Accepting Samsung Pay as a merchant
Samsung Pay is a tokenised wallet on Samsung devices. Like the other device wallets, it sits on top of the card networks: the customer’s card number never reaches you, a device token does, and the transaction still runs through your existing acquiring relationship.
Published prices for Samsung PayPer provider, country and channel, further down this pageGo to the pricesAcceptance
How to accept Samsung Pay as a merchant
You do not integrate a new payment method in any meaningful sense. Acceptance follows from accepting contactless cards at the terminal and from wallet support in your online checkout through your PSP. In practice most merchants already accept it without having made a decision about it, which is fine, but it means nobody has looked at what it costs.
A wallet adds a party, it does not remove interchange
This is the structural point that applies across every device wallet. Underneath, the transaction remains a card transaction carrying card economics, with a wallet layer added on top. Whether the total is competitive depends on how that layer was priced in your agreement and whether the card cost beneath it is passed through or absorbed into a blend. Under blended pricing the two are indistinguishable, which suits exactly one party.
Tokens
Tokenisation changes fraud and authorisation, not just security
Device tokens generally authorise better than keyed card entry, and depending on the network and region they can shift fraud liability from the merchant to the issuer. Both effects carry money. Whether your PSP reports which transactions qualified is a question worth asking, because the answer affects your chargeback line rather than your fee line.
Blend
The wallet is the best argument you have against a blend
The section above says that under blended pricing the wallet layer and the card cost beneath it are indistinguishable, which suits exactly one party. That is usually where the conversation stops. It does not have to, because a wallet hands you a test that a card on its own does not.
Ask for one month of wallet transactions and one month of contactless card transactions from the same acquiring line, matched on similar ticket sizes, and compare the effective rate on each. If the two are identical to the basis point, the wallet layer is inside the blend and you are paying an amount nobody in the building can state. If they differ, the difference is the wallet layer, and it now has a number, which is the first moment it can be argued about at all.
That test is also the cleanest case for interchange plus plus pricing you will ever have to hand, because it makes the argument with your own data rather than in the abstract. A structure that shows interchange, scheme fees and your provider’s margin as three separate figures answers the question permanently, and wallet volume is where the difference between the two structures is easiest to see.
Which payment provider supports Samsung Pay?
Datatrans, Braintree and Online Payment Platform all document Samsung Pay, as do most other providers. The useful questions are what you pay on wallet volume, whether the underlying card cost is visible, how wallet transactions authorise against your card average, and whether liability shift eligibility is reported to you at all.
Retail Payment Methods Transparency Index
Published prices for Samsung Pay, per provider
24 providers in the index offer Samsung Pay to merchants established in Europe, and 5 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 Samsung Pay in 23 countries.
Channel
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| 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 |
| 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 | In-store |
| Crédit Agricole (CAWL) Merchants in France | No price published | In-store |
| 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 Sweden | No price published | In-store |
| Fiserv (Clover) Merchants in Germany | No price published | In-store |
| Fiserv (Clover) Merchants in the Netherlands | CCV: No price published | In-store |
| Global Payments Merchants in Romania | No price published | In-store |
| Global Payments s.r.o. Merchants in Czechia | No price published | In-store |
| Global Payments s.r.o. Merchants in Slovakia | No price published | In-store |
| hobex Merchants in Austria | No price published | Online and in-store |
| hobex Merchants in Italy | No price published | In-store |
| La Banque Postale Merchants in France | No price published | Online |
| Lyra Merchants in France | European cards: €0.20 + 1.40%; non-European cards: €0.20 + 2.45%; subject to a monthly subscription and set-up fee; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amount, plus subscription | Online |
| Mollie Merchants in Belgium | No price published | In-store |
| Mollie Merchants in the Netherlands | No price published | In-store |
| Novalnet Merchants in Germany | No price published | Online |
| PayPal Merchants in Germany | No price published | In-store |
| Payplug Merchants in France | No price published | In-store |
| 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 |
| Planet Pay Merchants in Poland | No price published | In-store |
| PostFinance Merchants in Switzerland | No price published | In-store |
| 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 Czechia | No price published | In-store |
| Stripe Merchants in Germany | No price published | Online |
| Stripe Merchants in Germany | No price published | 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 |
| Stripe Merchants in Spain | No price published | 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 | In-store |
| Stripe Merchants in the United Kingdom | No price published | Online |
| Stripe Merchants in the United Kingdom | No price published | 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 the Netherlands | No price published | In-store |
| Stripe Merchants in Portugal | No price published | Online |
| Stripe Merchants in Portugal | No price published | In-store |
| Stripe Merchants in Sweden | No price published | Online |
| Stripe Merchants in Sweden | No price published | In-store |
| Stripe Merchants in Slovenia | No price published | Online |
| Stripe Merchants in Slovakia | No price published | Online |
| Swedbank Merchants in Denmark | No price published | In-store |
| Swedbank Merchants in Norway | No price published | In-store |
| Swedbank Merchants in Sweden | No price published | In-store |
| 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 |
| Worldline Merchants in Switzerland | No price published | In-store |
| Worldline Merchants in Denmark | No price published | In-store |
| Worldline Merchants in Finland | No price published | In-store |
| Worldline Merchants in Greece | No price published | In-store |
| Worldline Merchants in Croatia | No price published | In-store |
| Worldline Merchants in Slovenia | No price published | Online and in-store |
| Worldline Merchants in Slovakia | No price published | In-store |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 19 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.
Parity
Device parity, and the gap it exposes
Samsung Pay is available on Samsung devices, which means its share of your revenue is not a question of customer preference in the abstract. It is a function of your own traffic mix, and you already hold that number.
Put two figures side by side. From your analytics, the share of sessions on Android devices. From your payments reporting, the share of revenue on each wallet. Take 6 million euros of revenue with 35 per cent of sessions on Android, so roughly 2.1 million euros of Android-originated revenue. If Apple Pay carries 22 per cent of your iOS revenue while the Android wallets together carry 2 per cent of your Android revenue, that gap is not preference. It is availability, or ordering in the selector, or a wallet that fails quietly on those devices and sends the customer to manual card entry.
Twenty points of 2.1 million euros is roughly 420,000 euros a year currently going through keyed entry that could go through a token. What that is worth comes from two numbers in your own reporting rather than from anybody’s deck: the authorisation rate on tokenised transactions against keyed entry, and the fraud write-off on each. A two-point authorisation difference on 420,000 euros is 8,400 euros of attempted revenue a year, and offering a customer the wallet their device already carries costs nothing to fix.
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 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 checkout is optimised for mobile wallet 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
