EU Payment Brand Pricing

Network	Fee Name	Rate	Fee Description
Mastercard	Mastercard Acceptance Development Fee (Germany)	0.02%	Applies to domestic, intra-European, and interregional purchase volumes reported by merchants located in Germany
Mastercard	Mastercard Address Verification Service Fee	0.005 EUR	Applies to address verification service (AVS) on a card not present transaction
Mastercard	Mastercard ASI Verification Fee (Domestic/Intra-Regional Transactions)	0.025 EUR	Applies when a merchant uses the Account Status Inquiry service to do an inquiry that a card number is valid in which the merchant and cardholder are in the same region
Mastercard	Mastercard ASI Verification Fee (Inter-Regional Transactions)	0.03 EUR	Applies when a merchant uses the Account Status Inquiry service to do an inquiry that a card number is valid in which the merchant and cardholder are not in the same region
Mastercard	Mastercard Cross-border fee Domestic/Intra-Regional Credit	See Table 3	Applies to Mastercard Credit domestic and intra-Regional transactions not submitted in the local currency
Mastercard	Mastercard Cross-border fee Domestic/Intra-Regional Debit	See Table 3	Applies to Mastercard Debit domestic and intra-Regional transactions not submitted in the local currency
Mastercard	Mastercard Cross-border fee Inter-Regional Credit	See Table 3	Applies to Mastercard Credit inter-Regional transactions not submitted in the local currency
Mastercard	Mastercard Cross-border fee Inter-Regional Debit	See Table 3	Applies to Mastercard Debit inter-Regional transactions not submitted in the local currency
Mastercard	Mastercard Cross-border fee Maestro Inter-Regional	See Table 3	Applies to Maestro inter-Regional transactions not submitted in the local currency
Mastercard	Mastercard Cross-border fee Maestro Intra-Regional	See Table 3	Applies to Maestro domestic and intra-Regional transactions not submitted in the local currency
Mastercard	Mastercard Dispute Administration Fee – 2^nd Chargeback	45.00 EUR	Applies to Arbitration Chargebacks administration fee which is credited to the issuer
Mastercard	Mastercard Dispute Administration Fee – Successful Arbitration Fee Credit	(45.00) EUR	Applies to Arbitration Chargebacks administration fee which is debited to the issuer
Mastercard	Mastercard eComm Development Fee (Domestic Transactions)	0.05%	Applies to domestic e-commerce purchase volumes reported by merchants located in the Europe region (excluding Austria, Belgium, France, Italy, Luxembourg, Netherlands, Spain, Portugal)
Mastercard	Mastercard eComm Development Fee (Inter-Regional Transactions)	0.10%	Applies to interregional e-commerce purchase volumes reported by merchants located in the European region (excluding Austria, Belgium, France, Italy, Luxembourg, Netherlands, Spain, Portugal)
Mastercard	Mastercard eComm Development Fee (Intra-Regional Transactions	0.05%	Applies to intra-European e-commerce purchase volumes reported by merchants located in the Europe region (excluding Austria, Belgium, France, Italy, Luxembourg, Netherlands, Spain, Portugal)
Mastercard	Mastercard EU Domestic CNP Fee	0.025%	Applies to all card not present domestic gross sales volume
Mastercard	Mastercard EU Domestic MOTO Fee	0.025%	Applies to all Domestic MOTO gross sales volume
Mastercard	Mastercard EU Domestic/Intra-Regional Cross Currency Fee (Settlement Currency Not Available)	0.03%	Applies to all multicurrency settlement Intra-regional and Domestic Transactions with Non-regional Currencies
