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Tap to Pay on iPhone
Accept contactless payments right on your iPhone with the Mollie app
Accept payments
Embedded payments
Grow your business
Technical resources
About Mollie
Tap to Pay on iPhone
Accept contactless payments right on your iPhone with the Mollie app
Accept payments
Embedded payments
Grow your business
Technical resources
About Mollie
Card payment fees in comparison: What merchants need to know
Card payment fees in comparison: What merchants need to know
Card payment fees in comparison: What merchants need to know
What card payment fees can merchants expect? Our comparison shows costs, differences, and advantages, with specific scenarios for brick-and-mortar stores and omnichannel providers.
What card payment fees can merchants expect? Our comparison shows costs, differences, and advantages, with specific scenarios for brick-and-mortar stores and omnichannel providers.
Jun 30, 2025
Overview: Card payment fees
Merchants pay fixed and variable fees per transaction
Debit cards are usually cheaper than credit cards
Fee models vary greatly depending on the provider
Additional costs arise for terminals or refunds, for example
Omnichannel solutions reduce effort and bundle costs
Mollie offers transparent prices and easy integration
Merchants pay fixed and variable fees per transaction
Debit cards are usually cheaper than credit cards
Fee models vary greatly depending on the provider
Additional costs arise for terminals or refunds, for example
Omnichannel solutions reduce effort and bundle costs
Mollie offers transparent prices and easy integration
Merchants pay fixed and variable fees per transaction
Debit cards are usually cheaper than credit cards
Fee models vary greatly depending on the provider
Additional costs arise for terminals or refunds, for example
Omnichannel solutions reduce effort and bundle costs
Mollie offers transparent prices and easy integration
Merchants pay fixed and variable fees per transaction
Debit cards are usually cheaper than credit cards
Fee models vary greatly depending on the provider
Additional costs arise for terminals or refunds, for example
Omnichannel solutions reduce effort and bundle costs
Mollie offers transparent prices and easy integration
These costs arise for debit and credit card payments
If you offer card payments in your online shop or brick-and-mortar store, you will incur various types of costs. In addition to the actual transaction fees, technical equipment and additional services also play a role. The fees vary depending on the type of card – especially between EC cards (debit cards) and credit cards.
Card payments with EC cards: cheaper, but not always transparent
For payments with EC cards – technically referred to as debit cards – many providers use simple fee models. As a rule, you pay a fixed fee per transaction or a percentage of the transaction amount.
Note for merchants:
The Girocard is still widely used in brick-and-mortar stores, especially at savings banks and cooperative banks. Many of these cards now carry a Visa or Mastercard co-badge, but often continue to function as Girocards in everyday use. This can make a difference for merchants: payments made using the debit functions of Visa or Mastercard can usually be used internationally, online, and are billed uniformly. Card payment fees also vary depending on the system—an important point for merchants with an omnichannel focus.
At Mollie, Visa and Mastercard debit cards are billed significantly cheaper at the POS than real credit cards. For you as a merchant, this means more clarity, lower fees, and no nasty surprises when you settle your account.
In addition, there are often costs for the EC card device, which you can either buy or rent. The acquisition costs for such devices are usually between $40 and $400. Rental devices start at around €5 per month.
In addition to the device costs, there are variable transaction fees. These are often between 0.2% and 0.5% of sales – in some cases, a small fixed fee is also charged.
Credit card payments: more service, higher fees
The fees for credit card payments are usually higher. The reason: credit card payments pass through international networks as part of the acquiring process, involve security checks, and offer additional functions – for example, for recurring payments or sales abroad.
Transaction fees of between 1.5 percent and 3 percent are typical, depending on the card used (e.g., Visa, Mastercard, or American Express) and the customer's country of origin. For online payments, additional costs may be incurred for chargebacks or authentication procedures.
If you want to accurately estimate the costs of card payments for your business, it is worth considering debit and credit cards separately – especially with regard to your target group and sales volume.
Cash payments at the POS: Costs retailers should be aware of
In addition to card payments, cash still accounts for a large proportion of revenue. Unlike card payments, there are no transaction costs at first glance. However, a study by the Bundesbank shows that an average of 1.797 percent in fees are incurred per cash transaction. This includes all costs, such as labor (counting money, packaging, taking it to the bank), deposit fees, and costs for obtaining change.
If you offer card payments in your online shop or brick-and-mortar store, you will incur various types of costs. In addition to the actual transaction fees, technical equipment and additional services also play a role. The fees vary depending on the type of card – especially between EC cards (debit cards) and credit cards.
Card payments with EC cards: cheaper, but not always transparent
For payments with EC cards – technically referred to as debit cards – many providers use simple fee models. As a rule, you pay a fixed fee per transaction or a percentage of the transaction amount.
Note for merchants:
The Girocard is still widely used in brick-and-mortar stores, especially at savings banks and cooperative banks. Many of these cards now carry a Visa or Mastercard co-badge, but often continue to function as Girocards in everyday use. This can make a difference for merchants: payments made using the debit functions of Visa or Mastercard can usually be used internationally, online, and are billed uniformly. Card payment fees also vary depending on the system—an important point for merchants with an omnichannel focus.
At Mollie, Visa and Mastercard debit cards are billed significantly cheaper at the POS than real credit cards. For you as a merchant, this means more clarity, lower fees, and no nasty surprises when you settle your account.
In addition, there are often costs for the EC card device, which you can either buy or rent. The acquisition costs for such devices are usually between $40 and $400. Rental devices start at around €5 per month.
In addition to the device costs, there are variable transaction fees. These are often between 0.2% and 0.5% of sales – in some cases, a small fixed fee is also charged.
Credit card payments: more service, higher fees
The fees for credit card payments are usually higher. The reason: credit card payments pass through international networks as part of the acquiring process, involve security checks, and offer additional functions – for example, for recurring payments or sales abroad.
Transaction fees of between 1.5 percent and 3 percent are typical, depending on the card used (e.g., Visa, Mastercard, or American Express) and the customer's country of origin. For online payments, additional costs may be incurred for chargebacks or authentication procedures.
If you want to accurately estimate the costs of card payments for your business, it is worth considering debit and credit cards separately – especially with regard to your target group and sales volume.
Cash payments at the POS: Costs retailers should be aware of
In addition to card payments, cash still accounts for a large proportion of revenue. Unlike card payments, there are no transaction costs at first glance. However, a study by the Bundesbank shows that an average of 1.797 percent in fees are incurred per cash transaction. This includes all costs, such as labor (counting money, packaging, taking it to the bank), deposit fees, and costs for obtaining change.
If you offer card payments in your online shop or brick-and-mortar store, you will incur various types of costs. In addition to the actual transaction fees, technical equipment and additional services also play a role. The fees vary depending on the type of card – especially between EC cards (debit cards) and credit cards.
Card payments with EC cards: cheaper, but not always transparent
For payments with EC cards – technically referred to as debit cards – many providers use simple fee models. As a rule, you pay a fixed fee per transaction or a percentage of the transaction amount.
Note for merchants:
The Girocard is still widely used in brick-and-mortar stores, especially at savings banks and cooperative banks. Many of these cards now carry a Visa or Mastercard co-badge, but often continue to function as Girocards in everyday use. This can make a difference for merchants: payments made using the debit functions of Visa or Mastercard can usually be used internationally, online, and are billed uniformly. Card payment fees also vary depending on the system—an important point for merchants with an omnichannel focus.
At Mollie, Visa and Mastercard debit cards are billed significantly cheaper at the POS than real credit cards. For you as a merchant, this means more clarity, lower fees, and no nasty surprises when you settle your account.
