Accepting Visa Debit as a merchant
Visa Debit is the Visa-branded debit product now replacing V Pay across Europe. Unlike V Pay, which was built for the point of sale and could not process most online transactions, Visa Debit works anywhere Visa is accepted, in store, online, in wallets and cross-border.
Published prices for Visa DebitPer provider, country and channel, further down this pageGo to the pricesTransition
The V Pay transition and what it requires of you
Two practical actions follow from the transition. Any V Pay logo still shown in your checkout or on your payment method pages should be removed as the card leaves circulation, to avoid confusing customers about what you accept. And any acquirer or PSP that accepts Visa already supports Visa Debit natively, so there is no integration work, only configuration confirmation. For Dutch consumers the change is more significant than it looks: a debit card that works online reduces the dependence on iDEAL as the only viable route for debit holders.
Economics
Debit economics and your effective rate
Debit and credit carry different interchange, and in regulated markets the debit cap is materially lower. Your effective card rate therefore depends on your debit-to-credit mix, which follows from your customer base. Under pass-through pricing a debit-heavy merchant pays debit economics. Under a blended rate they pay an average that includes credit they may barely accept, and the gap between the two is provider margin rather than cost.
Cardmix
Your two debit brands are not one line
Most European merchants accept both Visa Debit and Debit Mastercard, and most report them as a single debit number. The two do not have to price the same, and the split between them is not yours to choose. It follows from which bank issued the card.
That has a specific consequence. When your issuer mix shifts, and it does shift, your effective debit rate moves without anything in your contract changing and without anyone telling you. The reverse holds too: a rate change on one brand is invisible while the two are reported together.
So report them apart. Ask for effective rate, volume and average transaction value per brand and per category, which is what Article 12 of Regulation (EU) 2015/751 already entitles you to receive. Then look across twelve months. If one brand has grown and your blended debit rate moved with it, you have found a cost change that nobody negotiated.
Australia: what changes on 1 October 2026
The RBA Conclusions Paper of 31 March 2026 removes surcharging on eftpos, Mastercard and Visa from 1 October 2026, lowers domestic interchange caps, introduces caps on foreign card interchange, and requires networks and large acquirers to publish their fees. From that date an Australian merchant can no longer recover acceptance cost from the customer, which moves the whole question onto margin.
Which payment provider supports Visa Debit?
Adyen, Checkout.com, Stripe, Worldline, Nexi, Cybersource and Global Payments all document Visa acceptance, among others, and Visa Debit comes with it rather than as a separate enablement. Adyen, Nexi, Trust Payments and Buckaroo go further and name Visa Debit as its own brand in their documentation. Every acquirer that accepts Visa accepts it, so the useful questions are what your effective debit rate is, whether debit and credit are priced separately, and whether any V Pay configuration is still in place that could cause an acceptance gap as the last cards expire.
Retail Payment Methods Transparency Index
Published prices for Visa Debit, per provider
37 providers in the index offer Visa Debit to merchants established in Europe, and 26 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 Visa Debit worldwide.
Channel
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| Adyen Merchants in Germany | No price published | Online and in-store |
| Adyen Merchants in the United Kingdom | No price published | In-store |
| Axepta BNP Paribas Merchants in Belgium | 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 | No price published | In-store |
| Barclaycard Payments Merchants in the United Kingdom | No price published | Online and in-store |
| Buckaroo Merchants in the Netherlands | No price published | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | Domestic, EEA and non-EEA debit and credit cards - Consumers: 1.75% + €0.25; Business and Corporate: 2.20% + €0.25; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscription | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | Visa, Visa Electron, V Pay debit cards: domestic, EEA, non-EEA and Premium, consumers (Particulares): under €20 0.75% + €0.03, €20 and over 0.75%; domestic, business (Empresas): under €20 1.55% + €0.03, €20 and over 1.55% (contracts signed up to 30/04/2023: €20 to under €300 1.55%, €300 and over 1.55% max €2.50); EEA and non-EEA, business: under €20 2.20% + €0.03, €20 and over 2.20%Percentage plus fixed amount, tiered | In-store |
