, domestic and EEA: Debit and Prepaid 0.90%, Credit 1.10%; consumer cards outside the EEA: Debit and Prepaid 2.35%, Credit 2.75%; business cards, domestic: Debit and Prepaid 2.00%, Credit 2.15%; Corporate (debit, prepaid and credit): 2.15%; business cards, EEA: Debit and Prepaid 2.15%, Credit 2.15%; business cards outside the EEA: Debit and Prepaid 2.95%, Credit 2.95%; Global Wholesale (credit): 2.95%; min €0.06 on every rate; fixed fee per transaction: €0.06Percentage plus fixed amount, with minimum | In-store |
| Numia Merchants in Italy | Standard: 6% + €2; Extra EEA surcharge (standard model): 3%; Interchange+: interchange + 6% + €2; Interchange++: interchange + scheme fees + 6% + €2; card-not-present surcharge: 3%; monthly minimum commission (international circuits): €200Percentage plus fixed amount, tiered | Online and in-store |
| OTP Bank Merchants in Bulgaria | DSK Bank: No price published | In-store |
| OTP Bank Merchants in Hungary | No price published | Online and in-store |
| Pagateq Merchants in Germany | No price published | Online |
| Pay. Merchants anywhere in the EU | Professional: €0.15 + 1.50%; Business: €0.12 + 1.50%; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthPercentage plus fixed amount, plus subscription, tiered | Online |
| Pay. Merchants anywhere in the EU | Terminal Payment NL, Professional: €0.07; Terminal Payment NL, Business: €0.065; Terminal Payment BE, Professional: €0.12; Terminal Payment BE, Business: €0.10; Terminal Payment EU, Professional: €0.15; Terminal Payment EU, Business: €0.12; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthFixed amount, plus subscription, tiered | In-store |
| Pay. Merchants in Norway | Professional: €0.15 + 1.50%; Business: €0.12 + 1.50%; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthPercentage plus 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 | In-store |
| PAYONE Merchants in Germany | 0.89% per transaction; setup fee (provision for 24 months, merchant account and online customer portal): from €19 one-off; no monthly fixed costs; with the payment app solution: minimum €0.15 per transactionPercentage, with minimum | In-store |
| PayPal Merchants in Germany | No price published | In-store |
| PayPal Merchants in the United Kingdom | Website Payments Pro, blended: 3.40% + fixed fee; Website Payments Pro, Interchange Plus: interchange + 2.90% + fixed fee; Virtual Terminal, blended: 2.90% + fixed fee; Virtual Terminal, Interchange Plus: interchange + 2.90% + fixed fee; fixed fee (Website Payments Pro blended and interchange pricing, including Virtual Terminal): £0.20 (GBP), €0.35 (EUR); international transactions: +1.29% (EEA), +1.99% (all other markets), not on interchange-based fees under Interchange Plus; Website Payments Pro (including Virtual Terminal) monthly fee: £20.00Percentage plus fixed amount, plus subscription | Online |
| Postbank (Eurobank Bulgaria) Merchants in Bulgaria | No price published | In-store |
| Postbank (Germany) Merchants in Germany | No price published | In-store |
| PostePay Merchants in Italy | Maestro debit cards: up to €5: domestic and intra-EEA 3.40% + €2.80, extra-EEA 4.50% + €3.80; above €5: domestic and intra-EEA 3.42% + €2.80, extra-EEA 4.52% + €3.80; Postepay prepaid / BancoPosta debit / Postamat BancoPosta Click co-branded Maestro/MasterCard (card data entry or 'Paga con Postepay'): up to €5: domestic and intra-EEA 2.80% + €1.80; above €5: domestic and intra-EEA 2.82% + €1.80; extra-EEA n.a.; activation fee €200.00; monthly fee €100.00 (€80.00 for the Acquiring e-commerce PostePay Tandem – Pos Virtuale service alone when combined with PostePay E-commerce Business – Creazione Store); commission refund: commissions charged up to the day the monthly transacted threshold is reached are refunded monthly, also when the threshold is not reached; monthly transacted threshold €0.00 to €5,000 (maximum and minimum applicable values); maximum applicable valuesPercentage plus fixed amount, plus subscription, tiered | Online |
| PostePay Merchants in Italy | Maestro debit cards (chip and contactless): up to €5: domestic and intra-EEA 3.80% + €2.80, extra-EEA 4.50% + €3.80; above €5: domestic and intra-EEA 4.00% + €3.00, extra-EEA 4.52% + €3.80; Postepay cards co-branded Maestro/MasterCard (chip and contactless): up to €5: domestic and intra-EEA 2.80% + €1.80; above €5: 3.00% + €2.00; extra-EEA n.a. (maximum applicable commissions)Percentage plus fixed amount, tiered | In-store |