Mastercard	Mastercard EU Inter-Regional CNP Fee	0.05%	Applies to all card not present Inter-Regional gross sales volume
Mastercard	Mastercard EU Inter-Regional MOTO Fee	0.05%	Applies to all MOTO Inter-Regional gross sales volume
Mastercard	Mastercard EU Intra-European CNP Fee	0.025%	Applies to all card not present Intra-Regional gross sales volume
Mastercard	Mastercard EU Intra-European MOTO Fee	0.025%	Applies to all MOTO Intra-Regional gross sales volume
Mastercard	Mastercard Excessive Authorisation Fee	0.50 EUR	Applies to Authorization attempts after 20 previously issuer declined attempts on the same account number within a 24-hour period
Mastercard	Mastercard Excessive Authorisation Fee (Austria, Belgium, Czech Republic, Cyprus, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, Sweden, Norway)	0.55 EUR	Applies to Authorization attempts after 20 previously issuer declined attempts on the same account number within a 24-hour period
Mastercard	Mastercard Final Authorisation Integrity Fee	0.25% (Minimum 0.03 EUR)	Applies when a card is authorised for a known, final amount but not deposited and the authorization is not reversed in a timely manner (subject to minimum fee amount of €0.03)
Mastercard	Mastercard Final Authorisation Integrity Fee (Austria, Belgium, Czech Republic, Cyprus, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, Sweden, Norway)	0.28% (Minimum 0.033 EUR)	Applies when a card is authorised for a known, final amount but not deposited and the authorization is not reversed in a timely manner (subject to minimum fee amount of €0.033)
Mastercard	Mastercard Humanitarian Program Fee	0.20%	Applies to transactions qualifying at the Mastercard Humanitarian card interchange category. When this fee applies, other MC Payment fees will be waived.
Mastercard	Mastercard Humanitarian Program Processing Fee	0.05%	Applies to transactions qualifying at the Maestro Humanitarian card interchange category. When this fee applies, other MC Payment fees will be waived.
Mastercard	Mastercard Ineligible Chargeback Blocking Fee	3.00 EUR	Applies when a fraud related chargeback is blocked by Mastercard
Mastercard	Mastercard Innovation Fund Fee (Germany) (Domestic/Intra-Regional/Inter-Regional Trans)	0.01%	Applies to domestic, intra-European, and inter-regional purchase volumes reported by merchants located in Germany
Mastercard	Mastercard Nominal Amount Authorisation Fee	0.05 EUR	Applies to card not present authorisations that are subsequently reversed for transactions under one full unit of currency (example: €1.00, EUR), or the equivalent of EUR 1
Mastercard	Mastercard Nominal Amount Authorisation Fee (Austria, Belgium, Czech Republic, Cyprus, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, Sweden, Norway)	0.055 EUR	Applies to card not present authorisations that are subsequently reversed for transactions under one full unit of currency (example: €1.00, EUR), or the equivalent of EUR 1
Mastercard	Mastercard Pre-Authorisation (UK, Ireland and France Domicile)	0.02% (Minimum 0.01 EUR)	Applies to pre-authorisation submissions completed by merchants located in France, Ireland and the United Kingdom
Mastercard	Mastercard Pre-Authorisation Fee (Benelux, Spain, Portugal Domicile)	0.05% (Minimum 0.01 EUR)	Applies to pre-authorisation submissions completed by merchants located in the Benelux, Portugal and Spain.