| CM.com Merchants in Belgium | Terminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscription | In-store |
| CM.com Merchants in the Netherlands | Terminal: Netherlands €0.065 processing fee; EEA 0.80% payment method fee + €0.06 processing fee; outside EEA 1.60% payment method fee + €0.12 processing fee; SoftPOS: €5.00 per user per month; Mastercard/Visa Debit NL €0.11 (blended and unblended); Mastercard/Visa Debit EEA blended 1.60% (min. €0.06) + €0.06, unblended IC++ €0.10 + 0.60% (min €0.10); SoftPOS transaction fee €0.02 on top of the payment method feeProcessing fee + Percentage plus fixed amount, with minimum, plus subscription | In-store |
| Comercia Global Payments (CaixaBank) Merchants in Portugal | MyCommerce monthly fee by monthly turnover (plus VAT): €15 (below €2,000); €27 (€2,000 to €4,000); €38 (€4,000 to €6,000); €48 (€6,000 to €8,000); €57 (€8,000 to €10,000); from €10,000: €57 + 0.90% on the turnover above €10,000 (min. €0.05 per transaction); debit and credit cards issued outside the EEA (consumer and business): 2.35% (min. €0.05 per transaction); additional terminal: €9.50 per month; promotion for contracts from 14/01/2026 to 31/12/2026: 6 months without monthly fee (min. monthly turnover €150 during the exemption, maximum exemption €342)Percentage, plus subscription, tiered, with minimum | In-store |
| Comgate Merchants in Czechia | Start (for merchants starting to accept cards who have not accepted card payments before; up to CZK 300,000 of payments; first six calendar months from contract signing, then the Easy tariff applies): Visa and Mastercard cards incl. Google Pay and Apple Pay, all card types: payments up to CZK 50,000 per month free, above CZK 50,000 1.00% + CZK 0, monthly service fee free; Easy: consumer debit and credit cards issued in the EU 1.00% + CZK 0 (promotion 0.60% + CZK 0 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing), business and other cards issued in the EU and cards issued outside the EU 2.00% + CZK 0, monthly service fee CZK 100 (free above CZK 100,000 monthly payment volume and for the second and each further e-shop); Profi: consumer debit and credit cards issued in the EU 0.67% + CZK 1 (promotion 0.47% + CZK 1 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing), business and other cards issued in the EU 2.00% + CZK 1, consumer cards issued outside the EU 2.70% + CZK 4.50, business cards issued outside the EU 3.40% + CZK 4.50, monthly service fee CZK 100 (free above CZK 100,000 monthly payment volume and for the second and each further e-shop); all tariffs: card payments in a currency other than the merchant's home currency +0.15%Percentage plus fixed amount, plus subscription, tiered | Online |
| Comgate Merchants in Czechia | Start (for merchants starting to accept cards who have not accepted card payments before; up to CZK 300,000 of payments; first six calendar months from contract signing, then Easy applies): card payments up to CZK 50,000 per month free, above CZK 50,000 1% + CZK 0; first terminal rental free, further terminals free or CZK 300 per month (free above CZK 100,000 monthly volume per terminal); mobile terminal app free or CZK 50 (free above CZK 50,000 monthly volume); Easy: EU consumer debit and credit cards incl. Apple Pay and Google Pay 1% + CZK 0 (promotion 0.60% + CZK 0 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing); business and other cards issued in the EU and cards issued outside the EU 2% + CZK 0; Profi: EU consumer debit and credit cards 0.67% + CZK 0.60 (promotion 0.47% + CZK 0.60 on up to CZK 1,000,000 total transaction volume in the first three months from the first payment after contract signing; usable until the sixth month after signing); business and other cards issued in the EU 1.80% + CZK 0.60; consumer debit and credit cards issued outside the EU 1.30% + CZK 4; business and other cards issued outside the EU 3.00% + CZK 4; optional monthly invoicing of fees 0.10%; Easy and Profi: terminal rental free or CZK 300 per month (free above CZK 100,000 monthly volume per terminal), mobile terminal app free or CZK 50 (free above CZK 50,000 monthly volume per app); all tariffs: payments in EUR +0.15%; SIM with data CZK 70 per month; terminal purchase CZK 5,000 excl. VAT; international transfer in CZK CZK 30Percentage plus fixed amount, plus subscription, tiered | In-store |
| Elavon Merchants in Germany | No price published | In-store |