| PostFinance Merchants in Switzerland | No price published | In-store |
| Rabobank (Rabo Smart Pay) Merchants in the Netherlands | 1.50%, min. €0.10 per transaction; Rabo OnlineKassa from €10.00 per month (excl. VAT, up to three webshops; extra webshop €3.60 per month)Percentage, with minimum, plus subscription | Online |
| Raiffeisen Bank International Merchants in Croatia | RBA: No price published | In-store |
| Raiffeisen Bank International Merchants in Slovakia | Tatra banka: No price published | In-store |
| REDUNIQ (UNICRE) Merchants in Portugal | Maximum rates (TSC máxima per transaction). In-store, EEA cards: consumer debit and prepaid 1.50%, business credit, debit and prepaid 2.50%; non-EEA cards: consumer debit and prepaid (excl. Premium) 2.35%, consumer Premium credit, debit and prepaid 3.00%, business credit, debit and prepaid 3.00%; min €0.05 per transaction; + €0.15 per transaction on a mobile POS (mPOS); + €0.10 per transaction on a terminal of the Integrated Payments Solution; Reduniq Easy, all cards: 1.50% (sign-ups since 01-10-2022, on monthly card turnover above €7,500), 2.25% (sign-ups up to 30-09-2022); Online, Reduniq E-Commerce (monthly fee €19.00 + VAT per virtual store): EEA cards: consumer credit, debit and prepaid 2.25% + €0.35, business 2.75% + €0.35; non-EEA cards: consumer (excl. Premium) 3.20% + €0.35, consumer Premium 3.75% + €0.35, business 3.20% + €0.35; Global Wholesale (business credit) 2.95% + €0.35; Reduniq@Payments: all cards 3.15% + €0.35; Pagamento de Compras, domestic cards: without real time, all cards 3.75% + €0.16; with real time, consumer 3.75% + €0.19, business 3.95% + €0.19Percentage plus fixed amount, with minimum, tiered, plus subscription | Online and in-store |
| Shopify Payments Merchants in Austria | No price published | Online |
| Shopify Payments Merchants in Belgium | 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 Spain | No price published | Online |
| Shopify Payments Merchants in Finland | No price published | Online |
| Shopify Payments Merchants in the United Kingdom | 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 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 |
| Stripe Merchants in Austria | No price published | In-store |
| Stripe Merchants in Belgium | No price published | In-store |
| Stripe Merchants in Czechia | No price published | In-store |
| Stripe Merchants in Germany | No price published | In-store |
| Stripe Merchants in Denmark | No price published | In-store |
| Stripe Merchants in Spain | No price published | In-store |
| Stripe Merchants in Finland | No price published | In-store |
| Stripe Merchants in France | No price published | In-store |
| Stripe Merchants in the United Kingdom | No price published | In-store |
| Stripe Merchants in Ireland | No price published | In-store |
| Stripe Merchants in Italy | No price published | In-store |
| Stripe Merchants in Luxembourg | No price published | In-store |
| Stripe Merchants in the Netherlands | No price published | In-store |
| Stripe Merchants in Portugal | No price published | In-store |
| Stripe Merchants in Sweden | No price published | In-store |
| Trust Payments Merchants in the United Kingdom | No price published | In-store |
| UniCredit Merchants in Austria | No price published | In-store |
| UniCredit Merchants in Bulgaria | No price published | Online |
| UniCredit Merchants in Bulgaria | No price published | In-store |
| UniCredit Merchants in Croatia | No price published | In-store |
| UniCredit Merchants in Hungary | No price published | Online |
| UniCredit Merchants in Hungary | No price published | In-store |
| UniCredit Merchants in Italy | Consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 4.50%; MIF++ option: variable mark-up 3.00% or fixed mark-up €1.80; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tiered | Online |
| UniCredit Merchants in Italy | Consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 4.50%; MIF++ option: variable mark-up 3.00% or fixed mark-up €1.80; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tiered | In-store |
| UniCredit Merchants in Slovenia | No price published | In-store |
| Unzer Merchants in Austria | No price published | Online and in-store |
| Unzer Merchants in Germany | No price published | Online and in-store |
| Unzer Merchants anywhere in the EU | No price published | Online and in-store |