Mastercard	Mastercard Pre-Authorisation Fee (Other Domicile)	0.08% (Minimum 0.01 EUR)	Applies to pre-authorisation submissions completed by merchants located in territories different to Benelux, France, Ireland, Portugal, Spain and the United Kingdom
Mastercard	Mastercard Reported Transaction Fee Domestic/Intra-Regional Credit	See Table 1	Applies to all Mastercard Credit Domestic and Intra-Regional reported transactions submissions performed by Merchants in the Europe Region
Mastercard	Mastercard Reported Transaction Fee Domestic/Intra-Regional Debit	See Table 1	Applies to all Mastercard Debit Domestic and Intra-Regional reported transactions submissions performed by Merchants in the Europe Region
Mastercard	Mastercard Reported Transaction Fee Inter-Regional Credit	See Table 1	Applies to all Mastercard Credit Inter-Regional reported transactions submissions performed by Merchants in the Europe Region
Mastercard	Mastercard Reported Transaction Fee Inter-Regional Debit	See Table 1	Applies to all Mastercard Debit Inter-Regional reported transactions submissions performed by Merchants in the Europe Region
Mastercard	Mastercard Reported Transaction Fee Maestro Domestic/Intra-Regional	See Table 1	Applies to all Maestro reported transactions submissions performed by Merchants in the Europe Region
Mastercard	Mastercard Reported Transaction Fee Maestro Inter-Regional	See Table 1	Applies to all Maestro reported transactions submissions performed by Merchants in the Europe Region
Mastercard	Mastercard SecureCode Authentication	0.022 EUR	Applies to Mastercard SecureCode transactions that are sent for verification
Mastercard	Mastercard Volume Fee (Germany) – Card Not Present (CNP)	0.07%	Applies to domestic, intra-European, and inter-regional purchase Card Not Present (CNP) volumes reported by merchants located in Germany
Mastercard	Mastercard EMV 3DS – Acquiring Authentication Fee – Non-Recurring Domestic/Intra-Regional (Andorra, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, United Kingdom, Vatican City)	0.0155% (Maximum 0.155 EUR)	Applies to 3-D Secure Authentication non-recurring domestic and intraregional transactions in select countries
Mastercard	Mastercard EMV 3DS – Acquiring Authentication Fee – Non-Recurring Inter-Regional (Andorra, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, United Kingdom, Vatican City)	0.031% (Maximum 0.310 EUR)	Applies to 3-D Secure Authentication non-recurring interregional transactions in select countries
Mastercard	Mastercard EMV 3DS – Acquiring Authentication Fee – Recurring Domestic/Intra-Regional (Andorra, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, United Kingdom, Vatican City)	0.005% (Maximum 0.050 EUR)	Applies to 3-D Secure Authentication recurring domestic and intraregional transactions in select countries
Mastercard	Mastercard EMV 3DS – Acquiring Authentication Fee – Recurring Inter-Regional (Andorra, Belgium, Denmark, Estonia, Finland, France, Germany, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, United Kingdom, Vatican City)	0.01% (Maximum 0.100 EUR)	Applies to 3-D Secure Authentication recurring interregional transactions in select countries
Mastercard	Mastercard Volume Fee (Germany) – Card Present (CP)	0.01%	Applies to domestic, intra-European, and inter-regional purchase Card Present (CP) volumes reported by merchants located in Germany
Mastercard	Mastercard/Maestro Dispute Administration – Unsuccessful Arbitration Fee	45.00 EUR	Applies to Arbitration Chargebacks administration fee which is credited to the issuer
Mastercard	Mastercard/Maestro Dispute Administration Fee – 1^st Chargeback	15.00 EUR	Applies to 1^st Chargeback submissions, administration fee which is credited to the issuer
Mastercard	Mastercard/Maestro Dispute Administration Fee Credit –on Re-presentment	(30.00) EUR	Applies to 2^nd Presentment submissions, administration fee which is debited to the issuer
Mastercard	Mastercard/Maestro Dispute Administration Processing Fee	0.90 EUR	Applies to Dispute Administration network messages
Mastercard	Mastercard/Maestro EEA Authorisation Processing Fee =<10,000 EUR	0.009%	Applies to approved and declined domestic, intra-European, inter-Regional final uthorization transactions for amounts equal or less than 10,000 EUR performed by merchants located in the EEA region
Mastercard	Mastercard/Maestro EEA Authorisation Processing Fee >10,000 EUR	0.90 EUR	Applies to approved and declined domestic, intra-European, inter-Regional final uthorization transactions for amounts greater than 10,000 EUR performed by merchants located in the EEA region