| Elavon Merchants in the United Kingdom | Visa and Mastercard personal debit and credit cards, Core All-in-one (in person and online): 0.99%; £15 per month terminal and gateway fee; gateway fee £0.16 per transaction; 12-month contractProcessing fee + Percentage, plus subscription | Online |
| Elavon Merchants in the United Kingdom | Visa and Mastercard personal debit and credit cards: Start simple: 1.75% (£5 one-off card reader); Business Booster Desk: 0.99% (£15 per month terminal fee); Core All-in-one: 0.99% (£15 per month terminal and gateway fee; gateway fee £0.16 per transaction); Business Booster Move: 0.99% (£18 per month terminal fee); 12-month contract on all plansProcessing fee + Percentage, plus subscription, tiered | 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 |
| 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 United Kingdom | AIB Merchant Services: No price published | Online |
| Fiserv (Clover) Merchants in the United Kingdom | AIB Merchant Services: No price published | In-store |
| Fiserv (Clover) Merchants in the Netherlands | Visa Debit domestic: 1.40% + €0.15; Visa Debit international: 1.50% + €0.15; monthly service fee (webshop) €9.95Percentage plus fixed amount, plus subscription | Online |
| Fiserv (Clover) Merchants in the Netherlands | Visa Debit domestic: €0.069; Visa Debit international: 1.50%; 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; consumer debit cards issued outside the EEA: 1.25%; 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 Merchants in the United Kingdom | 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 (Visa, Mastercard, Maestro cards): 1.40% of the transaction amount, includes interchange fee and scheme fees; covers consumer debit and credit cards issued in Poland, business cards issued in Poland, consumer cards issued in the EEA, consumer cards issued outside the EEA and business cards issued outside Poland; if foreign-card payments exceed 15% of the value of all card transactions in a calendar month, the bank may raise the fee on foreign cards from the following month to interchange + scheme fee + 0.50% bank marginPercentage plus fixed amount | Online |
| KBC Merchants in Czechia | Interchange | scheme fee | processing fee. Visa CZ consumer debit: 0.20% | 0.18% | 0.37% + CZK 0.50; Visa EEA consumer debit: 0.20% | 0.21% | 0.37% + CZK 0.50; Visa non-EEA consumer debit: 1.15% | 1.88% | 0.37% + CZK 0.50; one-off card acceptance activation fee: CZK 1890.00; monthly payment gateway fee: CZK 99.00 per internet shop (fees not subject to VAT)Interchange plus plus, plus subscription | Online |
| KBC Merchants in Czechia | Interchange | scheme fee | processing fee. Visa CZ consumer debit: 0.20% | 0.18% | 0.37% + CZK 0.50; Visa EEA consumer debit: 0.20% | 0.21% | 0.37% + CZK 0.50; Visa non-EEA consumer debit: 0.20% | 1.88% | 0.37% + CZK 0.50; monthly terminal fee: CZK 299.00 + VAT (CZK 200.00 + VAT per month per terminal when monthly card turnover at the outlet is below CZK 5000)Interchange plus plus, plus subscription | In-store |
| Luminor Merchants in Estonia | MakeCommerce: 1.35% + €0.15; monthly fee: €10Percentage plus fixed amount, plus subscription | Online |
| Luminor Merchants in Lithuania | No price published | In-store |
| NBG Pay Merchants in Greece | Visa Debit: NBG cards 0.60%, Corporate 1.80%; other EU 0.60%, Corporate 1.85%; outside EU 1.30%, Corporate 2.75%; POS terminal: wired free, wireless €9.90 per monthPercentage, plus subscription | In-store |
| NETOPIA Payments Merchants in Romania | 1.19% of the transaction value + RON 0.30 (Visa/MasterCard debit/credit cards issued in Romania or abroad); 1.45 - 11.00% of the transaction value + RON 0.30 (instalment cards, Visa/MasterCard); negotiable share of the transaction value (by monthly volume)Percentage plus fixed amount | Online |
| Nexi Merchants in Austria | 1% for all cards (applies to debit and credit cards of Mastercard and Visa); €1 licence fee; no monthly base fee; commercial credit cards: an additional 1.49% of the transaction amount on top of the disagioPercentage | In-store |
| Nexi Merchants in Germany | No price published | In-store |
| Nexi Merchants in Italy | Credit, debit and prepaid: 1.30% + 1.30% Extra EEA; Commercial: 2.25% + 0.74% Extra EEA; gateway fee: €0.35 per operation; transactions of €30 or less: 0.05% reduction; monthly fee: €5.90; Protection Plus: €7.50 one-off + €2.50/monthProcessing fee + Percentage, plus subscription | Online |
| Nexi Merchants in Italy | Italia +: credit, debit and prepaid: 0.99% + 0.65% Extra EEA; Commercial: 2.49% + 0% Extra EEA; card-not-present surcharge: 0.95%; transactions of €30 or less: 0.05% reduction; €29/month; installation €0 (was €79), promotion valid until 1 November 2026; Protection Plus: €2.50 + €7.50 one-off per point of salePercentage, plus subscription | In-store |