| Unzer Merchants in Luxembourg | No price published | Online and in-store |
| Unzer Merchants in Norway | No price published | Online and in-store |
| Vert Merchants in Germany | First 12 months: €0.00 (cost coverage up to €50,000 turnover from digital payments); after 12 months: Clover Flex: debit card 0.59%, credit card 0.99%; terminal rent €19.99 per month; Clover Pocket: debit card 0.99%, credit card 0.99%; terminal rent €5.99 per month; contract term 60 months in total; conditions: the business has existed for at least 12 months, has accepted no card payments in the last 12 months, trades face to face, and has at most five locationsPercentage, plus subscription, tiered | In-store |
| Viva.com Merchants in Austria | 2.19% + €0.10 (domestic and EEA consumer cards); interchange + scheme fees + 1.90% + €0.10 (business, European, UK and international cards); 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 Austria | 0.45% (local consumer debit cards); 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Belgium | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 Belgium | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Bulgaria | 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); 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 | 1.69% (domestic consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); 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 | 2.19% + CZK 10 (domestic consumer cards); interchange + scheme fees + 2.06% + CZK 10 (business, European, UK and international cards); 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 | 1.69% (domestic consumer cards); interchange + scheme fees + 1.16% (domestic commercial, European, UK and international cards); 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 | 2.19% + €0.10 (domestic and EEA consumer cards); interchange + scheme fees + 2.00% + €0.10 (business, European, UK and international cards); 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 Germany | 0.85% (local consumer debit cards); 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.15% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Denmark | 2.19% + DKK 0.50 (domestic consumer cards); interchange + scheme fees + 1.90% + DKK 0.50 (business, European, UK and international cards); Ecommerce monthly plans: Zero 0 (minimum monthly charge DKK 37), Default DKK 37, Standard DKK 97, Premium DKK 148Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Denmark | 1.69% (domestic consumer cards); interchange + scheme fees + 1.30% (business, European, UK and international cards); minimum DKK 0.24 per in-store transaction; In-person 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 | In-store |
| Viva.com Merchants in Estonia | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); 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 | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 Spain | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Finland | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in France | 2.19% + €0.18 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.18 (business, European, UK and international cards); 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 France | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.10 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 the United Kingdom | 2.19% + £0.24 (UK consumer cards); interchange + scheme fees + 2.06% + £0.24 (business, European, UK and international cards); 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 | 1.69% (UK consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); 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 | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Croatia | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (domestic and EEA commercial, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Hungary | 2.19% + HUF 89 (domestic consumer cards); interchange + scheme fees + 2.00% + HUF 89 (business, European, UK and international cards); 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 | 1.69% (domestic consumer cards); interchange + scheme fees + 1.10% (domestic commercial, European, UK and international cards); 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 | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Italy | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 Italy | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Lithuania | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); 