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VR Payment fees per payment method: the prices VR Payment publishes

Every price VR Payment 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 VR Payment 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

VR Payment fees by country and channel

VR Payment stands in the index with 13 payment methods for merchants established in Europe, and publishes a price for 2 of them.

Each rate is shown as VR Payment 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 GermanyNo price publishedRead at source on 7 October 2026Online
American Express Merchants in GermanyNo price publishedRead at source on 28 September 2026In-store
Apple Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Apple Pay Merchants in GermanyNo price publishedRead at source on 19 September 2026In-store
Diners Club Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Diners Club Merchants in GermanyNo price publishedRead at source on 19 September 2026In-store
Discover Merchants in GermanyNo price publishedRead at source on 19 September 2026In-store
girocard Merchants in Germany4YOU and new KNB (from 21.02.2023): girocard fee by terminal location: domestic 0.19% (0.185% for KNB), EU 0.20%, non-EU 0.30%, VAT-exempt, each + service charge 0.03% (recommended retail price); Scheme Manager Fee 0.00209% of gross girocard turnover per billing period; 4YOU model up to 30.09.2022 and elective model for existing KNB: girocard fee by issuer concentrator: VÖB 0.160%, BDB 0.185%, DZ BANK 0.175%, DSGV 0.175%, Deutsche Bank 0.180%, Postbank 0.180%, Commerzbank 0.190%, UniCredit (HypoVereinsbank) 0.190%, comdirect 0.195%; processing fee €0.10 per 10 girocard transactions + VAT; only in VR Payment network operationProcessing fee + Interchange plus plus, tieredRead at source on 7 October 2026In-store
Google Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Google Pay Merchants in GermanyNo price publishedRead at source on 19 September 2026In-store
JCB Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
JCB Merchants in GermanyNo price publishedRead at source on 28 September 2026In-store
Maestro Merchants in GermanyNo price publishedRead at source on 19 September 2026In-store
Mastercard Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Mastercard Merchants in GermanyNo price publishedRead at source on 28 September 2026In-store
UnionPay Merchants in GermanyNo price publishedRead at source on 28 September 2026In-store
V PAY Merchants in GermanyNo price publishedRead at source on 19 September 2026In-store
Visa Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
Visa Merchants in GermanyNo price publishedRead at source on 28 September 2026In-store
Wero Merchants in GermanyWero as add-on option: monthly fixed costs €0.00 for the first 12 months, from month 13 €24.90; merchant service charge 0.85%; transaction fee €0.05; additional €0.04 per transaction under €15; surcharge for Shopify: 0.30% of turnover; contract term 12 monthsPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Compare VR Payment 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 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 VR Payment fees

What does VR Payment charge for Wero?

VR Payment publishes Wero as add-on option: monthly fixed costs €0.00 for the first 12 months, from month 13 €24.90; merchant service charge 0.85%; transaction fee €0.05; additional €0.04 per transaction under €15; surcharge for Shopify: 0.30% of turnover; contract term 12 months for Wero (Germany, online), read at source on 12 October 2026. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does VR Payment publish no price?

VR Payment offers these payment methods without a published price (Germany, online): American Express, Apple Pay, Diners Club, Google Pay, JCB, 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 VR Payment 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.