| novobanco Merchants in Portugal | Consumer cards, domestic and EEA: 0.90%; consumer cards outside the EEA: 2.35%; business cards, domestic: 2.00%; business cards, EEA: 2.00%; business cards outside the EEA: 2.95%; min €0.06 on every rate; fixed fee per transaction: €0.06; TPA Negócios SmartPOS, transaction fee included up to a turnover limit on Multibanco cards and EEA consumer Visa and Mastercard cards, per month + VAT: €500: €15.50; €1,000: €22.00; €2,000: €29.00; €5,000: €42.00; €10,000: €57.00; TPA Negócios Extra €15,000: 1 terminal €67.00, 2 terminals €77.00, 3 terminals €87.00; on these packages, turnover above the package limit: 0.90% (min €0.06) + €0.06 per transaction; business cards and cards issued outside the EEA: 2.35% (min €0.06) + €0.06 per transactionPercentage plus fixed amount, plus subscription, tiered, 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 | In-store |
| OTP Bank Merchants in Hungary | No price published | Online and in-store |
| Pay. Merchants anywhere in the EU | Terminal Payments NL, Professional: €0.07; Terminal Payments NL, Business: €0.065; Terminal Payments BE, Professional: €0.12; Terminal Payments EU, Professional: €0.15; SoftPOS, Netherlands & Belgium, Transaction value up to €50,-, Professional: €0.09; SoftPOS, Netherlands & Belgium, Transaction value up to €50,-, Business: €0.08; SoftPOS, Netherlands & Belgium, Transaction value above €50,-, Professional: €0.06 + 0.25%; SoftPOS, Netherlands & Belgium, Transaction value above €50,-, Business: €0.06 + 0.20%; SoftPOS, Other countries EU, Transaction value above €50,-, Professional: €0.06 + 0.60%; SoftPOS, Other countries EU, Transaction value above €50,-, Business: €0.06 + 0.50%; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthPercentage plus fixed amount, plus subscription, tiered | In-store |
| PAYONE Merchants in Austria | No price published | In-store |
| PayPal Merchants in Belgium | PayPal Checkout: Blended: 1.80% + €0.35; Interchange Plus: interchange + 1.80% + €0.35; additional fee for international transactions (not on interchange): EEA no fee, UK 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Spain | PayPal Checkout: Blended: 1.20% + €0.35; Interchange Plus: interchange + 1.20% + €0.35; additional fee for international transactions (not on interchange): EEA no fee, UK 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Finland | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in France | PayPal Checkout: 1.20% + €0.35 (advanced credit and debit card payments, blended); Interchange Plus: interchange + 1.20% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in the United Kingdom | Advanced Credit and Debit Card Payments, blended: 1.20% + fixed fee; Advanced Credit and Debit Card Payments, Interchange Plus: interchange + 1.20% + fixed fee; fixed fee: £0.30 (GBP), €0.35 (EUR); Website Payments Pro, blended: 3.40% + fixed fee; Website Payments Pro, Interchange Plus: interchange + 2.90% + fixed fee; Virtual Terminal, blended: 2.90% + fixed fee; Virtual Terminal, Interchange Plus: interchange + 2.90% + fixed fee; Website Payments Pro fixed fee (blended and interchange pricing): £0.20 (GBP); international transactions: +1.29% (EEA), +1.99% (all other markets), not on interchange-based fees under Interchange Plus; Website Payments Pro (including Virtual Terminal) monthly fee: £20.00Percentage plus fixed amount, plus subscription | Online |
| PayPal Merchants in Greece | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Hungary | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + HUF 90.00 (HUF) or €0.35 (EUR); Interchange Plus: interchange + 1.90% + HUF 90.00 (HUF) or €0.35 (EUR); international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Ireland | PayPal Checkout: Advanced credit and debit card payments, blended: 1.20% + €0.35; Interchange Plus: interchange + 1.20% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Italy | PayPal Checkout: Advanced credit and debit card payments, blended: 1.20% + €0.35; Interchange Plus: interchange + 1.20% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Lithuania | PayPal Checkout: Advanced credit and debit card payments, blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international surcharge on the blended rate by sender market: EEA no fee, United Kingdom 1.29%, all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Luxembourg | PayPal Checkout: Blended: 1.80% + €0.35; Interchange Plus: interchange + 1.80% + €0.35; international transactions (Blended): UK +1.29%, all other