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 | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Latvia | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); 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 | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 the Netherlands | €0.14 (local consumer debit Maestro, for hardware terminal users); 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.01 (€0.10 for Viva.com Terminal users) 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 Norway | Norwegian consumer cards: 2.19% + NOK 1.80; other cards: interchange + scheme fees + 1.90% + NOK 1.80; Ecommerce monthly plans: Zero 0 (minimum monthly charge NOK 58), Default NOK 58, Standard NOK 150, Premium NOK 232Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Norway | Norwegian consumer cards: 1.69% (min. NOK 0.36); other cards: interchange + scheme fees + 1.30%; minimum NOK 0.36 per in-store transaction; In-person 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 | In-store |
| Viva.com Merchants in Poland | 2.19% + PLN 0.24 (domestic consumer cards); interchange + scheme fees + 1.20% + PLN 0.24 (business, European, UK and international cards); Ecommerce monthly plans: Zero 0 (minimum monthly charge PLN 22), Default PLN 22, Standard PLN 58, Premium PLN 88Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Poland | 1.69% (domestic consumer cards); interchange + scheme fees + 1.10% (business, European, UK and international cards); minimum PLN 0.15 per in-store transaction; In-person 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 | In-store |
| Viva.com Merchants in Portugal | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); Ecommerce monthly plans: Zero €0.00 (minimum monthly charge €4.99), Base €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Portugal | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Viva.com Merchants in Romania | 2.19% + RON 0.30 (domestic consumer cards); interchange + scheme fees + 2.06% + RON 0.30 (commercial, European, UK and international cards); Ecommerce monthly plans: Zero 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 | 1.69% (domestic consumer cards); interchange + scheme fees + 1.16% (domestic commercial, European, UK and international cards); 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 | 2.19% + SEK 1.80 (domestic consumer cards); interchange + scheme fees + 1.90% + SEK 1.80 (business, European, UK and international cards); Ecommerce monthly plans: Zero 0 (minimum monthly charge SEK 58), Default SEK 58, Standard SEK 150, Premium SEK 232Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Sweden | 1.69% (domestic consumer cards); interchange + scheme fees + 0.99% (business, European, UK and international cards); minimum SEK 0.36 per in-store transaction; In-person 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 | In-store |
| Viva.com Merchants in Slovenia | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); 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 | 2.19% + €0.24 (domestic and EEA consumer cards); interchange + scheme fees + 2.06% + €0.24 (business, European, UK and international cards); 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 | 1.69% (domestic and EEA consumer cards); interchange + scheme fees + 1.16% (business, European, UK and international cards); 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 | In-store |
| wallee Merchants in Austria | No price published | Online |
| wallee Merchants in Switzerland | No price published | Online |
| wallee Merchants in Germany | €0.20 + 0.90%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageProcessing fee + Percentage, plus subscription, tiered | Online |
| Worldline Merchants in Austria | No price published | Online |
| Worldline Merchants in Belgium | 1.78% + €0.25; supplement for commercial cards and non-domestic transactions: 1.20%; monthly fee: €0Percentage plus fixed amount | Online |
| Worldline Merchants in Belgium | Domestic debit cards: €0.13; non-domestic debit cards: 1.40%; surcharge on commercial cards: +1.20%; surcharge on cards issued outside the EEA: +1.20%; annual compliance service fee: €60; Saturn 1000F2 terminal: €649 purchase (excl. VAT) plus Service support EXTRA €16 per month (€8.05 per month in the first year), or €36 per month rental (Service support EXTRA included); Plug & Play installation €65 (promotion: €0)Fixed amount, plus subscription | In-store |