In addition, there are often costs for the EC card device, which you can either buy or rent. The acquisition costs for such devices are usually between $40 and $400. Rental devices start at around €5 per month.
In addition to the device costs, there are variable transaction fees. These are often between 0.2% and 0.5% of sales – in some cases, a small fixed fee is also charged.
Credit card payments: more service, higher fees
The fees for credit card payments are usually higher. The reason: credit card payments pass through international networks as part of the acquiring process, involve security checks, and offer additional functions – for example, for recurring payments or sales abroad.
Transaction fees of between 1.5 percent and 3 percent are typical, depending on the card used (e.g., Visa, Mastercard, or American Express) and the customer's country of origin. For online payments, additional costs may be incurred for chargebacks or authentication procedures.
If you want to accurately estimate the costs of card payments for your business, it is worth considering debit and credit cards separately – especially with regard to your target group and sales volume.
Cash payments at the POS: Costs retailers should be aware of
In addition to card payments, cash still accounts for a large proportion of revenue. Unlike card payments, there are no transaction costs at first glance. However, a study by the Bundesbank shows that an average of 1.797 percent in fees are incurred per cash transaction. This includes all costs, such as labor (counting money, packaging, taking it to the bank), deposit fees, and costs for obtaining change.
If you offer card payments in your online shop or brick-and-mortar store, you will incur various types of costs. In addition to the actual transaction fees, technical equipment and additional services also play a role. The fees vary depending on the type of card – especially between EC cards (debit cards) and credit cards.
Card payments with EC cards: cheaper, but not always transparent
For payments with EC cards – technically referred to as debit cards – many providers use simple fee models. As a rule, you pay a fixed fee per transaction or a percentage of the transaction amount.
Note for merchants:
The Girocard is still widely used in brick-and-mortar stores, especially at savings banks and cooperative banks. Many of these cards now carry a Visa or Mastercard co-badge, but often continue to function as Girocards in everyday use. This can make a difference for merchants: payments made using the debit functions of Visa or Mastercard can usually be used internationally, online, and are billed uniformly. Card payment fees also vary depending on the system—an important point for merchants with an omnichannel focus.
At Mollie, Visa and Mastercard debit cards are billed significantly cheaper at the POS than real credit cards. For you as a merchant, this means more clarity, lower fees, and no nasty surprises when you settle your account.
In addition, there are often costs for the EC card device, which you can either buy or rent. The acquisition costs for such devices are usually between $40 and $400. Rental devices start at around €5 per month.
In addition to the device costs, there are variable transaction fees. These are often between 0.2% and 0.5% of sales – in some cases, a small fixed fee is also charged.
Credit card payments: more service, higher fees
The fees for credit card payments are usually higher. The reason: credit card payments pass through international networks as part of the acquiring process, involve security checks, and offer additional functions – for example, for recurring payments or sales abroad.
Transaction fees of between 1.5 percent and 3 percent are typical, depending on the card used (e.g., Visa, Mastercard, or American Express) and the customer's country of origin. For online payments, additional costs may be incurred for chargebacks or authentication procedures.
If you want to accurately estimate the costs of card payments for your business, it is worth considering debit and credit cards separately – especially with regard to your target group and sales volume.
Cash payments at the POS: Costs retailers should be aware of
In addition to card payments, cash still accounts for a large proportion of revenue. Unlike card payments, there are no transaction costs at first glance. However, a study by the Bundesbank shows that an average of 1.797 percent in fees are incurred per cash transaction. This includes all costs, such as labor (counting money, packaging, taking it to the bank), deposit fees, and costs for obtaining change.
Fee models: Why not all card payments are the same
Fee models vary considerably depending on the provider, which often makes comparisons difficult. Some providers combine fixed basic fees with variable transaction costs, while others offer all-in-one rates or volume-based discounts. What may seem cheap at first glance can turn out to be a cost trap in the long run—especially if additional costs are not clearly stated.
Here is an overview of some typical models:
Flat rates: monthly basic fee, regardless of transaction volume
Mixed calculation: fixed percentage per transaction – often including refund or service fees
Interchange plus: transparent breakdown by card type, but complex billing
Transaction-based: fees only for successful card payments – simple, flexible, and scalable
The latter in particular offers merchants the advantage that they only pay when sales are actually generated. This form of billing creates planning security – without minimum sales, basic fees, or long-term contractual commitments.
For EC card payments, many providers charge a combination of device rental and transaction fees. The exact amount varies greatly depending on the provider, device type, and scope of services. If you are thinking long term, you should not only pay attention to the individual price, but also to transparency and flexibility.
A fair fee model focuses on the needs of merchants: It clearly shows which fees apply to card payments and enables processes to be designed efficiently both online and at the point of sale.
Fee models vary considerably depending on the provider, which often makes comparisons difficult. Some providers combine fixed basic fees with variable transaction costs, while others offer all-in-one rates or volume-based discounts. What may seem cheap at first glance can turn out to be a cost trap in the long run—especially if additional costs are not clearly stated.
Here is an overview of some typical models:
Flat rates: monthly basic fee, regardless of transaction volume
Mixed calculation: fixed percentage per transaction – often including refund or service fees
Interchange plus: transparent breakdown by card type, but complex billing
Transaction-based: fees only for successful card payments – simple, flexible, and scalable
The latter in particular offers merchants the advantage that they only pay when sales are actually generated. This form of billing creates planning security – without minimum sales, basic fees, or long-term contractual commitments.
For EC card payments, many providers charge a combination of device rental and transaction fees. The exact amount varies greatly depending on the provider, device type, and scope of services. If you are thinking long term, you should not only pay attention to the individual price, but also to transparency and flexibility.
A fair fee model focuses on the needs of merchants: It clearly shows which fees apply to card payments and enables processes to be designed efficiently both online and at the point of sale.
Fee models vary considerably depending on the provider, which often makes comparisons difficult. Some providers combine fixed basic fees with variable transaction costs, while others offer all-in-one rates or volume-based discounts. What may seem cheap at first glance can turn out to be a cost trap in the long run—especially if additional costs are not clearly stated.
Here is an overview of some typical models:
Flat rates: monthly basic fee, regardless of transaction volume
Mixed calculation: fixed percentage per transaction – often including refund or service fees
Interchange plus: transparent breakdown by card type, but complex billing
Transaction-based: fees only for successful card payments – simple, flexible, and scalable
The latter in particular offers merchants the advantage that they only pay when sales are actually generated. This form of billing creates planning security – without minimum sales, basic fees, or long-term contractual commitments.
For EC card payments, many providers charge a combination of device rental and transaction fees. The exact amount varies greatly depending on the provider, device type, and scope of services. If you are thinking long term, you should not only pay attention to the individual price, but also to transparency and flexibility.
A fair fee model focuses on the needs of merchants: It clearly shows which fees apply to card payments and enables processes to be designed efficiently both online and at the point of sale.
Fee models vary considerably depending on the provider, which often makes comparisons difficult. Some providers combine fixed basic fees with variable transaction costs, while others offer all-in-one rates or volume-based discounts. What may seem cheap at first glance can turn out to be a cost trap in the long run—especially if additional costs are not clearly stated.
Here is an overview of some typical models:
Flat rates: monthly basic fee, regardless of transaction volume
Mixed calculation: fixed percentage per transaction – often including refund or service fees
Interchange plus: transparent breakdown by card type, but complex billing
Transaction-based: fees only for successful card payments – simple, flexible, and scalable
The latter in particular offers merchants the advantage that they only pay when sales are actually generated. This form of billing creates planning security – without minimum sales, basic fees, or long-term contractual commitments.
