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UniCredit fees per payment method: the prices UniCredit publishes

Every price UniCredit 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 UniCredit 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

UniCredit fees by country and channel

UniCredit stands in the index with 20 payment methods for merchants established in Europe, and publishes a price for 11 of them.

Each rate is shown as UniCredit 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
Alipay Merchants in HungaryNo price publishedRead at source on 20 September 2026In-store
Alipay Merchants in ItalyAlipay eCommerce: 4.00% + €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026Online
Alipay Merchants in ItalyNo price publishedRead at source on 12 October 2026In-store
American Express Merchants in CzechiaNo price publishedRead at source on 2 October 2026In-store
Apple Pay Merchants in AustriaNo price publishedRead at source on 20 September 2026In-store
Apple Pay Merchants in BulgariaNo price publishedRead at source on 20 September 2026Online
Apple Pay Merchants in CroatiaNo price publishedRead at source on 20 September 2026In-store
Apple Pay Merchants in HungaryNo price publishedRead at source on 20 September 2026Online
BANCOMAT Pay Merchants in ItalyUp to €14.99: 1.75% (MIF 0.20%, Scheme 0.05%); €15 to €24.49: 1.75% (MIF 0.20%, Scheme 0.05%); above €24.50: 1.75% (MIF 0.20%, Scheme 0.05%); reduced MIF 0.10% on transactions below €5.00; MIF++ option: variable mark-up 3.00% or fixed mark-up €1.80; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of salePercentage plus fixed amountRead at source on 28 September 2026Online
BANCOMAT Pay Merchants in ItalyUp to €14.99: 1.75%; €15 to €24.49: 1.75%; above €24.50: 1.75% (each of which MIF 0.10%, scheme 0.08%); or MIF++ with variable mark-up 3.00%; or MIF++ with fixed mark-up €1.80Percentage plus fixed amountRead at source on 12 October 2026In-store
bcard Merchants in BulgariaNo price publishedRead at source on 29 September 2026In-store
Diners Club Merchants in BulgariaNo price publishedRead at source on 20 September 2026Online
Diners Club Merchants in BulgariaNo price publishedRead at source on 20 September 2026In-store
Diners Club Merchants in ItalyNo price publishedRead at source on 19 September 2026In-store
eps Merchants in AustriaNo price publishedRead at source on 10 September 2026Online
Flik Merchants in SloveniaNo price publishedRead at source on 22 September 2026In-store
Google Pay Merchants in AustriaNo price publishedRead at source on 20 September 2026In-store
Google Pay Merchants in BulgariaNo price publishedRead at source on 20 September 2026Online
Google Pay Merchants in CroatiaNo price publishedRead at source on 20 September 2026In-store
Google Pay Merchants in HungaryNo price publishedRead at source on 20 September 2026Online
JCB Merchants in CzechiaNo price publishedRead at source on 2 October 2026In-store
JCB Merchants in ItalyConsumer cards issued by other banks: Debit: 4.80% (MIF 0.20%, Scheme 0.11%); Credit: 5.00% (MIF 0.30%, Scheme 0.11%); EU commercial and non-EU cards issued by other banks: Debit: 4.80%; Credit: 5.00%; MIF++ option: variable mark-up 3.50% or fixed mark-up €8.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
Maestro Merchants in AustriaNo price publishedRead at source on 20 September 2026In-store
Maestro Merchants in BulgariaNo price publishedRead at source on 20 September 2026Online
Maestro Merchants in BulgariaNo price publishedRead at source on 20 September 2026In-store
Maestro Merchants in CroatiaNo price publishedRead at source on 19 September 2026In-store
Maestro Merchants in HungaryNo price publishedRead at source on 20 September 2026Online
Maestro Merchants in HungaryNo price publishedRead at source on 20 September 2026In-store
Maestro Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 4.50%; MIF++ option: variable mark-up 3.00% or fixed mark-up €1.80; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026Online
Maestro Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 4.50%; MIF++ option: variable mark-up 3.00% or fixed mark-up €1.80; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
Maestro Merchants in SloveniaNo price publishedRead at source on 20 September 2026In-store
Mastercard Merchants in AustriaNo price publishedRead at source on 20 September 2026In-store
Mastercard Merchants in BulgariaNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in BulgariaNo price publishedRead at source on 29 September 2026In-store
Mastercard Merchants in CzechiaNo price publishedRead at source on 2 October 2026In-store
Mastercard Merchants in CroatiaNo price publishedRead at source on 19 September 2026Online
Mastercard Merchants in CroatiaNo price publishedRead at source on 19 September 2026In-store
Mastercard Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); Credit: 3.65% (MIF 0.30%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); Credit: 4.50% (MIF 0.30%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid/Credit: 4.50%; MIF++ option: variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026Online
Mastercard Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); Credit: 3.65% (MIF 0.30%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); Credit: 4.50% (MIF 0.30%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid/Credit: 4.50%; MIF++ option: variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
Mastercard Merchants in RomaniaNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in RomaniaWithout package: cards issued by UniCredit Bank (incl. voucher cards): 1.10%; consumer cards issued in Romania: 1.10% or Interchange++ plus UCB margin 0.30%; consumer cards issued outside Romania: 1.20% or Interchange++ plus UCB margin 0.30%; commercial cards issued in and outside Romania: 1.90% or Interchange++ plus UCB margin 0.30%; MicroStar, Creativ, Progresiv packages: UniCredit cards: 0.70%; consumer cards issued in Romania: 0.70%; consumer cards issued outside Romania: 1.20%; commercial cards: 1.90%; POS terminal: RON 65.00 per month per terminal when monthly successful transactions are RON 2,000 or less, RON 0 above RON 2,000; SoftPOS: RON 30.00 per month per application when monthly successful SoftPOS transactions are RON 500 or lessPercentage plus fixed amount, plus subscription, tieredRead at source on 12 October 2026In-store
Mastercard Merchants in SloveniaNo price publishedRead at source on 20 September 2026In-store
Mastercard Merchants in SlovakiaNo price publishedRead at source on 2 October 2026In-store
