Detailed Pricing

To offer the best prices while maintaining maximum transparency, we provide our clients (in accordance with the Regulation of the European Parliament and Council on interbank fees) with a dynamic transaction fee for card payments, based on the so-called MIF++ model. This model reflects the cost of the fee depending on the type of card used by the buyer. More about the fee components in this method is explained below.

We use the MIF++ scheme, which consists of:

  • Interchange fees – from 0.2%
  • Card scheme fees (Visa, Mastercard) – from 0.15%
  • Transaction and processing fees – defined in your agreement. Unless stated otherwise, the standard rate is 1.3% + euro 0.09.

Explanation of the MIF++ Fee Structure for Card Payments

The MIF++ system is a way of charging card payment fees consisting of three components:

  1. Interchange Fee (MIF – Multilateral Interchange Fee)

This fee is charged between the bank that issued the card and the merchant’s bank. Its rate is determined by the relevant card company and cannot be influenced. For consumer cards issued within the EU, the fees are capped according to EU regulations:

  • Debit cards: maximum 0.2% of the transaction amount
  • Credit cards: maximum 0.3% of the transaction amount

For unregulated cards (e.g., corporate cards or cards issued outside the EU), the fee may be higher.

The exact rate is published on the websites of Visa and Mastercard.
 To determine the contractual fee rate, the current interchange rate from the card schemes’ pricing schedules is used. This rate may change during the term of the agreement, in which case the total contractual fee rate will automatically adjust accordingly.

  1. Card Scheme Fees (so-called “scheme fees”)

These are a set of fees charged by companies like Visa or Mastercard for processing payments. The amount of these fees depends on several factors, including:

  • The country where the card was issued (domestic, EU/EEA, outside EEA)
  • Card type (debit, credit, corporate)
  • Payment scheme used

Approximate average rates for Mastercard and Visa are available in the table below; however, the actual rates may vary based on card type and other parameters.

Mastercard Visa
Home 0,16% + 0,18 euro 0,12% + 0,13 euro
EEA 0,29% + 0,18 euro 0,12% + 0,17 euro
Outside the EEA 0,71% + 1 euro 1,12% + 0,58 euro
  1. Transaction Processing Fee (processing fee +)

This fee covers the costs of technological infrastructure, security measures, transaction authorization, and settlement. It also includes additional services provided as part of the merchant platform.
 This includes a fixed fee of euro 0.09 per transaction and a percentage-based fee of 1.3%.

The total card transaction fee is the sum of these three components.

Each transaction is therefore charged transparently based on card type, issuing country, and the commercial tariff. Thanks to the MIF++ model, you can be sure that the costs are passed through 1:1 without markup, and you can track a detailed breakdown of each fee in the transaction statement.

Examples of final rates for different card types and tariffs are available upon request or in your administration dashboard.
 The amount of the fees may change over time depending on the issuer’s rates and the current tariff.

Other Fees

  1. Gateway Operation – Free of charge
  2. Payout of Funds – euro 0.33
     A fee is charged for each transfer of accumulated card payment funds (can be set to daily, weekly, or monthly payout frequency).
  3. Refund – euro 0.09
     A fee charged for each refund made to a customer’s card, initiated by you as the merchant.
     This fee does not apply if the refund is made within 24 hours of the original transaction.

For some payment methods, a refund fee may be charged as stated in the Adyen payment method pricing (available at www.adyen.com/pricing).
Fees and costs related to the original transaction (including interchange fees) will not be refunded, either partially or in full, in the case of a refund or chargeback.

  1. Chargeback – euro 18.18
     A fee charged for each chargeback initiated by the cardholder via their issuing bank if they dispute the transaction.
     Chargebacks can be contested. In the case of an unsuccessful dispute, a repeated chargeback may occur and an additional fee may be applied.
  2. Cross-border Payout – euro 10.76
     This fee applies when funds are paid out in a currency other than the domestic currency or EUR.
     For example, if a Czech merchant requests payout in USD or PLN to a Czech bank account, this fee applies.
  3. Other Payment Methods
     For the following payment method(s), the agreed prices are as follows:
Payment Method Fee
American Express (Processor: Amex US OptBlue) 3.30% + USD 0.10
American Express 3.45%

The current rates for other payment methods are available in the Adyen pricing table (available at www.adyen.com/pricing).

Authentication Service

If the merchant uses Adyen’s authentication service (as described in the service description), which includes the Adyen 3DS 2 solution, a fee of EUR 0.05 per authentication request initiated by the merchant will apply (Interchange++ model).
 In addition to this fee, the merchant will also be charged any applicable card scheme fees (Scheme Fees).

Currency Conversion

By default — and where supported by the relevant payment processors (Acquirers) and card scheme owners — Adyen will process and settle transactions in the same currency in which the transaction was initiated, provided the merchant has a bank account in that currency for settlement purposes.

If the transaction currency differs from the settlement currency, Adyen will apply a currency conversion along with an administrative Forex Management spread.

Visa/Mastercard Scheme Rates

For Visa and Mastercard transactions, the official exchange rate of the respective card scheme at the time of settlement (Capture) will be used for conversion.
 The Forex Management spread for Visa and Mastercard transactions is 0.30%.

OANDA Rates – for Other Payment Methods

For other payment methods, Adyen uses the daily mid-market rate from OANDA (published at www.oanda.com) that applies either when Adyen receives funds from the scheme provider or acquirer, or when funds are settled with the merchant — whichever comes first.
 The Forex Management spread is 1.80%.

If the transaction currency is one of the following:
 AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, SGD, USD, ZAR,
 the Forex Management spread is reduced to 0.90%.

Pricing effective from 01/07/2025