Mastercard	Mastercard/Maestro EEA Authorisation Reversal Processing Fee =<10,000 EUR	0.009%	Applies to approved and declined domestic, intra-European, inter-Regional final uthorization reversal transactions for amounts equal or less than 10,000 EUR performed by merchants located in the EEA region
Mastercard	Mastercard/Maestro EEA Authorisation Reversal Processing Fee >10,000 EUR	0.90 EUR	Applies to approved and declined domestic, intra-European, inter-Regional final uthorization reversal transactions for amounts greater than 10,000 EUR performed by merchants located in the EEA region
Mastercard	Mastercard/Maestro EU Volume Fee	See Table 2	Applies to all Mastercard Credit sales and refund volume performed by Merchants in the Europe Region
Mastercard	Mastercard/Maestro EU Volume Fee	See Table 2	Applies to all Mastercard Debit and Maestro sales and refund volume performed by Merchants in the Europe Region
Mastercard	Mastercard/Maestro non-EEA Domestic/Intra-Regional Authorisation Processing Fee	0.009%	Applies to approved domestic and intra-European, final uthorization transactions performed by merchants located in the non-EEA region
Mastercard	Mastercard/Maestro non-EEA Domestic/Intra-Regional Authorisation Reversal Processing Fee	0.009%	Applies to approved domestic and intra-European, final uthorization reversal transactions performed by merchants located in the non-EEA region
Mastercard	Mastercard/Maestro non-EEA Inter-Regional Approved Reversal Authorisation Processing Fee	0.009%	Applies to approved inter-Regional final uthorization reversal transactions performed by merchants located in the non-EEA region
Mastercard	Mastercard/Maestro non-EEA Inter-Regional Authorisation Processing Fee	0.009%	Applies to approved inter-Regional final uthorization transactions performed by merchants located in the non-EEA region
Mastercard	MCE Mastercard EU Inter-Regional Cross Currency Fee (Settlement Currency Not Available)	0.13%	Applies to Inter-Regional transactions when settlement currency is not available.
Mastercard	Mastercard Merchant Advice Code Fee	0.10 EUR	Applies to declined card-not-present (CNP) transactions that are declined with a MAC of ‘03’ or ‘21’, on transactions on the same card within the past 30 days at the same merchant and where the same transaction amount was previously declined with a MAC ‘03’ or ‘21’.
Mastercard	Market Development Fund (UK and Ireland)	0.005%	Applies to sales on Mastercard, Debit Mastercard, Maestro transactions where the merchant is based in the United Kingdom or Ireland.
Mastercard	Decline Reason Code Service Fee	0.04 EUR	Applies to card-not-present transactions (excluding mail order/telephone order transactions) with: ▪ Decline Reason Code: 79 (Lifecycle), 82 (Policy), or 82 (Security) ▪ and Merchant Advice Code: 01 (Updated/additional information needed); 03 (Do not try again)
Mastercard	CVC2 Fee	0.0025 EUR	Applies to card-not-present transactions.
Mastercard	Mastercard German Transaction Fee – Card Present – Domestic/Intraregional	0.009 EUR	Applies to card-present domestic and intraregional sale and refund transactions located in Germany
Mastercard	Mastercard German Transaction Fee – Card Not Present – Domestic/Intraregional	0.012 EUR	Applies to card-not-present domestic and intraregional sale and refund transactions located in Germany
Mastercard	Mastercard German Transaction Fee – Card Present – Interregional	0.29 EUR	Applies to card-present interregional sale and refund transactions located in Germany
Mastercard	Mastercard German Transaction Fee – Card Not Present – Interregional	0.31 EUR	Applies to card-not-present interregional sale and refund transactions located in Germany
Visa	Global Wholesale Travel Transaction Program B2B Processing Fee	0.05%
Visa	Global Wholesale Travel Transaction Program B2B Scheme Fee	0.55%
Visa	Visa 3DS Authentication Request Fee	0.02 EUR	Applies to all Visa 3D Secure (3DS) authentication requests sent via MPI provider to Visa’s 3DS server. Applies to both versions of Visa’s 3DS protocol, 3DS1.x and 3DS2.x.
Visa	Visa CNP Fraud Chargeback Fee	12.00 EUR	Applies to all Visa unsecure Card Not Present (CNP) transactions performed by merchants in Europe that resulted in a chargeback with reason code 10.4 – Other Fraud-Card Absent Environment
Visa	Visa Data Quality Fee – Domestic/Intra-Regional	0.10 USD	Applies to domestic/intraregional transactions when a Card Acceptor ID exceeds 25,000 Category 3 declines in a 30-day period. This fee is calculated at the Card Acceptor ID level.
Visa	Visa Data Quality Fee – Inter-Regional	0.15USD	Applies to interregional transactions when a Card Acceptor ID exceeds 25,000 Category 3 declines in a 30-day period. This fee is calculated at the Card Acceptor ID level.