non-EEA markets +1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Latvia | PayPal Checkout: Blended: 1.90% + €0.35; Interchange Plus: interchange + 1.90% + €0.35; international transactions (Blended): UK +1.29%, all other non-EEA markets +1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in the Netherlands | PayPal Checkout: Blended: 1.80% + €0.35; Interchange Plus: interchange + 1.80% + €0.35; international transactions (Blended): UK +1.29%, all other non-EEA markets +1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Poland | Blended: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee by currency received: PLN 1.35 (PLN), €0.35 (EUR), other currencies per fixed-fee table; international transactions (Blended only): EEA no fee, UK +1.29%, all other markets +1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Portugal | Blended: 1.20% + fixed fee; Interchange Plus: interchange + 1.20% + fixed fee; fixed fee: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Romania | PayPal advanced card payments: Blended: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Sweden | PayPal advanced credit and debit card payments, blended pricing: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee for card payment services, SEK: SEK 3.25; EUR: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus fixed amount | Online |
| PayPal Merchants in Slovenia | PayPal advanced card payments: Blended: 1.90% + fixed fee; Interchange Plus: interchange + 1.90% + fixed fee; fixed fee: €0.35; additional fee for international commercial transactions (not on Interchange Plus interchange): EEA no fee; UK 1.29%; all other markets 1.99%Percentage plus fixed amount | Online |
| Payrexx Merchants in Switzerland | InStore (CHF 0 per month), card reader / Tap to Pay, debit cards: 1.65% + CHF 0.15; InStore Better Fees (add-on CHF 9 per month), debit cards: 0.95% + CHF 0.15; Omnichannel subscription, debit cards: Free (CHF 0 per month), Tap to Pay 1.65% + CHF 0.15; Standard (CHF 19, 17 or 15 per month on a 1, 2 or 3-year term) and Premium (CHF 49, 44 or 39 per month on a 1, 2 or 3-year term), POS and Tap to Pay 0.95% + CHF 0.15Percentage plus fixed amount, plus subscription, tiered | In-store |
| PostePay Merchants in Italy | Visa and Visa Electron debit and prepaid cards: up to €5: domestic and intra-EEA 3.40% + €2.80, extra-EEA 4.50% + €3.80; above €5: domestic and intra-EEA 3.42% + €2.80, extra-EEA 4.52% + €3.80; Postepay prepaid / BancoPosta debit / Postamat BancoPosta Click co-branded VISA (card data entry or 'Paga con Postepay'): up to €5: domestic and intra-EEA 2.80% + €1.80; above €5: domestic and intra-EEA 2.82% + €1.80; extra-EEA n.a.; activation fee €200.00; monthly fee €100.00 (€80.00 for the Acquiring e-commerce PostePay Tandem – Pos Virtuale service alone when combined with PostePay E-commerce Business – Creazione Store); commission refund: commissions charged up to the day the monthly transacted threshold is reached are refunded monthly, also when the threshold is not reached; monthly transacted threshold €0.00 to €5,000 (maximum and minimum applicable values); maximum applicable valuesPercentage plus fixed amount, plus subscription, tiered | Online |
| PostePay Merchants in Italy | Visa and Visa Electron debit/prepaid cards (chip and contactless): up to €5: domestic and intra-EEA 3.80% + €2.80, extra-EEA 4.50% + €3.80; above €5: domestic and intra-EEA 4.00% + €3.00, extra-EEA 4.52% + €3.80; Postepay cards co-branded VISA (chip and contactless): up to €5: domestic and intra-EEA 2.80% + €1.80; above €5: 3.00% + €2.00; extra-EEA n.a. (maximum applicable commissions)Percentage plus fixed amount, tiered | In-store |
| PostFinance Merchants in Switzerland | No price published | In-store |
| REDUNIQ (UNICRE) Merchants in Portugal | Maximum rates (TSC máxima per transaction). Online, Reduniq E-Commerce (monthly fee €19.00 + VAT per virtual store): EEA cards: consumer credit, debit and prepaid 2.25% + €0.35, business 2.75% + €0.35; non-EEA cards: consumer (excl. Premium) 3.20% + €0.35, consumer Premium 3.75% + €0.35, business 3.20% + €0.35; Reduniq@Payments: all cards 3.15% + €0.35; Pagamento de Compras, domestic cards: without real time, consumer 3.75% + €0.16, business 3.95% + €0.16; with real time, consumer 3.75% + €0.19, business 3.95% + €0.19Percentage plus fixed amount, plus subscription, tiered | Online |
