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Swedbank fees per payment method: the prices Swedbank publishes

Every price Swedbank 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 Swedbank 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

Swedbank fees by country and channel

Swedbank stands in the index with 14 payment methods for merchants established in Europe, and publishes a price for 3 of them.

Each rate is shown as Swedbank 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 7 October 2026Online
American Express Merchants in DenmarkNo price publishedRead at source on 7 October 2026In-store
American Express Merchants in EstoniaNo price publishedRead at source on 6 October 2026In-store
American Express Merchants in LithuaniaNo price publishedRead at source on 19 September 2026In-store
American Express Merchants in LatviaNo price publishedRead at source on 6 October 2026In-store
American Express Merchants in NorwayNo price publishedRead at source on 2 October 2026In-store
American Express Merchants in SwedenNo price publishedRead at source on 2 October 2026In-store
Apple Pay Merchants in DenmarkNo price publishedRead at source on 12 October 2026Online
Apple Pay Merchants in DenmarkNo price publishedRead at source on 28 September 2026In-store
Apple Pay Merchants in FinlandNo price publishedRead at source on 28 September 2026Online
Apple Pay Merchants in LithuaniaCard payments operation fee: from 2.00% + €0.10 (special offer: from 1.50% + €0.08); monthly fee from €0; Apple Pay and Google Pay are included in the card payment solution at no additional costPercentage plus fixed amount, plus subscriptionRead at source on 2 October 2026Online
Apple Pay Merchants in LithuaniaNo price publishedRead at source on 28 September 2026In-store
Apple Pay Merchants in LatviaEEA cards: 1.20% + €0.10; non-EEA cards: 2.30% + €0.10 (VAT applicable to the fixed part of the fee)Percentage plus fixed amountRead at source on 19 September 2026Online
Apple Pay Merchants in LatviaNo price publishedRead at source on 28 September 2026In-store
Apple Pay Merchants in NorwayNo price publishedRead at source on 28 September 2026In-store
Diners Club Merchants in DenmarkNo price publishedRead at source on 20 September 2026Online
Diners Club Merchants in DenmarkNo price publishedRead at source on 7 October 2026In-store
Diners Club Merchants in FinlandNo price publishedRead at source on 20 September 2026Online
Diners Club Merchants in NorwayNo price publishedRead at source on 2 October 2026In-store
Diners Club Merchants in SwedenNo price publishedRead at source on 2 October 2026In-store
Google Pay Merchants in DenmarkNo price publishedRead at source on 12 October 2026Online
Google Pay Merchants in DenmarkNo price publishedRead at source on 28 September 2026In-store
Google Pay Merchants in FinlandNo price publishedRead at source on 28 September 2026Online
Google Pay Merchants in LithuaniaCard payments operation fee: from 2.00% + €0.10 (special offer: from 1.50% + €0.08); monthly fee from €0; Apple Pay and Google Pay are included in the card payment solution at no additional costPercentage plus fixed amount, plus subscriptionRead at source on 2 October 2026Online
Google Pay Merchants in LatviaEEA cards: 1.20% + €0.10; non-EEA cards: 2.30% + €0.10 (VAT applicable to the fixed part of the fee)Percentage plus fixed amountRead at source on 19 September 2026Online
Google Pay Merchants in LatviaNo price publishedRead at source on 28 September 2026In-store
Google Pay Merchants in NorwayNo price publishedRead at source on 28 September 2026In-store
JCB Merchants in DenmarkNo price publishedRead at source on 7 October 2026In-store
JCB Merchants in NorwayNo price publishedRead at source on 2 October 2026In-store
JCB Merchants in SwedenNo price publishedRead at source on 2 October 2026In-store
Mastercard Merchants in DenmarkNo price publishedRead at source on 7 October 2026Online
Mastercard Merchants in DenmarkNo price publishedRead at source on 7 October 2026In-store
Mastercard Merchants in FinlandNo price publishedRead at source on 28 September 2026In-store
Mastercard Merchants in LithuaniaNo price publishedRead at source on 28 September 2026Online
Mastercard Merchants in LithuaniaNo price publishedRead at source on 28 September 2026In-store
Mastercard Merchants in LatviaNo price publishedRead at source on 28 September 2026Online
Mastercard Merchants in LatviaNo price publishedRead at source on 6 October 2026In-store
Mastercard Merchants in NorwayNo price publishedRead at source on 2 October 2026In-store
Mastercard Merchants in SwedenNo price publishedRead at source on 2 October 2026In-store
MobilePay Merchants in DenmarkNo price publishedRead at source on 20 September 2026Online
MobilePay Merchants in FinlandNo price publishedRead at source on 12 October 2026Online
PayPal Merchants in LithuaniaOperation fee: €0.12 (special offer, valid until 31.01.2027; regular €0.15); monthly fee €0Fixed amountRead at source on 12 October 2026Online
PayPal Merchants in Latvia€0.10 + VAT, plus the contractual fee between the Merchant and Paypal + PayPal's own fees under your own agreementPlus the method owner’s feeRead at source on 19 September 2026Online
Samsung Pay Merchants in DenmarkNo price publishedRead at source on 28 September 2026In-store
Samsung Pay Merchants in NorwayNo price publishedRead at source on 28 September 2026In-store
Samsung Pay Merchants in SwedenNo price publishedRead at source on 20 September 2026In-store
Swish Merchants in SwedenNo price publishedRead at source on 10 September 2026Online and in-store
Trustly Merchants in SwedenNo price publishedRead at source on 20 September 2026Online
UnionPay Merchants in DenmarkNo price publishedRead at source on 7 October 2026In-store
UnionPay Merchants in EstoniaNo price publishedRead at source on 6 October 2026In-store
UnionPay Merchants in LithuaniaNo price publishedRead at source on 28 September 2026In-store
UnionPay Merchants in LatviaNo price publishedRead at source on 6 October 2026In-store
UnionPay Merchants in NorwayNo price publishedRead at source on 2 October 2026In-store
UnionPay Merchants in SwedenNo price publishedRead at source on 2 October 2026In-store
Vipps MobilePay Merchants in NorwayNo price publishedRead at source on 25 September 2026Online
Visa Merchants in DenmarkNo price publishedRead at source on 7 October 2026Online
Visa Merchants in DenmarkNo price publishedRead at source on 7 October 2026In-store
Visa Merchants in FinlandNo price publishedRead at source on 28 September 2026In-store
Visa Merchants in LithuaniaNo price publishedRead at source on 28 September 2026Online
Visa Merchants in LithuaniaNo price publishedRead at source on 28 September 2026In-store
Visa Merchants in LatviaNo price publishedRead at source on 28 September 2026Online
Visa Merchants in LatviaNo price publishedRead at source on 6 October 2026In-store
Visa Merchants in NorwayNo price publishedRead at source on 2 October 2026In-store
Visa Merchants in SwedenNo price publishedRead at source on 2 October 2026In-store
Compare Swedbank 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 10 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 Swedbank fees

What does Swedbank charge for PayPal?

Swedbank publishes €0.10 + VAT, plus the contractual fee between the Merchant and Paypal + PayPal's own fees under your own agreement for PayPal (Latvia, online), read at source on 19 September 2026. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Swedbank publish no price?

Swedbank offers these payment methods without a published price (Latvia, online): Mastercard, Visa.

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 Swedbank 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.