| 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 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 France | No price published | Online |
| 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 Italy | No price published | Online |
| 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 the Netherlands | 1.79% + €0.25; supplement for commercial cards and non-domestic transactions: 1.20%; monthly fee: €0Percentage plus fixed amount | Online |
| Worldline Merchants in the Netherlands | Domestic debit cards: €0.13; non-domestic debit cards: 1.40%; surcharge on commercial cards: +1.20%; surcharge on cards issued outside the EEA: +1.20%; annual compliance service fee: €60; EX4000 terminal: €199 purchase (excl. VAT); monthly and installation fees: €0Fixed amount, plus subscription | In-store |
| Worldline Merchants in Poland | No price published | Online |
| Worldline Merchants in Poland | No price published | In-store |
| 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 | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in Belgium | Domestic Debit Cards: €0.12; Domestic Credit Cards: 1.30%; Visa / Mastercard Card within EEA: 1.30%; Visa / Mastercard Cards outside EEA: 2.20%; Visa / Mastercard Business Cards: 2.20%; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in Switzerland | Domestic Debit Cards: 0.65% + CHF 0.05; Domestic Credit Cards: 0.95% + CHF 0.05; Visa / Mastercard Card within EEA: 1.50% + CHF 0.10; Visa / Mastercard Cards outside EEA: 2.50% + CHF 0.20; Visa / Mastercard Business Cards: 2.50% + CHF 0.20; Unattended scenarios: IC++ 1.50% + CHF 0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in Germany | Domestic Debit Cards: 0.55% + €0.05; Domestic Credit Cards: 0.65% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in Denmark | Domestic Debit Cards: 0.60% + DKK 0.40; Domestic Credit Cards: 0.70% + DKK 0.40; Visa / Mastercard Card within EEA: 1.20% + DKK 0.40; Visa / Mastercard Cards outside EEA: 1.60% + DKK 1.20; Visa / Mastercard Business Cards: 2.50% + DKK 1.20; Unattended scenarios: IC++ 1.50% + DKK 1.00Percentage plus fixed amount | In-store |
| YabandPay Merchants in Spain | Interchange plus plus, service fee excluding interchange and scheme fees: Domestic Debit Cards: 0.40%; Domestic Credit Cards: 0.40%; Visa / Mastercard Card within EEA: 0.40%; Visa / Mastercard Cards outside EEA: 0.90%; Visa / Mastercard Business Cards: 0.90%; minimum €0.04 per transaction; Unattended scenarios: IC++ 1.50% + €0.15Interchange plus plus, with minimum | In-store |
| YabandPay Merchants anywhere in the EU | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in Finland | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in France | Domestic Debit Cards: 0.55% + €0.05; Domestic Credit Cards: 0.65% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in Italy | Domestic Debit Cards, Classic: 0.65%; Domestic Debit Cards, Business: 0.95%; Domestic Debit Cards, Start: 1.45%; Visa / Mastercard Card within EEA, Classic: 1.19%; Visa / Mastercard Card within EEA, Business: 0.95%; Visa / Mastercard Card within EEA, Start: 1.45%; Visa / Mastercard Cards outside EEA, Classic: 1.99%; Visa / Mastercard Cards outside EEA, Business: 1.60%; Visa / Mastercard Cards outside EEA, Start: 1.45%; Visa / Mastercard Business Cards, Classic: 1.99%; Visa / Mastercard Business Cards, Business: 2.49%; Visa / Mastercard Business Cards, Start: 1.99%; Unattended scenarios: IC++ 1.50% + €0.15Percentage, tiered | In-store |
| YabandPay Merchants in Luxembourg | Domestic Debit Cards: 0.60% + €0.05; Domestic Credit Cards: 0.70% + €0.05; Visa / Mastercard Card within EEA: 1.20% + €0.05; Visa / Mastercard Cards outside EEA: 1.60% + €0.15; Visa / Mastercard Business Cards: 2.50% + €0.15; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount | In-store |
| YabandPay Merchants in the Netherlands | Domestic Debit Cards, No minimum transaction volume: €0.07; Domestic Debit Cards, Minimum monthly fee: €90 (includes 1,500 transactions, each additional transaction €0.06): €0.06; Domestic Credit Cards: 1.30%; Visa / Mastercard Card within EEA: 1.30%; Visa / Mastercard Cards outside EEA: 2.20%; Visa / Mastercard Business Cards: 2.20%; Unattended scenarios: IC++ 1.50% + €0.15Percentage plus fixed amount, plus subscription, tiered | In-store |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 14 September 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
