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Svea fees per payment method: the prices Svea publishes

Every price Svea 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 Svea 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

Svea fees by country and channel

Svea stands in the index with 9 payment methods for merchants established in Europe, and publishes a price for 6 of them.

Each rate is shown as Svea 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 FinlandAs per the customer's own Amex agreement; start fee €0; monthly fee €49 (+ VAT 25.5%)Plus the method owner’s fee, plus subscriptionRead at source on 28 September 2026Online
American Express Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
Apple Pay Merchants in Finland€0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026Online
Apple Pay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
Mastercard Merchants in FinlandMastercard €0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026Online
Mastercard Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
MobilePay Merchants in Finland€0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026Online
MobilePay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
PayPal Merchants in FinlandAs per the customer's own PayPal agreement + PayPal's own fees under your own agreement; start fee €0; monthly fee €49 (+ VAT 25.5%)Plus the method owner’s fee, plus subscriptionRead at source on 28 September 2026Online
Swish Merchants in SwedenNo price publishedRead at source on 7 October 2026Online
Trustly Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
Vipps MobilePay Merchants in FinlandNo price publishedRead at source on 20 September 2026Online
Vipps MobilePay Merchants in NorwayNo price publishedRead at source on 24 September 2026Online
Vipps MobilePay Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
Visa Merchants in FinlandVisa €0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%Percentage plus fixed amount, plus subscriptionRead at source on 28 September 2026Online
Visa Merchants in SwedenNo price publishedRead at source on 19 September 2026Online
Compare Svea 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 7 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 Svea fees

What does Svea charge for card payments?

Svea publishes for card payments (Finland, online): Visa: Visa €0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%; Mastercard: Mastercard €0.45/transaction + 1.90%; start fee €0; monthly fee €49 (+ VAT 25.5%, includes online bank, card and mobile payments); transaction fees VAT 0%. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Svea publish no price?

Svea offers these payment methods without a published price (Finland, online): 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 Svea 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.