The total price of a card payment is made up of three parts:
Interchange fee – the commission received by the specific banking institution that issued the payment card in question.
Card scheme fee – the commission received by the specific card company (e.g. VISA or MasterCard) that processed the payment with the payment card in question.
Other fees – fees divided between the banking institutions and other companies that took part in processing the specific payment transaction.
Depending on the card category, the card brand and where it was issued, we distinguish between regulated payment cards and other (unregulated) payment cards.
Regulated payment cards (consumer debit and credit cards issued in the European Economic Area under the VISA, VISA Electron, V Pay, MasterCard and Maestro brands) are subject to Regulation (EU) 2015/751 of the European Parliament and of the Council, which sets the maximum level of the interchange fee and the card scheme fee.
Other payment cards (commercial VISA, VISA Electron, V Pay, MasterCard and Maestro cards and consumer VISA, VISA Electron, V Pay, MasterCard cards issued outside the European Economic Area) and Maestro are not subject to this regulation, so the total price of a payment with them is higher.
As the table Share of the individual card types below in this article shows, however, in the vast majority of cases we see payments with regulated cards.
Below you will find a complete overview of the fees for regulated and other payment cards.
Regulated payment cards
Card category | Card brand | Interchange fee 1) | Card scheme fee 2) | Other fees 3) | Total fee 4) | Share of the card type |
Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | 95.7 % |
consumer debit | VISA, VISA Electron, V Pay | 0.20 % | 0.19 % | 1.76 % + CZK 3 | 2.15 % + CZK 3 | 46.3 % |
consumer debit | MasterCard, Maestro | 0.20 % | 0.24 % | 1.76 % + CZK 3 | 2.20 % + CZK 3 | 39.7 % |
consumer credit | VISA, VISA Electron, V Pay | 0.23 % | 0.18 % | 1.76 % + CZK 3 | 2.17 % + CZK 3 | 4 % |
consumer credit | MasterCard, Maestro | 0.30 % | 0.24 % | 1.76 % + CZK 3 | 2.30 % + CZK 3 | 5.7 % |
Other payment cards (unregulated)
Card category | Card brand | Interchange fee 1) | Card scheme fee 2) | Other fees 3) | Total fee 4) | Share of the card type |
Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area | 3.4 % |
commercial | VISA, VISA Electron, V Pay | 1.49 % | 0.19 % | 1.76 % + CZK 3 | 3.4 % + CZK 3 | 1.8 % |
commercial | MasterCard, Maestro | 1.81 % | 0.25 % | 1.76 % + CZK 3 | 3.82 % + CZK 3 | 1.6 % |
Cards issued outside the European Economic Area | Cards issued outside the European Economic Area | Cards issued outside the European Economic Area | Cards issued outside the European Economic Area | Cards issued outside the European Economic Area | Cards issued outside the European Economic Area | 0.9 % |
consumer and commercial | VISA, VISA Electron, V Pay | 0.20 % – 1.70 % | 1.11 % | 1.76 % + CZK 3 | 3.07 % – 4.57 % + CZK 3 | 0.58 % |
consumer and commercial | MasterCard, Maestro | 0.20 % – 1.70 % | 0.88 % | 1.76 % + CZK 3 | 2.84 % – 4.34 % + CZK 3 | 0.32 % |
1) The commission for the banking institution that issued the payment card in question. The list of fees is not a complete list of the interchange fee rates that may be applied when settling transactions. GOPAY reserves the right to apply to individual transactions the relevant fee passed to it by the payment method operator.
2) The commission for the card company that processed the payment with the payment card in question. It is the average cost (range) of a card transaction of the VISA and MasterCard card companies. GOPAY reserves the right to apply to individual transactions the relevant fee set by the payment method operator.
3) Fees of GoPay and of third parties (e.g. authorisation centres, acquirers and others) that provide services related to the payment. For individual pricing arrangements the fee is determined on the basis of an individual calculation. Instead of CZK 3, the fee can be charged in another currency according to the account currency, at EUR 0.12 / USD 0.13 / GBP 0.11 / PLN 0.58 / HUF 48 / RON 0.70 / BGN 0.30.
4) The average total cost of a card payment. Instead of CZK 3, the fee can be charged in another currency according to the account currency, at EUR 0.12 / USD 0.13 / GBP 0.11 / PLN 0.58 / HUF 48 / RON 0.70 / BGN 0.30.
Share of the individual card types
On the basis of long-term monitoring of payments, we give indicative shares of the individual card types in all card payments.
Card category | Card brand | Share of all card payments |
Cards issued in the European Economic Area | Cards issued in the European Economic Area | Cards issued in the European Economic Area |
consumer debit | VISA, VISA Electron, V Pay | 46.3 % |
consumer debit | MasterCard, Maestro | 39.7 % |
consumer credit | VISA, VISA Electron, V Pay | 4 % |
consumer credit | MasterCard | 5.7 % |
commercial | VISA, VISA Electron, V Pay | 1.8 % |
commercial | MasterCard, Maestro | 1.6 % |
Cards issued outside the European Economic Area | Cards issued outside the European Economic Area | Cards issued outside the European Economic Area |
consumer and commercial | VISA, VISA Electron, V Pay | 0.58 % |
consumer and commercial | MasterCard, Maestro | 0.32 % |
If you do not want to accept a particular category of payment cards (because of a higher interchange fee, for example), let us know and we will send you a corresponding offer based on your request. At the same time we will deactivate that particular category of payment cards at your merchant outlet, so that holders of such a payment card will not be able to pay with you.
💡 GoPay tip: Once you decide not to accept a particular category of payment cards, you have to inform your customers of this in a clear and unambiguous way.