For EC card payments, many providers charge a combination of device rental and transaction fees. The exact amount varies greatly depending on the provider, device type, and scope of services. If you are thinking long term, you should not only pay attention to the individual price, but also to transparency and flexibility.
A fair fee model focuses on the needs of merchants: It clearly shows which fees apply to card payments and enables processes to be designed efficiently both online and at the point of sale.
Two example scenarios: How fees affect your business
The costs of card payments depend heavily on the business model, sales volume, and preferred payment methods of the customer base. The following two scenarios show how different the fee structure can be. We only consider the proportion of card payments and do not take cash into account.
Scenario 1: Brick-and-mortar boutique with many EC card payments
A fashion retailer runs a small store in Stuttgart. Sales are made exclusively on site, with around 80 percent of customers paying by EC card.
Initial situation:
Turnover: around 10,000 € per month
EC card payments dominate
Online sales not currently planned, but conceivable in the long term
Focus on low fixed costs and ease of use
In this scenario, EC card fees are particularly relevant. Providers with low flat rates per transaction or volume-based rates offer good conditions here.
Is Mollie a good choice for this scenario?
Mollie is competitively priced and scores particularly well in terms of future viability: if an online shop is added later, the existing infrastructure can be seamlessly expanded—without new contracts or additional systems.
Scenario 2: Omnichannel coffee roaster—Mollie is the perfect fit
A growing coffee business sells through an online shop and its own café, and also delivers to subscription customers in the US and within the EU. Around 60 percent of payments are made online, with the rest via a POS terminal and Tap to Pay in the café.
Initial situation:
Revenue: 35,000 € per month
Payment methods: Credit card, SEPA direct debit, recurring payments
Sales channels: Webshop, subscription model, on-site sales
Growth planned across EU borders
This is where traditional POS providers quickly reach their limits – either in terms of functionality or the cost of card payments for merchants.
Is Mollie a good choice for this scenario?
Mollie offers exactly the combination that matters here: omnichannel capability, flexible integration, support for international payment methods—and, above all, transparent card payment fees that only apply to successful payments. There are no hidden additional costs for features such as subscription payments or EU transactions.
The costs of card payments depend heavily on the business model, sales volume, and preferred payment methods of the customer base. The following two scenarios show how different the fee structure can be. We only consider the proportion of card payments and do not take cash into account.
Scenario 1: Brick-and-mortar boutique with many EC card payments
A fashion retailer runs a small store in Stuttgart. Sales are made exclusively on site, with around 80 percent of customers paying by EC card.
Initial situation:
Turnover: around 10,000 € per month
EC card payments dominate
Online sales not currently planned, but conceivable in the long term
Focus on low fixed costs and ease of use
In this scenario, EC card fees are particularly relevant. Providers with low flat rates per transaction or volume-based rates offer good conditions here.
Is Mollie a good choice for this scenario?
Mollie is competitively priced and scores particularly well in terms of future viability: if an online shop is added later, the existing infrastructure can be seamlessly expanded—without new contracts or additional systems.
Scenario 2: Omnichannel coffee roaster—Mollie is the perfect fit
A growing coffee business sells through an online shop and its own café, and also delivers to subscription customers in the US and within the EU. Around 60 percent of payments are made online, with the rest via a POS terminal and Tap to Pay in the café.
Initial situation:
Revenue: 35,000 € per month
Payment methods: Credit card, SEPA direct debit, recurring payments
Sales channels: Webshop, subscription model, on-site sales
Growth planned across EU borders
This is where traditional POS providers quickly reach their limits – either in terms of functionality or the cost of card payments for merchants.
Is Mollie a good choice for this scenario?
Mollie offers exactly the combination that matters here: omnichannel capability, flexible integration, support for international payment methods—and, above all, transparent card payment fees that only apply to successful payments. There are no hidden additional costs for features such as subscription payments or EU transactions.
The costs of card payments depend heavily on the business model, sales volume, and preferred payment methods of the customer base. The following two scenarios show how different the fee structure can be. We only consider the proportion of card payments and do not take cash into account.
Scenario 1: Brick-and-mortar boutique with many EC card payments
A fashion retailer runs a small store in Stuttgart. Sales are made exclusively on site, with around 80 percent of customers paying by EC card.
Initial situation:
Turnover: around 10,000 € per month
EC card payments dominate
Online sales not currently planned, but conceivable in the long term
Focus on low fixed costs and ease of use
In this scenario, EC card fees are particularly relevant. Providers with low flat rates per transaction or volume-based rates offer good conditions here.
Is Mollie a good choice for this scenario?
Mollie is competitively priced and scores particularly well in terms of future viability: if an online shop is added later, the existing infrastructure can be seamlessly expanded—without new contracts or additional systems.
Scenario 2: Omnichannel coffee roaster—Mollie is the perfect fit
A growing coffee business sells through an online shop and its own café, and also delivers to subscription customers in the US and within the EU. Around 60 percent of payments are made online, with the rest via a POS terminal and Tap to Pay in the café.
Initial situation:
Revenue: 35,000 € per month
Payment methods: Credit card, SEPA direct debit, recurring payments
Sales channels: Webshop, subscription model, on-site sales
Growth planned across EU borders
This is where traditional POS providers quickly reach their limits – either in terms of functionality or the cost of card payments for merchants.
Is Mollie a good choice for this scenario?
Mollie offers exactly the combination that matters here: omnichannel capability, flexible integration, support for international payment methods—and, above all, transparent card payment fees that only apply to successful payments. There are no hidden additional costs for features such as subscription payments or EU transactions.
The costs of card payments depend heavily on the business model, sales volume, and preferred payment methods of the customer base. The following two scenarios show how different the fee structure can be. We only consider the proportion of card payments and do not take cash into account.
Scenario 1: Brick-and-mortar boutique with many EC card payments
A fashion retailer runs a small store in Stuttgart. Sales are made exclusively on site, with around 80 percent of customers paying by EC card.
Initial situation:
Turnover: around 10,000 € per month
EC card payments dominate
Online sales not currently planned, but conceivable in the long term
Focus on low fixed costs and ease of use
In this scenario, EC card fees are particularly relevant. Providers with low flat rates per transaction or volume-based rates offer good conditions here.
Is Mollie a good choice for this scenario?
Mollie is competitively priced and scores particularly well in terms of future viability: if an online shop is added later, the existing infrastructure can be seamlessly expanded—without new contracts or additional systems.
Scenario 2: Omnichannel coffee roaster—Mollie is the perfect fit
A growing coffee business sells through an online shop and its own café, and also delivers to subscription customers in the US and within the EU. Around 60 percent of payments are made online, with the rest via a POS terminal and Tap to Pay in the café.
Initial situation:
Revenue: 35,000 € per month
Payment methods: Credit card, SEPA direct debit, recurring payments
Sales channels: Webshop, subscription model, on-site sales
Growth planned across EU borders
This is where traditional POS providers quickly reach their limits – either in terms of functionality or the cost of card payments for merchants.
Is Mollie a good choice for this scenario?
Mollie offers exactly the combination that matters here: omnichannel capability, flexible integration, support for international payment methods—and, above all, transparent card payment fees that only apply to successful payments. There are no hidden additional costs for features such as subscription payments or EU transactions.
Card payment comparison: 9 providers put to the test
The fees merchants pay for card payments depend heavily on the provider they choose and the distribution model. The two scenarios outlined above – a brick-and-mortar store and a growing omnichannel business – show how different the total monthly costs can be.
