The fee you'll pay most of the time
The vast majority of payments you receive come from regular consumer cards issued in Europe. For these, the fee is:
⚠️ Users who activated Tap To Pay before 12.08.2026: European Economic Area-issued Visa & Mastercard (consumer cards) €0.12 + 1.1% of the transaction amount (excluding VAT)
Users who activated before 12.08.2026 will automatically switch over to the new pricing on the 10.10.2026
‼️ Users who activated Tap To Pay after 12.08.2026: European Economic Area-issued Visa & Mastercard (consumer cards) 1.35% of the transaction amount (excluding VAT)
These are the everyday Visa and Mastercard cards issued to individuals within the EEA, the cards your customers tap with day to day.
When a different fee applies
In rarer cases, a higher fee of 2,6% + 0.20€ (excluding VAT) applies. This is the case for:
consumer cards issued outside the EEA
commercial cards (business credit or debit cards), whether issued inside or outside the EEA
In short: whenever the card isn't a standard European consumer card, the €0.20 + 2.6% rate applies.
Do these fees include VAT?
No. All fees listed above exclude VAT.
VAT may be added where applicable according to local tax rules.