V Pay is being replaced by Visa Debit
V Pay was Visa’s European debit product, built for the point of sale and unable to process most online transactions. It is being phased out and replaced by Visa Debit, which works wherever Visa is accepted, in store, online, in wallets and across borders.
Published prices for V PAYPer provider, country and channel, further down this pageGo to the pricesTransition
What the transition requires from you
Two things, and neither is an integration project. First, remove any V Pay logo still shown in your checkout or on your payment method pages as the card leaves circulation, so customers are not misled about what you accept. Second, confirm that your acceptance configuration handles Visa Debit natively, which it will if you already accept Visa, since any acquirer or PSP that accepts Visa supports Visa Debit by default.
Why V Pay was discontinued
The limitation that ended it was card-not-present. V Pay was designed for chip and PIN in a physical environment and could not serve e-commerce, which made it progressively less useful as commerce moved online. Visa Debit resolves that completely, supporting online transactions, mobile wallets, contactless and international acceptance on the full Visa network.
What it changes in the Netherlands
For Dutch consumers the transition has a second-order effect worth understanding. A debit card that works in an online checkout reduces the dependence on iDEAL as the only viable online route for debit holders. For a Dutch merchant that is a small shift in the payment mix, arriving at the same time as the larger iDEAL to Wero migration, and both change the same part of the checkout.
Pricing
The pricing question in the switch
V Pay and Visa Debit do not necessarily carry the same rate. A migration that happens inside the card base moves volume between rate lines without any change to your contract and without notification. If Dutch or German debit volume is material to you, comparing your effective rate before and after is worth doing while there is still a before.
Timing
When to reopen the contract, and when not to
A brand migration inside the card base is one of the few events that changes your volume mix materially without triggering a contract event. That makes the timing question worth answering deliberately rather than by default.
Renegotiating in the middle of the migration means arguing about a mix that is still moving, and both sides know it. The moment worth waiting for is the point where the migration has substantially completed, the new mix is stable, and twelve months of clean data exist on the replacement brand. That is when a rate can be argued against evidence rather than against a projection.
What should not wait is the measurement. Start recording effective rate per brand now, while the old brand still has volume, because the comparison you will want later only exists if somebody captured the before. The negotiation can be scheduled. The baseline cannot be reconstructed.
Processing
The scheme and the processing are two things, and the law keeps them apart
When a brand is withdrawn, what remains underneath is a processing arrangement, and it is worth knowing that European law treats that as separable rather than as part of the package.
Article 7 of Regulation (EU) 2015/751 requires payment card schemes and processing entities to be independent in terms of accounting, organisation and decision-making processes. They may not present prices for scheme and processing activities in a bundled manner, they may not cross-subsidise between them, and they may not discriminate between their own subsidiaries or shareholders and other users and contractual partners. They also may not make the provision of one service conditional on accepting another.
The merchant consequence sits in the word bundled. If your provider quotes scheme and processing as a single figure, that is a commercial choice rather than a technical necessity, and it is the same mechanism as a blended rate one level down. Asking for the two apart is not an unusual request. It is the shape the regulation assumes.
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 checkout and PSP contract reflect the current landscape.
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
Retail Payment Methods Transparency Index
Published prices for V PAY, per provider
33 providers in the index offer V PAY to merchants established in Europe, and 17 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 V PAY in 28 countries.
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| Adyen Merchants anywhere in the EU | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | In-store |
| Adyen Merchants in the United Kingdom | £0.11 + Interchange++ + 0.60%Processing fee + Interchange plus plus | In-store |
| Adyen Merchants in Norway | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | In-store |
| Adyen Merchants in Poland | €0.11 + Interchange+ + 0.60%Processing fee + Interchange plus plus | In-store |
| Axepta BNP Paribas Merchants in Belgium | No price published | In-store |
| 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 |
| card complete Merchants in Austria | No price published | In-store |
| CM.com Merchants in Belgium | 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 |
| 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 |
| epay (Euronet) Merchants in Germany | No price published | In-store |
| First Cash Solution Merchants in Germany | No price published | In-store |
| Fiserv (Clover) Merchants in the Netherlands | V PAY domestic: €0.069; V PAY 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; 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 |
| hobex Merchants in Austria | No price published | In-store |
| hobex Merchants in Slovenia | No price published | In-store |
| Hrvatska poštanska banka (HPB) Merchants in Croatia | 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 |
| KBC Merchants in Bulgaria | UBB: No price published | In-store |
| KBC Merchants in Hungary | No price published | In-store |
| Mollie Merchants in Belgium | 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 Germany | No price published | In-store |
| myPOS Merchants in France | No price published | In-store |
| myPOS Merchants in the United Kingdom | No price published | In-store |
| myPOS Merchants in Italy | No price published | In-store |
| Nexi Merchants in Switzerland | No price published | In-store |
| Nexi Merchants in Germany | No price published | In-store |
| 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%; 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% + €1.89, up to €30: 3.46% + €1.69; Protection Plus programme: €2.50/month + €7.50 one-off per point of salePercentage plus fixed amount, plus subscription, tiered | In-store |
| novobanco Merchants in Portugal | Visa, Visa Electron and V Pay: 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%; business cards, EEA: Debit and Prepaid 2.00%, Credit 2.00%; business cards outside the EEA: Debit and Prepaid 2.95%, 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 | In-store |
| OTP Bank Merchants in Hungary | No price published | 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; 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 |
| 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 |
| PostePay Merchants in Italy | VPAY 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 (maximum applicable commissions)Percentage plus fixed amount, tiered | In-store |
| PostFinance Merchants in Switzerland | No price published | In-store |
| 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)Percentage, with minimum, tiered | In-store |
| 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 | In-store |
| UniCredit Merchants in Italy | Percentage commission on volume (VISA / V PAY / Visa Electron): consumer cards issued by the bank: Debit: 3.55% (of which MIF 0.20%, Scheme 0.09%); Prepaid: 3.55% (of which MIF 0.20%, Scheme 0.09%); Credit: 3.65% (of which MIF 0.30%, Scheme 0.09%); consumer cards issued by other banks: Debit: 3.80% (of which MIF 0.20%, Scheme 0.11%); Prepaid: 3.80% (of which MIF 0.20%, Scheme 0.11%); Credit: 4.50% (of which MIF 0.30%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial cards and non-EU cards issued by other banks: Debit: 3.80%; Prepaid: 3.80%; Credit: 4.50%; €0.10 per collection transaction; reversal €1.00; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; 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 |
| 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 | 0.45%; 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%; 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 |
| VR Payment Merchants in Germany | No price published | In-store |
| WEAT Merchants in Germany | No price published | In-store |
| 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 | In-store |
| Worldline Merchants in Czechia | 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 Croatia | No price published | In-store |
| Worldline Merchants in Italy | No price published | In-store |
| Worldline Merchants in Luxembourg | No price published | In-store |
| 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 Slovenia | No price published | In-store |
| 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 17 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.