Visa	Visa Declined Authorization Transaction Resubmission Fee – Domestic/Intra-Regional	0.10 USD	Applies to Category 2, 3, and 4 authorisation re-attempts for a declined authorization transaction within a 30-day period where the card issuer and the merchant are in the same country.
Visa	Visa Declined Authorization Transaction Resubmission Fee – Inter-Regional	0.15USD	Applies to Category 2, 3, and 4 authorisation re-attempts for a declined authorization transaction within a 30-day period where the card issuer and the merchant are in different regions.
Visa	Visa Declined Authorization Transaction Resubmission Fee – Domestic/ Intra-Regional	0.10USD	Applies to Category 1 authorisation re-attempts for a declined authorization transaction within a 30-day period where the card issuer and the merchant are in the same country.
Visa	Visa Declined Authorization Transaction Resubmission Fee – Inter-Regional	0.15USD	Applies to Category 1 authorisation re-attempts for a declined authorization transaction within a 30-day period where the card issuer and the merchant are in different regions.
Visa	Visa Europe Account Updater Scheme Fee	0.10 EUR	Applies to all Visa Account Updater (VAU) responses received by merchants in Europe that indicates that updated card data is being provided in the account updater response file.
Visa	Visa Europe Authorisation Bypass Scheme Fee	6.00 EUR	Applies to all Visa transactions performed by merchants in Europe that resulted in a chargeback with reason code 11.3 - No Authorisation
Visa	Visa Europe Authorisation Processing Fee - Domestic	0.0032 EUR	Applies to Visa domestic, approved and declined authorisation requests performed by merchants in Europe, including address and account verification requests
Visa	Visa Europe Authorisation Processing Fee – Inter-Regional	0.0425 EUR	Applies to Visa Inter-regional, approved and declined authorisation requests performed by merchants in Europe, including address and account verification requests
Visa	Visa Europe Authorisation Processing Fee – Intra-Regional	0.0068 EUR	Applies to Visa Intra-European, approved and declined authorisation requests performed by merchants in Europe, including address and account verification requests
Visa	Visa Europe Authorisation Processing Intra-Regional Fee (Switzerland)	0.03 EUR	Applies to Visa Intra-Swiss, approved and declined authorisation requests performed by merchants in Europe, including address and account verification requests
Visa	Visa Europe Clearing Processing Fee – Domestic	0.005 EUR	Applies to all Visa domestic sale & refund transactions performed by merchants in Europe, as well as chargebacks or retrieval requests initiated against these transactions
Visa	Visa Europe Clearing Processing Fee – Inter-Regional	0.065 EUR	Applies to all Visa inter-regional sale & refund transactions performed by merchants in Europe, as well as chargebacks or retrieval requests initiated against these transactions
Visa	Visa Europe Clearing Processing Fee – Intra-Regional	0.01 EUR	Applies to all Visa Intra-European sale & refund transactions performed by merchants in Europe, as well as chargebacks or retrieval requests initiated against these transactions.
Visa	Visa Europe Clearing Processing Intra-Regional Fee (Switzerland)	0.05 EUR	Applies to all Visa Intra-Swiss sale & refund transactions performed by merchants in Europe, as well as chargebacks or retrieval requests initiated against these transactions.
Visa	Visa Europe CNP Fee (Inter-Regional Transactions)	0.55%	Applies to all Visa inter-regional CNP gross sales volume
Visa	Visa Europe CNP Service Fee - Credit	0.033%	Applies to all Visa CNP gross sales volume (Credit cards)
Visa	Visa Europe CNP Service Fee – Debit/Prepaid	0.028%	Applies to all Visa CNP gross sales volume (Debit/Prepaid cards)
Visa	Visa Europe CP Service Fee Credit	See Table 4	Applies to all Visa Retail or Card-Present gross sales volume (Credit cards)
Visa	Visa Europe CP Service Fee Debit/Prepaid	See Table 4	Applies to all Visa Retail or Card-Present gross sales volume (Debit/Prepaid cards)
Visa	Visa Europe Cross Border Enhanced Card Present Fee (Switzerland)	1.00%	Applies to all Visa non-domestic transactions performed by merchants in Switzerland and where the presentment currency is not equal to Swiss Franc (CHF)
Visa	Visa Europe Cross Border Fee (Inter-regional Transactions - Italy)	0.60%	Applies to all Visa inter-regional gross sales volume and where merchant is in Italy
Visa	Visa Europe Cross Border Fee (Inter-Regional Transactions)	0.45%	Applies to all Visa inter-regional gross sales volume.
