Banks and card schemes all charge different fees to cover the operational costs of managing their network and processing credit card payments.

There are three cost components for the Interchange++ model:

  • The Interchange fee that is paid to the issuing bank
  • The scheme fee charged by Visa or Mastercard
  • The acquirer fee

These costs vary considerably depending on a range of factors, including the:

  • Merchant’s country
  • Issuing bank
  • Cardholder
  • Merchant segment
  • Monthly transaction volume

When you create a MultiSafepay account, we provide an estimate of these costs.

Specific transaction costs

The actual cost of a specific transaction is difficult to predict. Fees differ per transaction, based on factors such as the:

  • Country where the card was issued
  • Country where the transaction is processed
  • Type of card, e.g. corporate or customer card
  • Way the card is processed, e.g. level of security
  • Amount of the transaction

To ensure transparency, payment service providers can choose the Interchange++ pricing model, which breaks down the costs for each transaction. There are no preset prices, instead the fee is calculated based on the total cost of all transactions processed.


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Other languages

For an explanation in another language, contact your account manager.