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PAYONE fees per payment method: the prices PAYONE publishes

Every price PAYONE publishes for merchants established in Europe, in one table: per payment method, country of establishment and channel, with the date each price was read. Choose your country and channel, and the table also shows the methods PAYONE offers without a published price. A published rate is a list rate: what you actually pay is set in your quoted rate and your contract.

Retail Payment Methods Transparency Index

PAYONE fees by country and channel

PAYONE stands in the index with 29 payment methods for merchants established in Europe, and publishes a price for 5 of them.

Each rate is shown as PAYONE prints it; the method name links to the page about that method and the date links to the page the rate was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.

Payment methodPublished priceChannel
Alipay Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Alipay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Amazon Pay Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Amazon Pay Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
American Express Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
American Express Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
American Express Merchants in GermanyNo price publishedRead at source on 20 September 2026In-store
Apple Pay Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Apple Pay Merchants in AustriaNo price publishedRead at source on 28 September 2026In-store
Apple Pay Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Apple Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026In-store
Bancontact Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Bancontact Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Barzahlen/viacash Merchants in GermanyNo price publishedRead at source on 22 September 2026Online
Diners Club Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Diners Club Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Discover Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Discover Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
eps Merchants in AustriaNo price publishedRead at source on 7 October 2026Online
eps Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
girocard Merchants in Germany0.89% 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 minimumRead at source on 5 October 2026In-store
Google Pay Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Google Pay Merchants in AustriaNo price publishedRead at source on 28 September 2026In-store
Google Pay Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Google Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026In-store
iDEAL Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
iDEAL Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
JCB Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
JCB Merchants in GermanyNo price publishedRead at source on 12 October 2026Online
Klarna Pay Later Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Klarna Pay Later Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Klarna Pay Now Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Klarna Pay Now Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Klarna Pay Over Time Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Klarna Pay Over Time Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Maestro Merchants in AustriaNo price publishedRead at source on 28 September 2026In-store
Maestro Merchants in Germany0.89% 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 minimumRead at source on 5 October 2026In-store
Mastercard Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in AustriaNo price publishedRead at source on 28 September 2026In-store
Mastercard Merchants in GermanyNo price publishedRead at source on 28 September 2026Online
Mastercard Merchants in Germany1.90% 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 minimumRead at source on 5 October 2026In-store
Mastercard Debit Merchants in AustriaNo price publishedRead at source on 7 October 2026In-store
PayPal Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
PostFinance Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Przelewy24 Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Przelewy24 Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
SEPA Direct Debit Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
SEPA Direct Debit Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
UnionPay Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
UnionPay Merchants in GermanyNo price publishedRead at source on 12 October 2026Online
V PAY Merchants in AustriaNo price publishedRead at source on 28 September 2026In-store
V PAY Merchants in Germany0.89% 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 minimumRead at source on 5 October 2026In-store
Visa Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
Visa Merchants in AustriaNo price publishedRead at source on 28 September 2026In-store
Visa Merchants in GermanyNo price publishedRead at source on 28 September 2026Online
Visa Merchants in Germany1.90% 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 minimumRead at source on 5 October 2026In-store
Visa Debit Merchants in AustriaNo price publishedRead at source on 7 October 2026In-store
WeChat Pay Merchants in AustriaNo price publishedRead at source on 20 September 2026Online
WeChat Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Wero Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Compare PAYONE with other providers in the indexChoose your own country, channel and payment method

All providers in the index

Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 20 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.

Retail Payment Methods Transparency Index

Questions about PAYONE fees

What does PAYONE charge for card payments?

PAYONE publishes for card payments (Germany, in-store): Visa, Mastercard: 1.90% 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 transaction. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does PAYONE publish no price?

PAYONE offers these payment methods without a published price (Germany, in-store): American Express, Apple Pay, Google Pay.

Your rate

A published rate is the starting point, not the outcome

For a merchant with volume the published list is where the negotiation starts. The quoted rate decides what reaches your statement: the percentage and the fixed fee per transaction, the surcharges for international cards and currency conversion, how the rate is built for each payment method, and the terms on payouts, chargebacks and refunds. Two merchants with the same payment mix can be on the same list and pay different amounts.

EcomStream reviews a contract with PAYONE on merchant mandate against what the market quotes for comparable volume and payment mix, and renegotiates it, without a change of provider, on a no cure no pay basis. Start with cutting your PSP costs, or run the payment set-up check on your own figures first.