Visa	Visa Europe Decline Authorisation Fee	1.00 EUR	Applies to the fourth and every subsequent recurring transaction declined by the Visa Europe Payment Stop Service (VEPSS) using auth response code 571 or 572
Visa	Visa Europe Ecomm Fee (Switzerland)	0.20%	Applies to all Visa Intra-Swiss e-commerce gross sales volume
Visa	Visa Europe Market Innovation Fee	0.015%	Applies to all Visa Gross Sales volume where the merchant is in the Netherlands (Credit cards only)
Visa	Visa Europe MOTO Fee (Switzerland)	0.20%	Applies to all Visa Intra-Swiss MOTO, recurring and installment gross sales volume.
Visa	Visa Europe Swiss Domestic CNP Service Fee - Credit	0.024%	Applies to all Visa Swiss Domestic CNP gross sales volume (Credit cards)
Visa	Visa Europe Swiss Domestic CNP Service Fee – Debit/Prepaid	0.02%	Applies to all Visa Swiss Domestic CNP gross sales volume (Debit/Prepaid cards)
Visa	Visa Europe Non-Domestic Currency Settlement Volume Fee	0.02%	Applies to Intraregional or Interregional transactions where settled in a different currency from the local currency of the merchant country where the transaction is completed.
Visa	Domestic Account Verification Fee	0.0032 EUR	Applies to utilization of the Account Verifications Service to verify the status of an account prior to an authorization or when an authorization is not required – in instances when credentials are stored on file. Account verification messages must be used instead of low-value authorization or AFD status check messages – permitted only for automated fuel dispensers. This fee supports verification of address and Card Verification Value 2 (CVV2) at no additional cost.
Visa	Inter-Regional Account Verification Fee	0.0425 EUR	Applies to utilization of the Account Verifications Service to verify the status of an account prior to an authorization or when an authorization is not required – in instances when credentials are stored on file. Account verification messages must be used instead of low-value authorization or AFD status check messages – permitted only for automated fuel dispensers. This fee supports verification of address and Card Verification Value 2 (CVV2) at no additional cost.
Visa	Intra-Regional Account Verification Fee	0.0068 EUR	Applies to utilization of the Account Verifications Service to verify the status of an account prior to an authorization or when an authorization is not required – in instances when credentials are stored on file. Account verification messages must be used instead of low-value authorization or AFD status check messages – permitted only for automated fuel dispensers. This fee supports verification of address and Card Verification Value 2 (CVV2) at no additional cost.
Visa	Address Verification Fee	$0.002 USD	Applies to when usable Address Verification Service (AVS) results received.
Visa	System Integrity Program - Never Approve Reattempt Fee (Domestic/Intraregional)	$0.10 USD	Applies to domestic and intraregional reattempted authorizations that previously received an 'Issuer Will Never Approve' (Category 1) decline response, within a rolling 30 day period.
Visa	System Integrity Program - Never Approve Reattempt Fee (Interregional)	$0.15 USD	Applies to interregional reattempted authorizations that previously received an 'Issuer Will Never Approve' (Category 1) decline response, within a rolling 30 day period.
Visa	System Integrity Program - Excessive Authorization Fee (Domestic/Intraregional)	$0.10 USD	Applies to domestic and intraregional reattempted excessive authorizations with certain intitial decline response codes (Category 2, Category 3, or Category 4) , upon the 16th and all subsequent reattempts within a rolling 30 day period, after the initial decline.
