PostePay fees per payment method: the prices PostePay publishes
Every price PostePay 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 PostePay 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
PostePay fees by country and channel
PostePay stands in the index with 10 payment methods for merchants established in Europe, and publishes a price for 7 of them.
Each rate is shown as PostePay 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 |
|---|---|---|
| American Express Merchants in Italy | No price publishedRead at source on 12 October 2026 | In-store |
| Apple Pay Merchants in Italy | No price publishedRead at source on 20 September 2026 | In-store |
| Google Pay Merchants in Italy | No price publishedRead at source on 20 September 2026 | In-store |
| Maestro Merchants in Italy | Maestro debit 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 Maestro/MasterCard (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, tieredRead at source on 5 October 2026 | Online |
| Maestro Merchants in Italy | Maestro 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; Postepay cards co-branded Maestro/MasterCard (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, tieredRead at source on 28 September 2026 | In-store |
| Mastercard Merchants in Italy | Debit/prepaid MasterCard: 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; Credit MasterCard: up to €5: domestic and intra-EEA 4.50% + €2.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.52% + €2.80, extra-EEA 5.52% + €3.80; Corporate credit MasterCard: up to €5: domestic and intra-EEA 5.50% + €2.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.52% + €2.80, extra-EEA 6.52% + €3.80; Postepay prepaid / BancoPosta debit / Postamat BancoPosta Click co-branded Maestro/MasterCard (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, tieredRead at source on 5 October 2026 | Online |
| Mastercard Merchants in Italy | Debit/prepaid MasterCard (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; Credit MasterCard: up to €5: domestic and intra-EEA 4.00% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Credit MasterCard contactless: up to €5: domestic and intra-EEA 4.30% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Corporate MasterCard: up to €5: domestic and intra-EEA 4.50% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €3.80; Corporate MasterCard contactless: up to €5: domestic and intra-EEA 5.30% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €3.80; Postepay cards co-branded Maestro/MasterCard (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, tieredRead at source on 28 September 2026 | In-store |
| Mastercard Debit Merchants in Italy | Mastercard 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 Maestro/MasterCard (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, tieredRead at source on 5 October 2026 | Online |
| Mastercard Debit Merchants in Italy | Mastercard debit and 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 Maestro/MasterCard (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, tieredRead at source on 5 October 2026 | In-store |
| PagoBANCOMAT Merchants in Italy | Maximum commissions. Transactions up to €5: 3.00% and €1.80 per transaction (contactless: 3.00% and €1.80). Transactions above €5: 3.50% and €2.00 per transaction (contactless: 3.50% and €2.00). Extra-EEA: n.a.Percentage plus fixed amountRead at source on 7 October 2026 | In-store |
| V PAY 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, tieredRead at source on 28 September 2026 | In-store |
| Visa Merchants in Italy | Debit/prepaid Visa and Visa Electron: 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; Credit Visa/Visa Electron: up to €5: domestic and intra-EEA 4.50% + €2.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.52% + €2.80, extra-EEA 5.52% + €3.80; Corporate credit Visa: up to €5: domestic and intra-EEA 5.50% + €2.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.52% + €2.80, extra-EEA 6.52% + €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, tieredRead at source on 5 October 2026 | Online |
| Visa Merchants in Italy | Debit/prepaid Visa, Visa Electron and VPAY (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; Credit Visa and Visa Electron: up to €5: domestic and intra-EEA 4.00% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Credit Visa/Visa Electron contactless: up to €5: domestic and intra-EEA 4.30% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Corporate Visa: up to €5: domestic and intra-EEA 4.50% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €3.80; Corporate Visa contactless: up to €5: domestic and intra-EEA 5.30% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €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, tieredRead at source on 28 September 2026 | In-store |
| Visa Debit 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, tieredRead at source on 5 October 2026 | Online |
| Visa Debit 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, tieredRead at source on 28 September 2026 | In-store |
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 PostePay fees
What does PostePay charge for card payments?
PostePay publishes for card payments (Italy, in-store): Visa: Debit/prepaid Visa, Visa Electron and VPAY (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; Credit Visa and Visa Electron: up to €5: domestic and intra-EEA 4.00% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Credit Visa/Visa Electron contactless: up to €5: domestic and intra-EEA 4.30% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Corporate Visa: up to €5: domestic and intra-EEA 4.50% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €3.80; Corporate Visa contactless: up to €5: domestic and intra-EEA 5.30% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €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); Mastercard: Debit/prepaid MasterCard (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; Credit MasterCard: up to €5: domestic and intra-EEA 4.00% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Credit MasterCard contactless: up to €5: domestic and intra-EEA 4.30% + €3.80, extra-EEA 5.50% + €3.80; above €5: domestic and intra-EEA 4.50% + €4.00, extra-EEA 5.52% + €3.80; Corporate MasterCard: up to €5: domestic and intra-EEA 4.50% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €3.80; Corporate MasterCard contactless: up to €5: domestic and intra-EEA 5.30% + €3.80, extra-EEA 6.50% + €3.80; above €5: domestic and intra-EEA 5.50% + €4.00, extra-EEA 6.52% + €3.80; Postepay cards co-branded Maestro/MasterCard (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). That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does PostePay publish no price?
PostePay offers these payment methods without a published price (Italy, 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 PostePay 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.