A direct comparison makes it clear that providers with a purely percentage-based pricing structure, such as SumUp or Zettle, offer an easy entry point for smaller businesses with manageable sales volumes. SumUp's card payment fees are 1.39 percent – which sounds attractive at first, but can quickly become more expensive as volumes grow. Orderbird also charges merchants a flat rate of 1.75 percent – Orderbird's card payment fees are therefore easy to calculate, but offer little scope for scaling.
The picture is quite different for providers such as Mollie or Adyen. They work with transaction-based models, where only successful payments are charged – at transparent, comprehensible conditions. Especially in scenario 2, with a strong online presence and high monthly turnover, merchants benefit from predictable cost structures without rigid contractual commitments or additional fees for international payments, subscriptions, or POS integration.
Comparison table: POS fees for EC payments (examples, rounded)
Provider | EC-fees* | Fixed costs/month | Term | Rating |
Mollie | From 0.7 % | 20 € per terminal 0 € with Tap to Pay | None | ⭐⭐⭐⭐⭐ (4,5 out of 5) |
SumUp | 1.39 % | 0 € | None | ⭐⭐⭐⭐ (4,0 out of 5) |
Zettle by PayPal | From 0.95 % | 0 € | None | ⭐⭐⭐(3,0 out of 5) |
Nexi (Concardis) | From 1.19 % | From 15.95 € per terminal From 7,95 € for Tap to Pay | 48 months | ⭐⭐(2,3 out of 5) |
Shopify POS | 1,5 % | ab 25 € (Basic subscription) | None | ⭐ (1,3 out of 5) |
Orderbird | 1,75 % | 39 € | 1 month | ⭐⭐⭐(2,6 out of 5) |
Adyen | ca. 0,95 % + 0,11 € | 0 € | None | ⭐ (1,4 out of 5) |
Stripe Terminal | From 1.4 % + 0.10 € | 0 € | None | ⭐⭐(2,1 out of 5) |
Payone | 0.24 % + 0.08 € | 8.90 € | Variable, up to 48 months | ⭐⭐⭐⭐ (3,9 out of 5) |
credit card payment | 1.52 % (average value) | Depends on provider | Depends on provider |
*Fees depend on volume, industry, card type, and services used. No guarantee.
Fees in practice: Two scenarios in a cost comparison
The fees listed above show how different the cost structure is depending on the provider. In the next step, we compare the total monthly costs for the two merchant profiles from the scenarios – once with a focus on brick-and-mortar sales and once with a strong online presence.
Total monthly costs by use case
Provider | Scenario 1: Boutique (POS) | Scenario 2: Coffee roaster (Omnichannel) |
Mollie | 110 € | 346,50 € |
Adyen | 106,00 € | 416,10 € |
Nexi | 134,95 € | 577,45 € |
Payone | 65,90 € | 438,20 € |
SumUp | 113,90 € | 719,60 € |
Zettle (POS) PayPal (Online) | 131,00 € | 818,90 € |
Orderbird | 214 € | – |
Shopify POS | 175 € | 736,00 € |
Stripe | 150 € | 617,00 € |
Note: The figures are rounded examples for typical merchant profiles in Germany. Online fees are based on publicly available terms and conditions (as of April 2025).
Calculations in detail (per provider and scenario)
Scenario 1: Boutique (POS, 10,000 € turnover)
80 % EC payment (8,000 €)
20 % credit card payment (2,000 €)
Average POS receipt: 100 €, i.e. 100 transactions
Scenario 2: Coffee roaster (POS & online, 35,000 € turnover)
40 % POS (14,000 €)
60 % online (21,000 €)
Average POS receipt: 25 €, i.e. 560 transactions
Average online shopping basket: approx. 105 €, i.e. around 200 transactions
Mollie
POS: 0,7 %, credit card: 1,7 %, Online: 1,8 % + 0,25 €
Boutique total: 20,00 € (Tap-Terminal) + (8.000 € × 0,7 %) + (2.000 € × 1,7 %) = 20,00 + 56,00 € + 34,00 € = 110 €
Coffee roaster POS: 20,00 € + (14.000 € × 0,7 %) = 118,00 €
Coffee roaster Online: (21.000 € × 1,8 %) + (200 × 0,25 €) = 228,50€
Coffee roaster total: 346,50 €
Adyen
POS & Online: 0,95 % + 0,11 €
Boutique total: (10.000 × 0,95 %) + (100 × 0,11 €) = 106,00 €
Coffee roaster POS: (14.000 × 0,95 %) + (560 × 0,11) = 194,60 €
Coffee roaster Online: (21.000 × 0,95 %) + (200 × 0,11) = 221,50 €
Coffee roaster total: 416,10 €
Nexi
POS: 1,19 %, Online: 1,69 % + 0,20 €
Boutique POS: (8.000 € + 2.000 €) × 1,19 % = 119,00 € + 15,95 € (Terminal)
Boutique total: 134,95 €
Coffee roaster POS: 15,95 € (Terminal) + (14.000 × 1,19 %) = 182,55 €
Coffee roaster Online: (21.000 × 1,69 %) + (200 × 0,20 €) = 394,90 €
Coffee roaster total: 577,45 €
Payone
POS: EC: 0,24 % + 0,08 €, credit card: 1,49 % + 0,08 €
Online: credit card: 1,49 % + 0,09 € + 20 € fixed costs
Boutique POS: EC (8.000 € × 0,24 %) + (80 × 0,08 €) = 25,60 €
credit card: (2.000 € × 1,49 %) + (20 × 0,08 €) = 31,40 €
Fixed costs: 8,90 €
Boutique total: 65,90 €
Coffee roaster POS: (14.000 × 0,24 %) + (560 × 0,08 €) + 8,90 € = 87,30 €
Coffee roaster Online: (21.000 × 1,49 %) + (200 × 0,09 €) + 20,00 € = 350,90 €
Coffee roaster total: 438,20 €
SumUp
POS: 1,39 %, Online: 2,5 %
Boutique total: 10.000 € × 1,39 % = 139,00 €
Discount assumed for larger volumes, 113.90 € realistic
Coffee roaster POS: 14.000 € × 1,39 % = 194,60 €
Coffee roaster Online: 21.000 € × 2,5 % = 525,00 €
Coffee roaster total: 719,60 €
Zettle (POS) & PayPal (Online)
POS: EC 0,95 %, KK 2,75 %, Online: 2,99 % + 0,29 €
Boutique: (8.000 € × 0,95 %) = 76,00 €
(2.000 € × 2,75 %) = 55,00 €
Boutique total: 131,00 €
Coffee roaster POS: (14.000 € × 0,95 %) = 133 €
Coffee roaster Online: 21.000 € × 2,99 % + (200 × 0,29 €) = 685,90 €
Coffee roaster total: 818,90 €
Orderbird
POS: Einheitlich 1,75 %
Boutique: 10.000 € × 1,75 % = 175,00 € + 39,00 € Grundgebühr
Boutique total: 214,00 €
Coffee roaster not available
Shopify POS
POS: 1,5 %, Online: 2,1 % + 0,30 €
Boutique: 10.000 € × 1,5 % = 150,00 € + 25,00 € (Basic-Abo)
Boutique total: 175,00 €
Coffee roaster POS: (14.000 × 1,5 %) + 25,00 € (Basic-Abo) = 235,00 €
Coffee roaster Online: (21.000 × 2,1 %) + (200 × 0,30 €) = 501,00 €
Coffee roaster total: 736,00 €
Stripe
POS: 1,4 % + 0,10 €, Online: 1,5 % + 0,25 €
Boutique total: EC 112,00 € + KK 38,00 € = 150,00 €
Coffee roaster POS: (14.000 × 1,4 %) + (560 × 0,1 €) = 252,00 €
Coffee roaster Online: (21.000 × 1,5 %) + (200 × 0,25 €) = 365,00 €
Coffee roaster total: 617,00 €
The fees merchants pay for card payments depend heavily on the provider they choose and the distribution model. The two scenarios outlined above – a brick-and-mortar store and a growing omnichannel business – show how different the total monthly costs can be.
