Visma Pay fees per payment method: the prices Visma Pay publishes
Every price Visma Pay 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 Visma Pay 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
Visma Pay fees by country and channel
Visma Pay stands in the index with 9 payment methods for merchants established in Europe, and publishes a price for 5 of them.
Each rate is shown as Visma Pay 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 Finland | No price publishedRead at source on 19 September 2026 | Online |
| Apple Pay Merchants in Finland | No price publishedRead at source on 9 October 2026 | Online |
| Google Pay Merchants in Finland | No price publishedRead at source on 9 October 2026 | Online |
| Klarna Pay Later Merchants in Finland | Express (€9.90 per month + VAT): €0.49 + 2.99%; Power (€49 per month + VAT): €0.44 + 1.99%; Power Plus (€79 per month + VAT, 24-month fixed term): €0.35 + 1.99%Percentage plus fixed amount, plus subscription, tieredRead at source on 28 September 2026 | Online |
| Klarna Pay Now Merchants in Finland | One Klarna price for all Klarna products. Express (€9.90 per month + VAT): €0.49 + 2.99%; Power (€49 per month + VAT): €0.44 + 1.99%; Power Plus (€79 per month + VAT, 24-month fixed term): €0.35 + 1.99%Percentage plus fixed amount, plus subscription, tieredRead at source on 5 October 2026 | Online |
| Klarna Pay Over Time Merchants in Finland | Express (€9.90 per month + VAT): €0.49 + 2.99%; Power (€49 per month + VAT): €0.44 + 1.99%; Power Plus (€79 per month + VAT, 24-month fixed term): €0.35 + 1.99%Percentage plus fixed amount, plus subscription, tieredRead at source on 28 September 2026 | Online |
| Mastercard Merchants in Finland | Visa, Visa Electron and Mastercard: Express (€9.90 per month + VAT): €0.49 + 2.99% (plan card: from €0.49 + 2.99%); Power (€49 per month + VAT): €0.44 + 1.99%; Power Plus (€79 per month + VAT, 24-month fixed term): from €0.35 + 1.50%; business or prepaid cards surcharge: Express +1%, Power +1%, Power Plus 0% (charged according to the price list); cards from outside the EEA surcharge: Express +1%, Power +1%, Power Plus 0% (charged according to the price list)Percentage plus fixed amount, plus subscription, tieredRead at source on 12 October 2026 | Online |
| MobilePay Merchants in Finland | No price publishedRead at source on 9 October 2026 | Online |
| Visa Merchants in Finland | Visa, Visa Electron and Mastercard: Express (€9.90 per month + VAT): €0.49 + 2.99% (plan card: from €0.49 + 2.99%); Power (€49 per month + VAT): €0.44 + 1.99%; Power Plus (€79 per month + VAT, 24-month fixed term): from €0.35 + 1.50%; business or prepaid cards surcharge: Express +1%, Power +1%, Power Plus 0% (charged according to the price list); cards from outside the EEA surcharge: Express +1%, Power +1%, Power Plus 0% (charged according to the price list)Percentage plus fixed amount, plus subscription, tieredRead at source on 12 October 2026 | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 19 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 Visma Pay fees
What does Visma Pay charge for card payments?
Visma Pay publishes for card payments (Finland, online): Visa, Mastercard: Visa, Visa Electron and Mastercard: Express (€9.90 per month + VAT): €0.49 + 2.99% (plan card: from €0.49 + 2.99%); Power (€49 per month + VAT): €0.44 + 1.99%; Power Plus (€79 per month + VAT, 24-month fixed term): from €0.35 + 1.50%; business or prepaid cards surcharge: Express +1%, Power +1%, Power Plus 0% (charged according to the price list); cards from outside the EEA surcharge: Express +1%, Power +1%, Power Plus 0% (charged according to the price list). That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does Visma Pay publish no price?
Visma Pay offers these payment methods without a published price (Finland, online): American Express, Apple Pay, Google Pay, 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 Visma Pay 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.
