PensoPay fees per payment method: the prices PensoPay publishes
Every price PensoPay 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 PensoPay 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
PensoPay fees by country and channel
PensoPay stands in the index with 9 payment methods for merchants established in Europe, and publishes a price for 9 of them.
Each rate is shown as PensoPay 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.
The country where your business is established and from which you sell.
| Payment method | Published price | Channel |
|---|---|---|
| Anyday Merchants in Denmark | Anyday add-on: DKK 0/month + 3.95%; available on Basis: DKK 0/month, DKK 4 per transaction; Start-up: DKK 49/month, DKK 1 per transaction; Pro: DKK 129/month incl. 250 transactions/month, DKK 0.25 per additional transactionPercentage, plus subscription, tieredRead at source on 9 October 2026 | Online |
| Apple Pay Merchants in Denmark | Apple & Google Pay add-on: DKK 0; available on BASIS (DKK 0 per month; DKK 4 per transaction + 1.25% for indløsning), START-UP (DKK 49 per month; DKK 1 per transaction + 1.25% for indløsning) and PRO (DKK 129 per month; 250 transactions per month included, then DKK 0.25 per transaction; + 1.25% for indløsning); indløsning: cards issued in DK and EU/EEA 1.25%, cards issued outside EU/EEA 2.75%Percentage plus fixed amount, plus subscription, tieredRead at source on 12 October 2026 | Online |
| Dankort Merchants in Denmark | BASIS (DKK 0 per month): DKK 4 per transaction + 1.25% for acquiring; START-UP (DKK 49 per month): DKK 1 per transaction + 1.25% for acquiring; PRO (DKK 129 per month): 250 transactions per month included + 1.25% for acquiring, DKK 0.25 per further transaction; cards issued in DK and the EU/EEA: 1.25%; cards issued outside the EU/EEA: 2.75%Percentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026 | Online |
| Google Pay Merchants in Denmark | Apple & Google Pay add-on: DKK 0; available on BASIS (DKK 0 per month; DKK 4 per transaction + 1.25% for indløsning), START-UP (DKK 49 per month; DKK 1 per transaction + 1.25% for indløsning) and PRO (DKK 129 per month; 250 transactions per month included, then DKK 0.25 per transaction; + 1.25% for indløsning); indløsning: cards issued in DK and EU/EEA 1.25%, cards issued outside EU/EEA 2.75%Percentage plus fixed amount, plus subscription, tieredRead at source on 12 October 2026 | Online |
| iDEAL Merchants in Denmark | €0.30 per transaction; available on BASIS (DKK 0 per month, DKK 4 per transaction), START-UP (DKK 49 per month, DKK 1 per transaction) and PRO (DKK 129 per month, 250 transactions per month included, then DKK 0.25 per transaction)Fixed amount, plus subscription, tieredRead at source on 9 October 2026 | Online |
| Mastercard Merchants in Denmark | BASIS (DKK 0 per month): DKK 4 per transaction + 1.25% for acquiring; START-UP (DKK 49 per month): DKK 1 per transaction + 1.25% for acquiring; PRO (DKK 129 per month): 250 transactions per month included + 1.25% for acquiring, DKK 0.25 per further transaction; cards issued in DK and the EU/EEA: 1.25%; cards issued outside the EU/EEA: 2.75%Percentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026 | Online |
| MobilePay Merchants in Denmark | DKK 49 per month + DKK 1 per transaction; available on BASIS (DKK 0 per month, DKK 4 per transaction), START-UP (DKK 49 per month, DKK 1 per transaction) and PRO (DKK 129 per month, 250 transactions per month included, then DKK 0.25 per transaction)Fixed amount, plus subscription, tieredRead at source on 9 October 2026 | Online |
| Vipps MobilePay Merchants in Denmark | DKK 1 per transaction; available on BASIS (DKK 0 per month, DKK 4 per transaction), START-UP (DKK 49 per month, DKK 1 per transaction) and PRO (DKK 129 per month, 250 transactions per month included, then DKK 0.25 per transaction)Fixed amount, plus subscription, tieredRead at source on 9 October 2026 | Online |
| Visa Merchants in Denmark | BASIS (DKK 0 per month): DKK 4 per transaction + 1.25% for acquiring; START-UP (DKK 49 per month): DKK 1 per transaction + 1.25% for acquiring; PRO (DKK 129 per month): 250 transactions per month included + 1.25% for acquiring, DKK 0.25 per further transaction; cards issued in DK and the EU/EEA: 1.25%; cards issued outside the EU/EEA: 2.75%Percentage plus fixed amount, plus subscription, tieredRead at source on 9 October 2026 | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 9 October 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 PensoPay fees
What does PensoPay charge for Dankort?
PensoPay publishes BASIS (DKK 0 per month): DKK 4 per transaction + 1.25% for acquiring; START-UP (DKK 49 per month): DKK 1 per transaction + 1.25% for acquiring; PRO (DKK 129 per month): 250 transactions per month included + 1.25% for acquiring, DKK 0.25 per further transaction; cards issued in DK and the EU/EEA: 1.25%; cards issued outside the EU/EEA: 2.75% for Dankort (Denmark, online), read at source on 9 October 2026. That is the published rate; what a merchant pays is set in the quoted rate.
What does PensoPay charge for card payments?
PensoPay publishes for card payments (Denmark, online): Visa, Mastercard: BASIS (DKK 0 per month): DKK 4 per transaction + 1.25% for acquiring; START-UP (DKK 49 per month): DKK 1 per transaction + 1.25% for acquiring; PRO (DKK 129 per month): 250 transactions per month included + 1.25% for acquiring, DKK 0.25 per further transaction; cards issued in DK and the EU/EEA: 1.25%; cards issued outside the EU/EEA: 2.75%. That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does PensoPay publish no price?
PensoPay publishes a price for every payment method it offers in the index (Denmark, online).
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 PensoPay 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.