A direct comparison makes it clear that providers with a purely percentage-based pricing structure, such as SumUp or Zettle, offer an easy entry point for smaller businesses with manageable sales volumes. SumUp's card payment fees are 1.39 percent – which sounds attractive at first, but can quickly become more expensive as volumes grow. Orderbird also charges merchants a flat rate of 1.75 percent – Orderbird's card payment fees are therefore easy to calculate, but offer little scope for scaling.
The picture is quite different for providers such as Mollie or Adyen. They work with transaction-based models, where only successful payments are charged – at transparent, comprehensible conditions. Especially in scenario 2, with a strong online presence and high monthly turnover, merchants benefit from predictable cost structures without rigid contractual commitments or additional fees for international payments, subscriptions, or POS integration.
Comparison table: POS fees for EC payments (examples, rounded)
Provider | EC-fees* | Fixed costs/month | Term | Rating |
Mollie | From 0.7 % | 20 € per terminal 0 € with Tap to Pay | None | ⭐⭐⭐⭐⭐ (4,5 out of 5) |
SumUp | 1.39 % | 0 € | None | ⭐⭐⭐⭐ (4,0 out of 5) |
Zettle by PayPal | From 0.95 % | 0 € | None | ⭐⭐⭐(3,0 out of 5) |
Nexi (Concardis) | From 1.19 % | From 15.95 € per terminal From 7,95 € for Tap to Pay | 48 months | ⭐⭐(2,3 out of 5) |
Shopify POS | 1,5 % | ab 25 € (Basic subscription) | None | ⭐ (1,3 out of 5) |
Orderbird | 1,75 % | 39 € | 1 month | ⭐⭐⭐(2,6 out of 5) |
Adyen | ca. 0,95 % + 0,11 € | 0 € | None | ⭐ (1,4 out of 5) |
Stripe Terminal | From 1.4 % + 0.10 € | 0 € | None | ⭐⭐(2,1 out of 5) |
Payone | 0.24 % + 0.08 € | 8.90 € | Variable, up to 48 months | ⭐⭐⭐⭐ (3,9 out of 5) |
credit card payment | 1.52 % (average value) | Depends on provider | Depends on provider |
*Fees depend on volume, industry, card type, and services used. No guarantee.
Fees in practice: Two scenarios in a cost comparison
The fees listed above show how different the cost structure is depending on the provider. In the next step, we compare the total monthly costs for the two merchant profiles from the scenarios – once with a focus on brick-and-mortar sales and once with a strong online presence.
Total monthly costs by use case
Provider | Scenario 1: Boutique (POS) | Scenario 2: Coffee roaster (Omnichannel) |
Mollie | 110 € | 346,50 € |
Adyen | 106,00 € | 416,10 € |
Nexi | 134,95 € | 577,45 € |
Payone | 65,90 € | 438,20 € |
SumUp | 113,90 € | 719,60 € |
Zettle (POS) PayPal (Online) | 131,00 € | 818,90 € |
Orderbird | 214 € | – |
Shopify POS | 175 € | 736,00 € |
Stripe | 150 € | 617,00 € |
Note: The figures are rounded examples for typical merchant profiles in Germany. Online fees are based on publicly available terms and conditions (as of April 2025).
Calculations in detail (per provider and scenario)
Scenario 1: Boutique (POS, 10,000 € turnover)
80 % EC payment (8,000 €)
20 % credit card payment (2,000 €)
Average POS receipt: 100 €, i.e. 100 transactions
Scenario 2: Coffee roaster (POS & online, 35,000 € turnover)
40 % POS (14,000 €)
60 % online (21,000 €)
Average POS receipt: 25 €, i.e. 560 transactions
Average online shopping basket: approx. 105 €, i.e. around 200 transactions
Mollie
POS: 0,7 %, credit card: 1,7 %, Online: 1,8 % + 0,25 €
Boutique total: 20,00 € (Tap-Terminal) + (8.000 € × 0,7 %) + (2.000 € × 1,7 %) = 20,00 + 56,00 € + 34,00 € = 110 €
Coffee roaster POS: 20,00 € + (14.000 € × 0,7 %) = 118,00 €
Coffee roaster Online: (21.000 € × 1,8 %) + (200 × 0,25 €) = 228,50€
Coffee roaster total: 346,50 €
Adyen
POS & Online: 0,95 % + 0,11 €
Boutique total: (10.000 × 0,95 %) + (100 × 0,11 €) = 106,00 €
Coffee roaster POS: (14.000 × 0,95 %) + (560 × 0,11) = 194,60 €
Coffee roaster Online: (21.000 × 0,95 %) + (200 × 0,11) = 221,50 €
Coffee roaster total: 416,10 €
Nexi
POS: 1,19 %, Online: 1,69 % + 0,20 €
Boutique POS: (8.000 € + 2.000 €) × 1,19 % = 119,00 € + 15,95 € (Terminal)
Boutique total: 134,95 €
Coffee roaster POS: 15,95 € (Terminal) + (14.000 × 1,19 %) = 182,55 €
Coffee roaster Online: (21.000 × 1,69 %) + (200 × 0,20 €) = 394,90 €
Coffee roaster total: 577,45 €
Payone
POS: EC: 0,24 % + 0,08 €, credit card: 1,49 % + 0,08 €
Online: credit card: 1,49 % + 0,09 € + 20 € fixed costs
Boutique POS: EC (8.000 € × 0,24 %) + (80 × 0,08 €) = 25,60 €
credit card: (2.000 € × 1,49 %) + (20 × 0,08 €) = 31,40 €
Fixed costs: 8,90 €
Boutique total: 65,90 €
Coffee roaster POS: (14.000 × 0,24 %) + (560 × 0,08 €) + 8,90 € = 87,30 €
Coffee roaster Online: (21.000 × 1,49 %) + (200 × 0,09 €) + 20,00 € = 350,90 €
Coffee roaster total: 438,20 €
SumUp
POS: 1,39 %, Online: 2,5 %
Boutique total: 10.000 € × 1,39 % = 139,00 €
Discount assumed for larger volumes, 113.90 € realistic
Coffee roaster POS: 14.000 € × 1,39 % = 194,60 €
Coffee roaster Online: 21.000 € × 2,5 % = 525,00 €
Coffee roaster total: 719,60 €
Zettle (POS) & PayPal (Online)
POS: EC 0,95 %, KK 2,75 %, Online: 2,99 % + 0,29 €
Boutique: (8.000 € × 0,95 %) = 76,00 €
(2.000 € × 2,75 %) = 55,00 €
Boutique total: 131,00 €
Coffee roaster POS: (14.000 € × 0,95 %) = 133 €
Coffee roaster Online: 21.000 € × 2,99 % + (200 × 0,29 €) = 685,90 €
Coffee roaster total: 818,90 €
Orderbird
POS: Einheitlich 1,75 %
Boutique: 10.000 € × 1,75 % = 175,00 € + 39,00 € Grundgebühr
Boutique total: 214,00 €
Coffee roaster not available
Shopify POS
POS: 1,5 %, Online: 2,1 % + 0,30 €
Boutique: 10.000 € × 1,5 % = 150,00 € + 25,00 € (Basic-Abo)
Boutique total: 175,00 €
Coffee roaster POS: (14.000 × 1,5 %) + 25,00 € (Basic-Abo) = 235,00 €
Coffee roaster Online: (21.000 × 2,1 %) + (200 × 0,30 €) = 501,00 €
Coffee roaster total: 736,00 €
Stripe
POS: 1,4 % + 0,10 €, Online: 1,5 % + 0,25 €
Boutique total: EC 112,00 € + KK 38,00 € = 150,00 €
Coffee roaster POS: (14.000 × 1,4 %) + (560 × 0,1 €) = 252,00 €
Coffee roaster Online: (21.000 × 1,5 %) + (200 × 0,25 €) = 365,00 €
Coffee roaster total: 617,00 €
The fees merchants pay for card payments depend heavily on the provider they choose and the distribution model. The two scenarios outlined above – a brick-and-mortar store and a growing omnichannel business – show how different the total monthly costs can be.
