Payment gateway pricing
Card transaction fees according to the MIF++ scheme
Interchange fee – fee to issuing bank
The current amount of the Multilateral Interchange fee can be found on the websites of the respective card schemes listed below. 24pay commits to charging only the actual paid Interchange Fee, based on the type and origin of the payment card used.
Fee to card schemes
The amount of the Card Scheme fee (percentage + fixed fee) may vary based on changes to the pricing of card schemes. 24pay commits to charging only the actual fees paid to the card schemes.
VIEW CURRENT SCHEME FEE
Transaction processing fee
The fee amount (% + fixed amount in the relevant currency) is determined individually and depends on the average monthly turnover of the e-commerce entity and the average value of a single purchase / transaction.
INDIVIDUAL
How much will I pay for card payments?
Illustrative fee examples below
Payment with a standard consumer card
Your customer makes a €50 purchase using a consumer debit MasterCard issued with their personal account at a bank in Slovakia.
For this transaction, you will pay:
Interchange fee
(customer’s bank)
(customer’s bank)
0,20 %
Card Scheme fee
0,204 % + €0,023
Transaction processing fee
0,80 % + €0,10
=
Total transaction fee
1,204 % + €0,123
Payment with a business card
The customer makes a €50 purchase in your e-shop using a commercial VISA debit card issued in Slovakia.
As the e-shop operator, you will pay the following for this transaction:
Interchange fee
(customer’s bank)
(customer’s bank)
1,50 %
Card Scheme fee
0,082 % + €0,011
Transaction processing fee
0,80 % + €0,10
=
Total transaction fee
2,382 % + €0,111
No account management fees for the first 6 months
FAQ
What is the MIF++ pricing model?
MIF++ is a transparent pricing model for card payment fees. The total fee consists of three parts: the interchange fee, the card scheme fee, and the transaction processing fee. Each part is clearly defined, so you always know exactly what makes up the total cost.
What are the fees for card transactions?
Card payment fees are based on the transparent MIF++ pricing model and consist of three parts:
• Interchange fee – a fee paid between banks for processing card payments. In the EU, this fee is capped at 0.2% for debit cards and 0.3% for credit cards.
• Card scheme fee – a fee charged by card networks such as Visa or Mastercard.
• Transaction processing fee – a fee for processing payments through the 24pay payment gateway.
Pricing may vary depending on the card type, country of issue, or payment volume in your online store. The MIF++ model ensures transparent pricing with clearly defined fees.
• Interchange fee – a fee paid between banks for processing card payments. In the EU, this fee is capped at 0.2% for debit cards and 0.3% for credit cards.
• Card scheme fee – a fee charged by card networks such as Visa or Mastercard.
• Transaction processing fee – a fee for processing payments through the 24pay payment gateway.
Pricing may vary depending on the card type, country of issue, or payment volume in your online store. The MIF++ model ensures transparent pricing with clearly defined fees.
What is the card scheme fee?
This is a fee paid to card networks such as Visa or Mastercard. It covers the operation of the card network, transaction processing and security systems used for card payments.
What is the transaction processing fee?
This is the fee for the technical processing of payments through the payment gateway. It includes transaction processing, security features, communication with banks, and access to the admin portal where you can manage and track all payments.
Is there a setup fee for the payment gateway?
No. Account setup and service activation are free of charge. Once the payment gateway is live, you only pay fees related to actual transactions or any additional services according to the pricing plan.
Blended fee
% fee per received payment
od 1,29 %
Transaction fee
€0,20
The fee per received payment is determined individually for each client. The final amount depends on the average monthly turnover of the e-commerce entity, the average transaction value and the type of payment cards used by customers (consumer, business, within the EEA, outside the EEA).
If you're interested in a blended fee, feel free to contact us