Visa	System Integrity Program - Excessive Authorization Fee (Interregional)	$0.15 USD	Applies to interregional reattempted excessive authorizations with certain intitial decline response codes (Category 2, Category 3, or Category 4), upon the 16th and all subsequent reattempts within a rolling 30 day period, after the initial decline.
Visa	System Integrity Program - Data Quality Fee (Domestic/Intraregional)	$0.10 USD	Applies to card-not-present domestic and intraregional declined authorizations with certain decline response codes (Category 3), in excess of 25,000 per card acceptor ID within a 30-day period, defined as the 25th of the previous month through the 24th of the current month.
Visa	System Integrity Program - Data Quality Fee (Interregional)	$0.15 USD	Applies to card-not-present interregional declined authorizations with certain decline response codes (Category 3), in excess of 25,000 per card acceptor ID within a 30-day period, defined as the 25th of the previous month through the 24th of the current month.

Table 1: Reported Transaction Scheme Fees – (All Fees are quoted in Euros)

	Mastercard				Maestro
	Domestic / Intraregional		Inter-regional		Domestic / Intraregional	Inter-regional
Country of Domicile	Credit	Debit	Credit	Debit	Debit
Austria	0.0001	0.0001	0.19	0.19	-	0.19
Belgium	-	-	0.20	0.20	-	0.20
Cyprus	0.007	0.007	0.127	0.127	0.0056	0.1256
Czech Republic	0.007	0.007	0.15	0.15	0.007	0.15
Denmark	-	-	0.11	0.11	-	0.11
Finland	-	-	0.11	0.11	-	0.11
France	-	-	0.20	0.20	-	0.20
Gibraltar	0.002	0.002	0.102	0.102	0.002	0.102
Great Britain	0.002	0.002	0.102	0.102	0.002	0.102
Iceland	-	-	0.11	0.11	-	0.11
Ireland	0.002	0.002	0.082	0.082	0.002	0.082
Italy	-	-	0.20	0.20	-	0.2
Luxembourg	-	-	0.05	0.05	-	0.05
Malta	0.007	0.007	0.127	0.127	0.0056	0.1256
Netherlands	0.0012	0.0003	0.05	0.05	-	0.05
Norway	-	-	0.11	0.11	-	0.11
Portugal	-	-	0.20	0.20	-	0.20
Spain	-	-	0.20	0.20	-	0.20
Sweden	-	-	0.11	0.11	-	0.11
Switzerland	0.01	0.01	0.08	0.08	0.01	0.08

Table 2: Mastercard/Maestro EU Volume Fees

	Mastercard		Maestro
Country of Domicile	Credit	Debit	Debit
Austria	0.065%	0.049%	0.049%
Belgium	0.055%	0.0376%	0.0376%
Czech Republic	0.057%	0.057%	0.057%
Cyprus	0.0184%	0.0184%	0.0184%
Denmark	0.035%	0.035%	0.035%
Finland	0.035%	0.035%	0.035%
France	0.0415%-	0.0415%	0.0415%
Germany	0.00%	0.00%	0.00%
Gibraltar	0.025%	0.025%	0.025%
Guernsey	0.025%	0.025%	0.025%
Italy	0.0822%	0.0822%	0.0805%
Iceland	0.035%	0.035%	0.035%
Ireland	0.020%	0.020%	0.020%
Isle of Man	0.025%	0.025%	0.025%
Jersey	0.025%	0.025%	0.025%
Luxembourg	0.0486%	0.0379%	0.0379%
Malta	0.0301%	0.0301%	0.0301%
Netherlands	0.0431%	0.0133%	0.0133%
Norway	0.035%	0.035%	0.035%
Portugal	0.034%	0.0281%	0.0281%
Spain	0.046%	0.046%	0.046%
Sweden	0.035%	0.035%	0.035%
Switzerland	0.0339%	0.0339%	0.0339%
UK	0.020%	0.020%	0.020%

Table 3: Mastercard EU Cross Border Fees

	Mastercard				Maestro
	Intraregional		Inter-regional		Intraregional	Inter-regional
Country of Domicile	Credit	Debit	Credit	Debit	Debit
Austria	0.10%	0.10%	0.50%	0.50%	0.10%	0.50%
Belgium	0.15%	0.10%	0.65%	0.60%	0.10%	0.60%
Cyprus	0.10%	0.10%	0.50%	0.50%	0.10%	0.50%
Czech Republic	0.10%	0.10%	0.50%	0.50%	0.10%	0.50%
Denmark	0.075%	0.075%	0.75%	0.75%	0.075%	0.75%
Finland	0.075%	0.075%	0.75%	0.75%	0.075%	0.75%
France	0.15%	0.10%	0.65%	0.60%	0.10%	0.60%
Germany	0.0425%	0.0425%	0.40%	0.40%	0.0425%	0.40%
Gibraltar	-	-	0.45%	0.45%	-	0.45%
Great Britain	-	-	0.45%	0.45%	-	0.45%
Iceland	0.0425%	0.0425%	0.40%	0.40%	0.0425%	0.40%
Ireland	-	-	0.45%	0.45%	-	0.45%
Italy	0.15%	0.10%	0.65%	0.60%	0.10%	0.60%
Luxembourg	0.055%	0.055%	0.55%	0.55%	0.04%	0.40%
Malta	0.10%	0.10%	0.50%	0.50%	0.10%	0.50%
Netherlands	0.15%	0.10%	0.65%	0.60%	0.10%	0.60%
Norway	0.075%	0.075%	0.75%	0.75%	0.075%	0.75%
Portugal	0.15%	0.10%	0.65%	0.60%	0.10%	0.60%
Spain	0.15%	0.10%	0.65%	0.60%	0.10%	0.60%
Sweden	0.075%	0.075%	0.75%	0.75%	0.075%	0.75%
Switzerland	0.0425%	0.0425%	0.80%	0.80%	0.0425%	0.80%

Table 4: Visa CP Service Fees

Network	Country	Fee Name	Rate	Fee Description