A direct comparison makes it clear that providers with a purely percentage-based pricing structure, such as SumUp or Zettle, offer an easy entry point for smaller businesses with manageable sales volumes. SumUp's card payment fees are 1.39 percent – which sounds attractive at first, but can quickly become more expensive as volumes grow. Orderbird also charges merchants a flat rate of 1.75 percent – Orderbird's card payment fees are therefore easy to calculate, but offer little scope for scaling.
The picture is quite different for providers such as Mollie or Adyen. They work with transaction-based models, where only successful payments are charged – at transparent, comprehensible conditions. Especially in scenario 2, with a strong online presence and high monthly turnover, merchants benefit from predictable cost structures without rigid contractual commitments or additional fees for international payments, subscriptions, or POS integration.
Comparison table: POS fees for EC payments (examples, rounded)
Provider | EC-fees* | Fixed costs/month | Term | Rating |
Mollie | From 0.7 % | 20 € per terminal 0 € with Tap to Pay | None | ⭐⭐⭐⭐⭐ (4,5 out of 5) |
SumUp | 1.39 % | 0 € | None | ⭐⭐⭐⭐ (4,0 out of 5) |
Zettle by PayPal | From 0.95 % | 0 € | None | ⭐⭐⭐(3,0 out of 5) |
Nexi (Concardis) | From 1.19 % | From 15.95 € per terminal From 7,95 € for Tap to Pay | 48 months | ⭐⭐(2,3 out of 5) |
Shopify POS | 1,5 % | ab 25 € (Basic subscription) | None | ⭐ (1,3 out of 5) |
Orderbird | 1,75 % | 39 € | 1 month | ⭐⭐⭐(2,6 out of 5) |
Adyen | ca. 0,95 % + 0,11 € | 0 € | None | ⭐ (1,4 out of 5) |
Stripe Terminal | From 1.4 % + 0.10 € | 0 € | None | ⭐⭐(2,1 out of 5) |
Payone | 0.24 % + 0.08 € | 8.90 € | Variable, up to 48 months | ⭐⭐⭐⭐ (3,9 out of 5) |
credit card payment | 1.52 % (average value) | Depends on provider | Depends on provider |
*Fees depend on volume, industry, card type, and services used. No guarantee.
Fees in practice: Two scenarios in a cost comparison
The fees listed above show how different the cost structure is depending on the provider. In the next step, we compare the total monthly costs for the two merchant profiles from the scenarios – once with a focus on brick-and-mortar sales and once with a strong online presence.
Total monthly costs by use case
Provider | Scenario 1: Boutique (POS) | Scenario 2: Coffee roaster (Omnichannel) |
Mollie | 110 € | 346,50 € |
Adyen | 106,00 € | 416,10 € |
Nexi | 134,95 € | 577,45 € |
Payone | 65,90 € | 438,20 € |
SumUp | 113,90 € | 719,60 € |
Zettle (POS) PayPal (Online) | 131,00 € | 818,90 € |
Orderbird | 214 € | – |
Shopify POS | 175 € | 736,00 € |
Stripe | 150 € | 617,00 € |
Note: The figures are rounded examples for typical merchant profiles in Germany. Online fees are based on publicly available terms and conditions (as of April 2025).
Calculations in detail (per provider and scenario)
Scenario 1: Boutique (POS, 10,000 € turnover)
80 % EC payment (8,000 €)
20 % credit card payment (2,000 €)
Average POS receipt: 100 €, i.e. 100 transactions
Scenario 2: Coffee roaster (POS & online, 35,000 € turnover)
40 % POS (14,000 €)
60 % online (21,000 €)
Average POS receipt: 25 €, i.e. 560 transactions
Average online shopping basket: approx. 105 €, i.e. around 200 transactions
Mollie
POS: 0,7 %, credit card: 1,7 %, Online: 1,8 % + 0,25 €
Boutique total: 20,00 € (Tap-Terminal) + (8.000 € × 0,7 %) + (2.000 € × 1,7 %) = 20,00 + 56,00 € + 34,00 € = 110 €
Coffee roaster POS: 20,00 € + (14.000 € × 0,7 %) = 118,00 €
Coffee roaster Online: (21.000 € × 1,8 %) + (200 × 0,25 €) = 228,50€
Coffee roaster total: 346,50 €
Adyen
POS & Online: 0,95 % + 0,11 €
Boutique total: (10.000 × 0,95 %) + (100 × 0,11 €) = 106,00 €
Coffee roaster POS: (14.000 × 0,95 %) + (560 × 0,11) = 194,60 €
Coffee roaster Online: (21.000 × 0,95 %) + (200 × 0,11) = 221,50 €
Coffee roaster total: 416,10 €
Nexi
POS: 1,19 %, Online: 1,69 % + 0,20 €
Boutique POS: (8.000 € + 2.000 €) × 1,19 % = 119,00 € + 15,95 € (Terminal)
Boutique total: 134,95 €
Coffee roaster POS: 15,95 € (Terminal) + (14.000 × 1,19 %) = 182,55 €
Coffee roaster Online: (21.000 × 1,69 %) + (200 × 0,20 €) = 394,90 €
Coffee roaster total: 577,45 €
Payone
POS: EC: 0,24 % + 0,08 €, credit card: 1,49 % + 0,08 €
Online: credit card: 1,49 % + 0,09 € + 20 € fixed costs
Boutique POS: EC (8.000 € × 0,24 %) + (80 × 0,08 €) = 25,60 €
credit card: (2.000 € × 1,49 %) + (20 × 0,08 €) = 31,40 €
Fixed costs: 8,90 €
Boutique total: 65,90 €
Coffee roaster POS: (14.000 × 0,24 %) + (560 × 0,08 €) + 8,90 € = 87,30 €
Coffee roaster Online: (21.000 × 1,49 %) + (200 × 0,09 €) + 20,00 € = 350,90 €
Coffee roaster total: 438,20 €
SumUp
POS: 1,39 %, Online: 2,5 %
Boutique total: 10.000 € × 1,39 % = 139,00 €
Discount assumed for larger volumes, 113.90 € realistic
Coffee roaster POS: 14.000 € × 1,39 % = 194,60 €
Coffee roaster Online: 21.000 € × 2,5 % = 525,00 €
Coffee roaster total: 719,60 €
Zettle (POS) & PayPal (Online)
POS: EC 0,95 %, KK 2,75 %, Online: 2,99 % + 0,29 €
Boutique: (8.000 € × 0,95 %) = 76,00 €
(2.000 € × 2,75 %) = 55,00 €
Boutique total: 131,00 €
Coffee roaster POS: (14.000 € × 0,95 %) = 133 €
Coffee roaster Online: 21.000 € × 2,99 % + (200 × 0,29 €) = 685,90 €
Coffee roaster total: 818,90 €
Orderbird
POS: Einheitlich 1,75 %
Boutique: 10.000 € × 1,75 % = 175,00 € + 39,00 € Grundgebühr
Boutique total: 214,00 €
Coffee roaster not available
Shopify POS
POS: 1,5 %, Online: 2,1 % + 0,30 €
Boutique: 10.000 € × 1,5 % = 150,00 € + 25,00 € (Basic-Abo)
Boutique total: 175,00 €
Coffee roaster POS: (14.000 × 1,5 %) + 25,00 € (Basic-Abo) = 235,00 €
Coffee roaster Online: (21.000 × 2,1 %) + (200 × 0,30 €) = 501,00 €
Coffee roaster total: 736,00 €
Stripe
POS: 1,4 % + 0,10 €, Online: 1,5 % + 0,25 €
Boutique total: EC 112,00 € + KK 38,00 € = 150,00 €
Coffee roaster POS: (14.000 × 1,4 %) + (560 × 0,1 €) = 252,00 €
Coffee roaster Online: (21.000 × 1,5 %) + (200 × 0,25 €) = 365,00 €
Coffee roaster total: 617,00 €
The fees merchants pay for card payments depend heavily on the provider they choose and the distribution model. The two scenarios outlined above – a brick-and-mortar store and a growing omnichannel business – show how different the total monthly costs can be.
