Euro (EUR)
Published processing fees and market availability for the Euro (EUR) across 27 gateways, bank acquirers, and payment rails serving Andorra, Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, Vatican City, Kosovo. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Europe payments guide · All Europe currencies
Who serves this currency
All 27 gateways, bank acquirers and wallets serving EUR markets, including providers with published EUR fee schedules (10) and custom/quote-only processors (17).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeEEA cards; standard EEA pricing. | Published fees |
| SquareOnline EEA cards in IE/FR/ES/DE; non-EEA cards 2.9% + €0.25. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeEuropean standard card processing. | Published fees |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| MollieEEA consumer cards 1.8% + €0.25 (non-EEA/commercial 2.9% + €0.25). iDEAL €0.29 flat, Bancontact €0.39. | Published fees |
| TropiPayRegional availability, ask for a quote. | Serves this market |
| SumUpOnline payment links & invoicing 2.5% (in-person POS ~1.39%–1.69%); no monthly fee. | Published fees |
| Viva.com (Viva Wallet)Standard online checkout; fee drops as low as 0% when spending via Viva business debit card. | Published fees |
| myPOSEEA consumer cards. | Published fees |
| PayrexxRegional availability, ask for a quote. | Serves this market |
| PensoPayRegional availability, ask for a quote. | Serves this market |
| Teya (formerly Borgun / SaltPay)Regional availability, ask for a quote. | Serves this market |
| Rapyd (Valitor)Regional availability, ask for a quote. | Serves this market |
| ComgateRegional availability, ask for a quote. | Serves this market |
| BarionRegional availability, ask for a quote. | Serves this market |
| WSPay (Monri)Regional availability, ask for a quote. | Serves this market |
| AirwallexRegional availability, ask for a quote. | Serves this market |
| Getnet (Santander)Regional availability, ask for a quote. | Serves this market |
| Monri Payments (PikPay / WSPay)Regional availability, ask for a quote. | Serves this market |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalEU commercial transactions. | Published fees |
| GoCardlessSEPA direct debit, not card payments. | Published fees |
| Vipps MobilePayRegional availability, ask for a quote. | Serves this market |
| GoPayRegional availability, ask for a quote. | Serves this market |
| POKPOK merchant checkout in Kosovo & Albania. | Published fees |
| Payoneer Profile →Receiving: 1% from EU/UK bank payers. See our Payoneer profile. | Custom pricing |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (10 of 27 providers serving EUR). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified EUR rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 27 providers serving EUR.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (17 additional providers serve EUR with custom or quote-only pricing—see all 27 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeEEA cards; standard EEA pricing. | 1.5%+1.5% international cards | €0.25 | n/a | +1.5% |
| SquareOnline EEA cards in IE/FR/ES/DE; non-EEA cards 2.9% + €0.25. | 1.4%+1.5% international cards | €0.25 | n/a | +1.5% |
| BraintreeEuropean standard card processing. | 1.9%+1% international cards | €0.30 | n/a | +1% |
| MollieEEA consumer cards 1.8% + €0.25 (non-EEA/commercial 2.9% + €0.25). iDEAL €0.29 flat, Bancontact €0.39. | 1.8%+1.45% international cards | €0.25 | n/a | +1.45% |
| SumUpOnline payment links & invoicing 2.5% (in-person POS ~1.39%–1.69%); no monthly fee. | 2.5% | €0.00 | n/a | Same rate |
| Viva.com (Viva Wallet)Standard online checkout; fee drops as low as 0% when spending via Viva business debit card. | 2.19% | €0.24 | n/a | Same rate |
| myPOSEEA consumer cards. | 1.3%+1.55% international cards | €0.05 | n/a | +1.55% |
Compare two EUR card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in EUR.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalEU commercial transactions. | 2.49%+1.99% international cards | €0.35 | n/a | +1.99% |
| GoCardlessSEPA direct debit, not card payments. | 1% | €0.20 | €4.00 | Same rate |
| POKPOK merchant checkout in Kosovo & Albania. | 1.5% | €0.00 | n/a | Same rate |
Monthly, plan & setup fees (EUR)
23 of 27 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| SquareSquare Plus: US$29/mo (locks in 2.9% + $0.30 online in US vs 3.3% + $0.30 on Free plan) | $0/mo + tiers | $0/mo (Free plan) | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| MollieNo monthly fee or minimum volume; pay only per successful transaction | No monthly fee | €0/mo | €0 |
| TropiPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| SumUpPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Viva.com (Viva Wallet)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| myPOSPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PayrexxStarter CHF 15/mo, Plus CHF 29/mo, Pro CHF 59/mo (billed annually) | Monthly plan | From CHF 15/mo | CHF 0 |
| PensoPayBasic 0 DKK/mo (4 DKK fixed/txn); Startup 49 DKK/mo; Business 99 DKK/mo | $0/mo + tiers | 0 DKK/mo (Basic) | 0 DKK |
| Teya (formerly Borgun / SaltPay)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Rapyd (Valitor)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| ComgatePay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| BarionPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| WSPay (Monri)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Getnet (Santander)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Monri Payments (PikPay / WSPay)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GoCardlessAdvanced / Pro plans (£50–£200/mo) add custom branding & automated retry logic | $0/mo + tiers | $0 / £0 / €0/mo (Standard) | $0 |
| Vipps MobilePayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| GoPayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| POKNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Euro (EUR) payment gateway FAQs
Which payment gateways and processors serve Andorra, Austria, Belgium and 23 more (EUR)?
Sympli5 tracks 27 payment gateways, bank acquirers, and payment rails serving Andorra, Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, Vatican City, Kosovo (Euro, EUR), including Stripe, PayPal, Square, Adyen, Checkout.com, Braintree and 21 others. Of these, 10 publish verifiable standard EUR per-transaction schedules and 17 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Euro (EUR)?
Among the 10 providers with publicly verified EUR schedules, the lowest headline variable rate starts at 1% + €0.20 (capped at €4.00) via GoCardless. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive EUR calculator on this page to compare exact net payouts.
Do EUR payment gateways charge monthly or setup fees?
Of the 27 providers serving EUR markets, 23 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for EUR transactions?
An international (foreign-issued) card fee applies when a customer pays your business in EUR using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In EUR, providers like Stripe (+1.5%), PayPal (+1.99%), Square (+1.5%) add an explicit cross-border card surcharge on top of their domestic rate.