What is the fee for card payments comprised of?
The total fee charged for card payments depends on whether the card (by which the payment is made) is subject to regulation (European Parliament and Council Regulation 2015/751) or not.
There are three sections which determine the final amount of fee charged for both regulated and not regulated cards:
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Interchange fee - fee paid to a bank which issued the particular payment card (customer's bank)
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Fee paid to a card association - fee paid to a card company (VISA or MasterCard) which processed the particular card transaction
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Other fees - fees divided between bank institutions and other companies which participate in payment process
You can see fees charged for the most used types of cards in List of fees for payment gateway in effect as of 1/7/2023. Below you can see fees for other types of cards.
Regulated payment cards
| Payment card category | Card association | Interchange fee 1) | Fee paid to a card association 2) | Other fees3) | Total fee4) |
|---|---|---|---|---|---|
| Cards issued in the European Economic Area | |||||
| consumer debit | VISA, VISA Electron, V Pay | 0.20 % | 0.14 % | 1.76 % + 3 CZK | 2.1 % + 3 CZK |
| MasterCard, Maestro | 0.20 % | 0.27 % | 1.76 % + 3 CZK | 2.23 % + 3 CZK | |
| consumer credit | VISA, VISA Electron, V Pay | 0.30 % | 0.15 % | 1.76 % + 3 CZK | 2.21 % + 3 CZK |
| MasterCard, Maestro | 0.30 % | 0.27 % | 1.76 % + 3 CZK | 2.33 % + 3 CZK | |
Other payment cards (not regulated)
| Payment card category | Card association | Interchange fee 1) | Fee paid to a card association 2) | Other fees3) | Total fee4) |
|---|---|---|---|---|---|
| Cards issued in the European Economic Area | |||||
| business | VISA, VISA Electron, V Pay | 1.60 % | 0.14 % | 1.76 % + 3 CZK | 3.5 % + 3 CZK |
| MasterCard, Maestro | 1.60 % | 0.28 % | 1.76 % + 3 CZK | 3.64 % + 3 CZK | |
| Cards issued out of the scope of the European Economic Area | |||||
| consumer and business | VISA, VISA Electron, V Pay | 0.20 % - 1.70 % | 0.81 % | 1.76 % + 3 CZK | 2.77 % - 4.27 % + 3 CZK |
| MasterCard, Maestro | 0.20 % - 1.70 % | 0.94 % | 1.76 % + 3 CZK | 2.9 % - 4.4 % + 3 CZK | |
1) Fee paid to the bank which issued the particular payment card. This list of fees does not contain a full list of interchange fees that can be charged for processing the transaction. The GOPAY company reserves the right to charge the fee passed by a payment method provider.
2) Fee paid to a card association company which processed the card payment. It is an average cost for card transactions paid to VISA and MasterCard. The GOPAY company reserves the right to charge the fee passed by a payment method provider.
3) Fees paid to GoPay and third parties (authorization centre, acquirer, etc.). Custom amount of fee is based on the individual calculation. The fee of 3 CZK can be charged in different currencies: 0.12 EUR / 0.13 USD / 0.11 GBP / 0.58 PLN / 48 HUF / 0.70 RON / 0.30 BGN.
4) An average total fee for a card payment. The fee of 3 CZK can be charged in different currencies:0.12 EUR / 0.13 USD / 0.11 GBP / 0.58 PLN / 48 HUF / 0.70 RON / 0.30 BGN.
Share of card types
Below you can see approximate share of card types. The data are based on the long term payments statistics.
| Payment card category |
Card association |
Market share |
|---|---|---|
| Cards issued in the European Economic Area | ||
| consumer debit | VISA, VISA Electron, V Pay | 46.3 % |
| MasterCard, Maestro | 39.7 % | |
| consumer credit | VISA, VISA Electron, V Pay | 4 % |
| MasterCard | 5.7 % | |
| business | VISA, VISA Electron, V Pay | 1.8 % |
| MasterCard, Maestro | 1.6 % | |
| Cards issued out of the scope of the European Economic Area | ||
| consumer and business | VISA, VISA Electron, V Pay | 0.58 % |
| MasterCard, Maestro | 0.32 % | |
If you do not wish to accept a certain payment card category (because of the higher amount of the interchange fee), let us know and we will send you a different price offer. We will also deactivate the particular card category in your e-shop, so that your customers will not be able to make a payment by such a card category.
Tip GoPay: Once you decide not to accept a particular card category, you have to clearly inform your customers.