A direct comparison makes it clear that providers with a purely percentage-based pricing structure, such as SumUp or Zettle, offer an easy entry point for smaller businesses with manageable sales volumes. SumUp's card payment fees are 1.39 percent – which sounds attractive at first, but can quickly become more expensive as volumes grow. Orderbird also charges merchants a flat rate of 1.75 percent – Orderbird's card payment fees are therefore easy to calculate, but offer little scope for scaling.
The picture is quite different for providers such as Mollie or Adyen. They work with transaction-based models, where only successful payments are charged – at transparent, comprehensible conditions. Especially in scenario 2, with a strong online presence and high monthly turnover, merchants benefit from predictable cost structures without rigid contractual commitments or additional fees for international payments, subscriptions, or POS integration.
Comparison table: POS fees for EC payments (examples, rounded)
Provider | EC-fees* | Fixed costs/month | Term | Rating |
Mollie | From 0.7 % | 20 € per terminal 0 € with Tap to Pay | None | ⭐⭐⭐⭐⭐ (4,5 out of 5) |
SumUp | 1.39 % | 0 € | None | ⭐⭐⭐⭐ (4,0 out of 5) |
Zettle by PayPal | From 0.95 % | 0 € | None | ⭐⭐⭐(3,0 out of 5) |
Nexi (Concardis) | From 1.19 % | From 15.95 € per terminal From 7,95 € for Tap to Pay | 48 months | ⭐⭐(2,3 out of 5) |
Shopify POS | 1,5 % | ab 25 € (Basic subscription) | None | ⭐ (1,3 out of 5) |
Orderbird | 1,75 % | 39 € | 1 month | ⭐⭐⭐(2,6 out of 5) |
Adyen | ca. 0,95 % + 0,11 € | 0 € | None | ⭐ (1,4 out of 5) |
Stripe Terminal | From 1.4 % + 0.10 € | 0 € | None | ⭐⭐(2,1 out of 5) |
Payone | 0.24 % + 0.08 € | 8.90 € | Variable, up to 48 months | ⭐⭐⭐⭐ (3,9 out of 5) |
credit card payment | 1.52 % (average value) | Depends on provider | Depends on provider |
*Fees depend on volume, industry, card type, and services used. No guarantee.
Fees in practice: Two scenarios in a cost comparison
The fees listed above show how different the cost structure is depending on the provider. In the next step, we compare the total monthly costs for the two merchant profiles from the scenarios – once with a focus on brick-and-mortar sales and once with a strong online presence.
Total monthly costs by use case
Provider | Scenario 1: Boutique (POS) | Scenario 2: Coffee roaster (Omnichannel) |
Mollie | 110 € | 346,50 € |
Adyen | 106,00 € | 416,10 € |
Nexi | 134,95 € | 577,45 € |
Payone | 65,90 € | 438,20 € |
SumUp | 113,90 € | 719,60 € |
Zettle (POS) PayPal (Online) | 131,00 € | 818,90 € |
Orderbird | 214 € | – |
Shopify POS | 175 € | 736,00 € |
Stripe | 150 € | 617,00 € |
Note: The figures are rounded examples for typical merchant profiles in Germany. Online fees are based on publicly available terms and conditions (as of April 2025).
Calculations in detail (per provider and scenario)
Scenario 1: Boutique (POS, 10,000 € turnover)
80 % EC payment (8,000 €)
20 % credit card payment (2,000 €)
Average POS receipt: 100 €, i.e. 100 transactions
Scenario 2: Coffee roaster (POS & online, 35,000 € turnover)
40 % POS (14,000 €)
60 % online (21,000 €)
Average POS receipt: 25 €, i.e. 560 transactions
Average online shopping basket: approx. 105 €, i.e. around 200 transactions
Mollie
POS: 0,7 %, credit card: 1,7 %, Online: 1,8 % + 0,25 €
Boutique total: 20,00 € (Tap-Terminal) + (8.000 € × 0,7 %) + (2.000 € × 1,7 %) = 20,00 + 56,00 € + 34,00 € = 110 €
Coffee roaster POS: 20,00 € + (14.000 € × 0,7 %) = 118,00 €
Coffee roaster Online: (21.000 € × 1,8 %) + (200 × 0,25 €) = 228,50€
Coffee roaster total: 346,50 €
Adyen
POS & Online: 0,95 % + 0,11 €
Boutique total: (10.000 × 0,95 %) + (100 × 0,11 €) = 106,00 €
Coffee roaster POS: (14.000 × 0,95 %) + (560 × 0,11) = 194,60 €
Coffee roaster Online: (21.000 × 0,95 %) + (200 × 0,11) = 221,50 €
Coffee roaster total: 416,10 €
Nexi
POS: 1,19 %, Online: 1,69 % + 0,20 €
Boutique POS: (8.000 € + 2.000 €) × 1,19 % = 119,00 € + 15,95 € (Terminal)
Boutique total: 134,95 €
Coffee roaster POS: 15,95 € (Terminal) + (14.000 × 1,19 %) = 182,55 €
Coffee roaster Online: (21.000 × 1,69 %) + (200 × 0,20 €) = 394,90 €
Coffee roaster total: 577,45 €
Payone
POS: EC: 0,24 % + 0,08 €, credit card: 1,49 % + 0,08 €
Online: credit card: 1,49 % + 0,09 € + 20 € fixed costs
Boutique POS: EC (8.000 € × 0,24 %) + (80 × 0,08 €) = 25,60 €
credit card: (2.000 € × 1,49 %) + (20 × 0,08 €) = 31,40 €
Fixed costs: 8,90 €
Boutique total: 65,90 €
Coffee roaster POS: (14.000 × 0,24 %) + (560 × 0,08 €) + 8,90 € = 87,30 €
Coffee roaster Online: (21.000 × 1,49 %) + (200 × 0,09 €) + 20,00 € = 350,90 €
Coffee roaster total: 438,20 €
SumUp
POS: 1,39 %, Online: 2,5 %
Boutique total: 10.000 € × 1,39 % = 139,00 €
Discount assumed for larger volumes, 113.90 € realistic
Coffee roaster POS: 14.000 € × 1,39 % = 194,60 €
Coffee roaster Online: 21.000 € × 2,5 % = 525,00 €
Coffee roaster total: 719,60 €
Zettle (POS) & PayPal (Online)
POS: EC 0,95 %, KK 2,75 %, Online: 2,99 % + 0,29 €
Boutique: (8.000 € × 0,95 %) = 76,00 €
(2.000 € × 2,75 %) = 55,00 €
Boutique total: 131,00 €
Coffee roaster POS: (14.000 € × 0,95 %) = 133 €
Coffee roaster Online: 21.000 € × 2,99 % + (200 × 0,29 €) = 685,90 €
Coffee roaster total: 818,90 €
Orderbird
POS: Einheitlich 1,75 %
Boutique: 10.000 € × 1,75 % = 175,00 € + 39,00 € Grundgebühr
Boutique total: 214,00 €
Coffee roaster not available
Shopify POS
POS: 1,5 %, Online: 2,1 % + 0,30 €
Boutique: 10.000 € × 1,5 % = 150,00 € + 25,00 € (Basic-Abo)
Boutique total: 175,00 €
Coffee roaster POS: (14.000 × 1,5 %) + 25,00 € (Basic-Abo) = 235,00 €
Coffee roaster Online: (21.000 × 2,1 %) + (200 × 0,30 €) = 501,00 €
Coffee roaster total: 736,00 €
Stripe
POS: 1,4 % + 0,10 €, Online: 1,5 % + 0,25 €
Boutique total: EC 112,00 € + KK 38,00 € = 150,00 €
Coffee roaster POS: (14.000 × 1,4 %) + (560 × 0,1 €) = 252,00 €
Coffee roaster Online: (21.000 × 1,5 %) + (200 × 0,25 €) = 365,00 €
Coffee roaster total: 617,00 €
Beware of additional costs: When the POS system becomes a cost trap
At first glance, providers that only offer stationary payment options often appear to be inexpensive. In many cases, card payment fees are flat rates and therefore easy to calculate – especially for smaller retailers. However, as sales grow or new requirements arise, it quickly becomes apparent that many costs are not immediately apparent or increase disproportionately.