Visa	Austria	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.026%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Austria	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.021%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	Belgium	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.019%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Belgium	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.014%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	France	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.014%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	France	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.01%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	Germany	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.025%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Germany	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.02%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	Italy	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.03%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Italy	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.025%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	Netherlands	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.02%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Netherlands	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.015%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	Spain	Visa Europe CP Service Fee Domestic Credit	0.014%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed. Domestic transactions only.
Visa	Spain	Visa Europe CP Service Fee Domestic Debit/Prepaid	0.01%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed. Domestic transactions only.
Visa	Spain	Visa Europe CP Service Fee Intraregional/Interregional Credit	0.02%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed. Cross-border transactions only.
Visa	Spain	Visa Europe CP Service Fee Intraregional/Interregional Debit/Prepaid	0.015%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed. Cross-border transactions only.
Visa	Sweden	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.025%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Sweden	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.02%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	Switzerland	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.014%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	Switzerland	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.01%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.
Visa	U.K.	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Credit	0.023%	This fee is charged for every Visa Retail (Card Present) transaction on credit, deferred debit and charge cards. Rate applicable to merchants in country listed.
Visa	U.K.	Visa Europe CP Service Fee Domestic/Intraregional/Interregional Debit/Prepaid	0.018%	This fee is charged for every Visa Retail (Card Present) transaction on debit and prepaid cards. Rate applicable to merchants in country listed.

This document was prepared for general informational use only and is subject to change. This document is intended to provide further information on the charges that Chase Paymentech Europe Limited and/or J.P. Morgan Wholesale Payments Europe Limited ("Merchant Services") pass through to you from the payment networks in accordance with the terms of your agreement with Merchant Services. Your pricing may vary from the pricing set out above depending on certain factors including your pricing type. In accordance with your agreement with Merchant Services, Merchant Services reserves the right to modify your payment network rates and fees in response to corresponding changes received by Merchant Services from the payment networks. The information contained herein has been obtained from sources believed to be reliable, but neither Merchant Services nor any of its affiliates warrant the correctness, completeness, or accuracy of the information contained herein.

Europe Card Brand Pricing — Credit and Debit(As of April 2022)

Europe Card Brand Pricing — Credit and Debit
(As of April 2022)