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Surfboard Payments fees per payment method: the prices Surfboard Payments publishes

Every price Surfboard Payments 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 Surfboard Payments 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

Surfboard Payments fees by country and channel

Surfboard Payments stands in the index with 13 payment methods for merchants established in Europe, and publishes a price for 6 of them.

Each rate is shown as Surfboard Payments 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
American Express Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
American Express Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
American Express Merchants in NorwayNo price publishedRead at source on 7 October 2026Online and in-store
American Express Merchants in SwedenNo price publishedRead at source on 7 October 2026Online and in-store
Apple Pay Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
Apple Pay Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
Apple Pay Merchants in NorwayNo price publishedRead at source on 7 October 2026Online and in-store
Apple Pay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online and in-store
BankAxept Merchants in NorwayNo price publishedRead at source on 24 September 2026In-store
Dankort Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
Discover Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
Discover Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
Discover Merchants in NorwayNo price publishedRead at source on 7 October 2026Online
Discover Merchants in NorwayNo price publishedRead at source on 7 October 2026In-store
Discover Merchants in SwedenCard payments (Visa, Mastercard & Discover): 0.99% Minimum SEK 0.99Percentage, with minimumRead at source on 8 October 2026In-store
Google Pay Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
Google Pay Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
Google Pay Merchants in NorwayNo price publishedRead at source on 7 October 2026Online and in-store
Google Pay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online and in-store
Klarna Pay Later Merchants in SwedenOne Klarna price for all Klarna products. Klarna: 2.79% + SEK 3.50Percentage plus fixed amountRead at source on 28 September 2026In-store
Klarna Pay Over Time Merchants in SwedenOne Klarna price for all Klarna products. Klarna: 2.79% + SEK 3.50Percentage plus fixed amountRead at source on 28 September 2026In-store
Mastercard Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
Mastercard Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
Mastercard Merchants in NorwayNo price publishedRead at source on 24 September 2026Online and in-store
Mastercard Merchants in SwedenCard payments (Visa, Mastercard & Discover): 0.99% Minimum SEK 0.99Percentage, with minimumRead at source on 8 October 2026In-store
MobilePay Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
MobilePay Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
MobilePay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online and in-store
Swish Merchants in SwedenSwish: 0.99% Minimum SEK 1.50Percentage, with minimumRead at source on 8 October 2026In-store
Vipps MobilePay Merchants in NorwayNo price publishedRead at source on 24 September 2026Online and in-store
Vipps MobilePay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online and in-store
Visa Merchants in DenmarkNo price publishedRead at source on 2 October 2026Online and in-store
Visa Merchants in FinlandNo price publishedRead at source on 2 October 2026Online and in-store
Visa Merchants in NorwayNo price publishedRead at source on 24 September 2026Online and in-store
Visa Merchants in SwedenCard payments (Visa, Mastercard & Discover): 0.99% Minimum SEK 0.99Percentage, with minimumRead at source on 8 October 2026In-store
Compare Surfboard Payments 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 19 September 2026 and 8 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 Surfboard Payments fees

What does Surfboard Payments charge for Swish?

Surfboard Payments publishes Swish: 0.99% Minimum SEK 1.50 for Swish (Sweden, in-store), read at source on 8 October 2026. That is the published rate; what a merchant pays is set in the quoted rate.

What does Surfboard Payments charge for card payments?

Surfboard Payments publishes for card payments (Sweden, in-store): Visa, Mastercard: Card payments (Visa, Mastercard & Discover): 0.99% Minimum SEK 0.99. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Surfboard Payments publish no price?

Surfboard Payments offers these payment methods without a published price (Sweden, in-store): American Express, Apple Pay, Google Pay, MobilePay, Vipps MobilePay.

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 Surfboard Payments 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.