ZahlungsWERK fees per payment method: the prices ZahlungsWERK publishes
Every price ZahlungsWERK 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 ZahlungsWERK 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
ZahlungsWERK fees by country and channel
ZahlungsWERK stands in the index with 8 payment methods for merchants established in Europe, and publishes a price for 3 of them.
Each rate is shown as ZahlungsWERK 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 Germany | No price publishedRead at source on 28 September 2026 | In-store |
| Diners Club Merchants in Germany | No price publishedRead at source on 28 September 2026 | In-store |
| Discover Merchants in Germany | No price publishedRead at source on 28 September 2026 | In-store |
| girocard Merchants in Germany | No price publishedRead at source on 20 September 2026 | Online |
| girocard Merchants in Germany | 0.69% of the transaction amount (flat model; hotels of any kind excluded); transaction fee €0; terminal rental from €12.50 per monthPercentage, plus subscriptionRead at source on 12 October 2026 | In-store |
| JCB Merchants in Germany | No price publishedRead at source on 28 September 2026 | In-store |
| Mastercard Merchants in Germany | 0.69% of the transaction amount (flat model; hotels of any kind excluded); transaction fee €0; terminal rental from €12.50 per monthPercentage, plus subscriptionRead at source on 12 October 2026 | In-store |
| UnionPay Merchants in Germany | No price publishedRead at source on 28 September 2026 | In-store |
| Visa Merchants in Germany | 0.69% of the transaction amount (flat model; hotels of any kind excluded); transaction fee €0; terminal rental from €12.50 per monthPercentage, plus subscriptionRead at source on 12 October 2026 | In-store |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 20 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 ZahlungsWERK fees
What does ZahlungsWERK charge for card payments?
ZahlungsWERK publishes for card payments (Germany, in-store): Visa, Mastercard: 0.69% of the transaction amount (flat model; hotels of any kind excluded); transaction fee €0; terminal rental from €12.50 per month. That is the published rate; what a merchant pays is set in the quoted rate.
For which payment methods does ZahlungsWERK publish no price?
ZahlungsWERK offers these payment methods without a published price (Germany, in-store): American Express, Diners Club, Discover, JCB, UnionPay.
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 ZahlungsWERK 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.