Mastercard Debit Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 4.50%; MIF++ option (Mastercard): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 5 October 2026Online
Mastercard Debit Merchants in ItalyConsumer cards issued by the bank: Debit: 3.55% (MIF 0.20%, Scheme 0.11%); consumer cards issued by other banks: Debit: 4.50% (MIF 0.20%, Scheme 0.18%); commercial cards issued by the bank: Debit: 3.55%; EU commercial and non-EU cards issued by other banks: Debit: 4.50%; MIF++ option (Mastercard): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
PagoBANCOMAT Merchants in ItalyBANCOMAT (blended): consumer debit/prepaid cards issued by the Bank 2.75% (of which MIF 0.20%, scheme 0.05%); issued by other institutions 2.75% (of which MIF 0.20%, scheme 0.08%); minimum fee on transacted amount €17.00; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions up to €30; discount 0.05% above total volume €100,000.00 per calendar year per point of sale. Alternatively MIF++ with variable mark-up 3.00% or fixed mark-up €1.80. Circuit applies reduced MIF 0.10% to transactions below €5.00.Percentage plus fixed amount, with minimum, tieredRead at source on 9 October 2026In-store
PayPal Merchants in AustriaNo price publishedRead at source on 7 October 2026Online
SEPA Direct Debit Merchants in AustriaNo price publishedRead at source on 17 September 2026Online
UnionPay Merchants in BulgariaDebit, prepaid, credit and corporate cards: 2.50% of the transaction value; POS terminal usage fee where monthly turnover is up to €750 inclusive: €7.67 (BGN 15.00), VAT appliesPercentage, plus subscriptionRead at source on 28 September 2026In-store
UnionPay Merchants in CzechiaNo price publishedRead at source on 2 October 2026In-store
UnionPay Merchants in ItalyConsumer cards issued by other banks: Debit: 3.80% (MIF 0.20%, Scheme 0.10%); Credit: 4.00% (MIF 0.30%, Scheme 0.10%); EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; Credit: 4.00% (footnote: the credit card rate applies to all categories, as debit and prepaid cannot be told apart); MIF++ option: variable mark-up 3.20% or fixed mark-up €12.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
V PAY Merchants in BulgariaNo price publishedRead at source on 20 September 2026In-store
V PAY Merchants in CroatiaNo price publishedRead at source on 19 September 2026In-store
V PAY Merchants in HungaryNo price publishedRead at source on 20 September 2026In-store
V PAY Merchants in ItalyPercentage commission on volume (VISA / V PAY / Visa Electron): consumer cards issued by the bank: Debit: 3.55% (of which MIF 0.20%, Scheme 0.09%); Prepaid: 3.55% (of which MIF 0.20%, Scheme 0.09%); Credit: 3.65% (of which MIF 0.30%, Scheme 0.09%); consumer cards issued by other banks: Debit: 3.80% (of which MIF 0.20%, Scheme 0.11%); Prepaid: 3.80% (of which MIF 0.20%, Scheme 0.11%); Credit: 4.50% (of which MIF 0.30%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial cards and non-EU cards issued by other banks: Debit: 3.80%; Prepaid: 3.80%; Credit: 4.50%; €0.10 per collection transaction; reversal €1.00; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 9 October 2026In-store
V PAY Merchants in SloveniaNo price publishedRead at source on 28 September 2026In-store
Visa Merchants in AustriaNo price publishedRead at source on 20 September 2026In-store
Visa Merchants in BulgariaNo price publishedRead at source on 20 September 2026Online
Visa Merchants in BulgariaNo price publishedRead at source on 29 September 2026In-store
Visa Merchants in CzechiaNo price publishedRead at source on 2 October 2026In-store
Visa Merchants in CroatiaNo price publishedRead at source on 19 September 2026Online
Visa Merchants in CroatiaNo price publishedRead at source on 19 September 2026In-store
Visa Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.09%); Credit: 3.65% (MIF 0.30%, Scheme 0.09%); consumer cards issued by other banks: Debit/Prepaid: 3.80% (MIF 0.20%, Scheme 0.11%); Credit: 4.50% (MIF 0.30%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; Credit: 4.50%; MIF++ option: variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026Online
Visa Merchants in ItalyConsumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.09%); Credit: 3.65% (MIF 0.30%, Scheme 0.09%); consumer cards issued by other banks: Debit/Prepaid: 3.80% (MIF 0.20%, Scheme 0.11%); Credit: 4.50% (MIF 0.30%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; Credit: 4.50%; MIF++ option: variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
Visa Merchants in RomaniaNo price publishedRead at source on 20 September 2026Online
Visa Merchants in RomaniaWithout package: cards issued by UniCredit Bank (incl. voucher cards): 1.10%; consumer cards issued in Romania: 1.10% or Interchange++ plus UCB margin 0.30%; consumer cards issued outside Romania: 1.20% or Interchange++ plus UCB margin 0.30%; commercial cards issued in and outside Romania: 1.90% or Interchange++ plus UCB margin 0.30%; MicroStar, Creativ, Progresiv packages: UniCredit cards: 0.70%; consumer cards issued in Romania: 0.70%; consumer cards issued outside Romania: 1.20%; commercial cards: 1.90%; POS terminal: RON 65.00 per month per terminal when monthly successful transactions are RON 2,000 or less, RON 0 above RON 2,000; SoftPOS: RON 30.00 per month per application when monthly successful SoftPOS transactions are RON 500 or lessPercentage plus fixed amount, plus subscription, tieredRead at source on 12 October 2026In-store
Visa Merchants in SloveniaNo price publishedRead at source on 20 September 2026In-store
Visa Merchants in SlovakiaNo price publishedRead at source on 2 October 2026In-store
Visa Debit Merchants in ItalyVisa/V PAY/Visa Electron Debit: consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.09%); consumer cards issued by other banks: Debit/Prepaid: 3.80% (MIF 0.20%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; pharmacies, parapharmacies and health corners only: €180.00 per month per virtual point of sale; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 5 October 2026Online
Visa Debit Merchants in ItalyVisa/V PAY/Visa Electron Debit: consumer cards issued by the bank: 3.55% (MIF 0.20%, Scheme 0.09%); consumer cards issued by other banks: 3.80% (MIF 0.20%, Scheme 0.11%); commercial cards issued by the bank: 3.55%; EU commercial and non-EU cards issued by other banks: 3.80%; MIF++ option (VISA): variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of salePercentage plus fixed amount, tieredRead at source on 28 September 2026In-store
Compare UniCredit 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 UniCredit fees