Typical hidden or overlooked additional costs:
Fees for refunds or chargebacks: usually not included in the standard price
Restricted payment methods: for example, no credit cards or digital wallets
No access to online trading: online shop integration is often only possible via additional systems
Lack of scalability: percentage-based fee models quickly become expensive with higher turnover
Contractual commitment: many providers rely on long contract terms with limited flexibility
The fees for EC card payments also appear to be predictable at first glance. However, additional costs for device rental, limited card acceptance or service packages can quickly change the picture.
Those who are committed to long-term efficiency and growth should therefore choose a model that supports both stationary and digital payments – with uniform administration, a transparent price structure and fair fees for card payments that are based on the company's actual turnover across all channels.
At first glance, providers that only offer stationary payment options often appear to be inexpensive. In many cases, card payment fees are flat rates and therefore easy to calculate – especially for smaller retailers. However, as sales grow or new requirements arise, it quickly becomes apparent that many costs are not immediately apparent or increase disproportionately.
Typical hidden or overlooked additional costs:
Fees for refunds or chargebacks: usually not included in the standard price
Restricted payment methods: for example, no credit cards or digital wallets
No access to online trading: online shop integration is often only possible via additional systems
Lack of scalability: percentage-based fee models quickly become expensive with higher turnover
Contractual commitment: many providers rely on long contract terms with limited flexibility
The fees for EC card payments also appear to be predictable at first glance. However, additional costs for device rental, limited card acceptance or service packages can quickly change the picture.
Those who are committed to long-term efficiency and growth should therefore choose a model that supports both stationary and digital payments – with uniform administration, a transparent price structure and fair fees for card payments that are based on the company's actual turnover across all channels.
At first glance, providers that only offer stationary payment options often appear to be inexpensive. In many cases, card payment fees are flat rates and therefore easy to calculate – especially for smaller retailers. However, as sales grow or new requirements arise, it quickly becomes apparent that many costs are not immediately apparent or increase disproportionately.
Typical hidden or overlooked additional costs:
Fees for refunds or chargebacks: usually not included in the standard price
Restricted payment methods: for example, no credit cards or digital wallets
No access to online trading: online shop integration is often only possible via additional systems
Lack of scalability: percentage-based fee models quickly become expensive with higher turnover
Contractual commitment: many providers rely on long contract terms with limited flexibility
The fees for EC card payments also appear to be predictable at first glance. However, additional costs for device rental, limited card acceptance or service packages can quickly change the picture.
Those who are committed to long-term efficiency and growth should therefore choose a model that supports both stationary and digital payments – with uniform administration, a transparent price structure and fair fees for card payments that are based on the company's actual turnover across all channels.
At first glance, providers that only offer stationary payment options often appear to be inexpensive. In many cases, card payment fees are flat rates and therefore easy to calculate – especially for smaller retailers. However, as sales grow or new requirements arise, it quickly becomes apparent that many costs are not immediately apparent or increase disproportionately.
Typical hidden or overlooked additional costs:
Fees for refunds or chargebacks: usually not included in the standard price
Restricted payment methods: for example, no credit cards or digital wallets
No access to online trading: online shop integration is often only possible via additional systems
Lack of scalability: percentage-based fee models quickly become expensive with higher turnover
Contractual commitment: many providers rely on long contract terms with limited flexibility
The fees for EC card payments also appear to be predictable at first glance. However, additional costs for device rental, limited card acceptance or service packages can quickly change the picture.
Those who are committed to long-term efficiency and growth should therefore choose a model that supports both stationary and digital payments – with uniform administration, a transparent price structure and fair fees for card payments that are based on the company's actual turnover across all channels.
How retailers can find the right fee model
If you want to accept payments in-store and online, you should not rely solely on individual prices or promises. It is much more important to find a provider that suits your current situation and can grow with your business. Card payment fees play a key role here, as they directly affect your margins.
A good payment provider not only offers low entry costs, but also a pricing model that remains fair in the long term. This applies to brick-and-mortar retailers as well as companies with a growing e-commerce share. If you want to control your card payment costs, you need transparency and flexibility.
You should pay particular attention to the following:
Cross-channel billing: Uniform fees for card payments, with no distinction between online and POS
Transparent pricing structure: No hidden fees, no minimum turnover
Scalability: The fee model should remain viable even as volumes grow
International payment methods: Credit cards, wallets and local payment methods must be covered
Recurring payments: Ideal for subscriptions and long-term customer loyalty
Technical integration: The simpler the connection, the more efficient the operation
It is particularly important to take a close look when choosing an omnichannel provider: How do card payment fees develop when new channels are added? How do card payment costs change when you sell internationally or introduce subscription models?
A modern pricing model grows with your business – without hidden additional costs or complicated fee structures. Merchants who think long term therefore not only compare the current price, but also pay attention to how card payment fees develop in the context of their overall business model.
How much do merchants pay in fees for card payments?
The fees for card payments depend on the provider, the payment method and the sales channel. For debit cards, they are usually between 0.8 and 1.5 %, for credit cards between 1.2 % and 3 %.
What costs do merchants incur when accepting card payments?
Card payments incur both variable and fixed costs. The costs of card payments consist of transaction fees, possible basic fees and surcharges for refunds, terminals or special payment types. Online payments are often more expensive than stationary payments.
What advantages does Mollie offer for POS payments?
Mollie offers easy integration, no contract commitment and transparent fees for card payments – even for POS payments. Merchants only pay for successful transactions, regardless of the channel. Tap to Pay even works without additional hardware, making it ideal for small and growing businesses.
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Simplify payments and money management
Drive revenue, reduce costs, and manage funds with Mollie.
Simplify payments and money management
Whether you want to grow internationally or focus on a specific market, everything is possible. Mollie supports all known payment methods, so you can grow your business regardless of location.
Simplify payments and money management
Drive revenue, reduce costs, and manage funds with Mollie.