What are the costs for credit and debit card transactions?

The rate for a card transaction will depend on the type of card being used and the transaction region. Here is a summary of how we charge for transactions from different cards:

Card brand

How transaction costs are applied

Visa and Mastercard

Transactions are charged according to 2 categories:

  • All domestic and intra-zone transactions with a consumer card.
  • All other card types and transaction regions.

American Express

There is 1 cost for all transactions with American Express cards.

Cartes Bancaires

There is 1 cost for all transactions with Cartes Bancaires cards for customers in France. These are considered Visa domestic transactions.

Maestro

There is 1 cost for all transactions with Maestro cards for customers in the Netherlands. Maestro is a co-brand of Mastercard.

 

Card types

These properties define the type of card that is used in a payment:

  • Brand: We support all major card brands like Visa, Mastercard and American Express.
  • Funding type: Credit or debit. Payments with debit cards are debited immediately from a bank account. Payments from credit cards are paid by the bank first so that the cardholder can pay back this amount later.
  • Audience: Consumer or commercial. Consumer cards are issued to a single person, while commercial cards are issued to a business.
  • Issuing country: The country that the bank or issuer of the card is based in.

 

Transaction region

The region of a transaction depends on where the card was issued and where the payment from the card is received. There are several regions we consider:

  • Domestic: A card is used to pay a webshop in the same country from which the card is issued.
    • For example, a domestic transaction is when you use a card from a Dutch bank to pay in the Netherlands.
  • Intra-zone: A card is used to pay a webshop in a different country from where it is issued, but both countries are considered to be in the same economic zone. With Mollie, you can receive card payments from the EEA zone.
    • For example, an intra-zone transaction is when you use a card issued in Germany to pay a webshop based in France. Both countries are in the EEA zone.
  • Inter-zone: A card is used to pay a webshop that is outside of the card issuer’s country and zone.
    • For example, an inter-zone transaction is when you use a card issued in Brazil (outside the EEA) to pay a webshop based in Belgium (in the EEA).
  • The United Kingdom: The UK is considered to be in the same zone as the EEA if the payment originates from an EEA country. However, the UK is considered to be in a different zone if the payment originates from the UK.
    • Payment from a UK card to a UK business is a domestic transaction.
    • Payment from an EEA card to a UK business is an intra-zone transaction.
    • Payment from a UK card to an EEA business is an inter-zone transaction.

 

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