What does UniCredit charge for card payments?

UniCredit publishes for card payments (Italy, in-store): Visa: Consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.09%); Credit: 3.65% (MIF 0.30%, Scheme 0.09%); consumer cards issued by other banks: Debit/Prepaid: 3.80% (MIF 0.20%, Scheme 0.11%); Credit: 4.50% (MIF 0.30%, Scheme 0.11%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid: 3.80%; Credit: 4.50%; MIF++ option: variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of sale; Mastercard: Consumer cards issued by the bank: Debit/Prepaid: 3.55% (MIF 0.20%, Scheme 0.11%); Credit: 3.65% (MIF 0.30%, Scheme 0.11%); consumer cards issued by other banks: Debit/Prepaid: 4.50% (MIF 0.20%, Scheme 0.18%); Credit: 4.50% (MIF 0.30%, Scheme 0.18%); commercial cards issued by the bank: Debit/Prepaid: 3.55%; Credit: 3.75%; EU commercial and non-EU cards issued by other banks: Debit/Prepaid/Credit: 4.50%; MIF++ option: variable mark-up 3.20% or fixed mark-up €2.50; €0.10 per collection transaction; reversal €1.00; discount 0.05% on transactions of €30 or less; discount 0.05% above €100,000.00 transacted volume per calendar year per point of sale. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does UniCredit publish no price?

UniCredit offers these payment methods without a published price (Italy, in-store): Alipay, Diners Club.

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 UniCredit 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.