| REDUNIQ (UNICRE) Merchants in Portugal | Maximum rates (TSC máxima per transaction). In-store, EEA cards: consumer debit and prepaid 1.50%, business credit, debit and prepaid 2.50%; non-EEA cards: consumer debit and prepaid (excl. Premium) 2.35%, consumer Premium credit, debit and prepaid 3.00%, business credit, debit and prepaid 3.00%; min €0.05 per transaction; + €0.15 per transaction on a mobile POS (mPOS); + €0.10 per transaction on a terminal of the Integrated Payments Solution; Reduniq Easy, all cards: 1.50% (sign-ups since 01-10-2022, on monthly card turnover above €7,500), 2.25% (sign-ups up to 30-09-2022)Percentage, with minimum, tiered | In-store |
| UniCredit Merchants in Italy | Visa/V PAY/Visa Electron Debit: consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.09%); consumer cards issued by other banks: Debit/Prepaid: 3.80% (MIF 0.20%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tiered | Online |
| UniCredit Merchants in Italy | Visa/V PAY/Visa Electron Debit: consumer cards issued by the bank: 3.55% (MIF 0.20%, Scheme 0.09%); consumer cards issued by other banks: 3.80% (MIF 0.20%, Scheme 0.11%); commercial cards issued by the bank: 3.55%; EU commercial and non-EU cards issued by other banks: 3.80%; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tiered | In-store |
| Vert Merchants in Germany | No price published | In-store |
| Viva.com Merchants in Austria | 0.45% (local consumer debit cards); 1.69% (domestic and EEA consumer cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage, with minimum, plus subscription | In-store |
| Viva.com Merchants in Germany | 0.85% (local consumer debit cards); 1.69% (domestic and EEA consumer cards); minimum €0.03 per in-store transaction; In-person monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage, with minimum, plus subscription | In-store |
| wallee Merchants in France | €0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageProcessing fee + Percentage, plus subscription, tiered | Online |
| wallee Merchants in the United Kingdom | £0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic £18.00 per month, Business £69.90 per month, Enterprise on request; Business plan per-transaction fee: £0.12 (instead of £0.20) + the same processor percentageProcessing fee + Percentage, plus subscription, tiered | Online |
| wallee Merchants in Italy | €0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageProcessing fee + Percentage, plus subscription, tiered | Online |
| wallee Merchants in the Netherlands | €0.20 + 1.40%; the fixed fee is wallee's, a percentage is the processor's fee and may differ by industry, risk and volume; plans: Basic €19.00 per month, Business €65.90 per month, Enterprise on request; Business plan per-transaction fee: €0.12 (instead of €0.20) + the same processor percentageProcessing fee + Percentage, plus subscription, tiered | Online |
| Worldline Merchants in Austria | No price published | 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%; activation: €0; monthly fee: €0Percentage plus fixed amount | 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 Greece | 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 Luxembourg | No price published | Online |
| Worldline Merchants in Luxembourg | No price published | In-store |
| Worldline Merchants in the Netherlands | Worldline QR Payments: domestic debit cards: €0.13; non-domestic debit cards: 1.40%; surcharge on commercial cards: +1.20%; surcharge on cards issued outside the EEA: +1.20%; activation: €0; monthly fee: €0Fixed amount | 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 |
| 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 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.
Licensing
Your acquirer does not have to be in your country
Article 6 of Regulation (EU) 2015/751 removes a constraint most merchants still behave as though exists. Any territorial restriction within the Union, or rule with an equivalent effect, in a licensing agreement or in payment card scheme rules for issuing cards or acquiring card-based payment transactions is prohibited. So is any requirement to hold a country-specific licence or authorisation in order to operate cross-border.
In plain terms, an acquirer licensed in one member state may acquire your transactions in another, and the scheme may not stand in the way. The market you are entitled to shop is the European Economic Area, not your own postcode.
That is what makes a benchmark worth running. If the comparison you last did was against the two or three acquirers that call on merchants in your country, you compared a fraction of the field, and the field is materially larger than the one most merchants actually put out to tender. Widening it requires no change to where your company or your bank account sits.
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, global
Payment set-up check
Want to know if you are paying the right rate on your Visa Debit volume?
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
