2024-12-16

Indicative Card Scheme Fee Rates as of January 2025

Spain

Definitions:
Domestic transaction: A domestic payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located in the same country as the that of the point of sale.

Intra EEA transaction: An Intra EEA payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located in a different EEA member state than that of the point of sale.

Intra non-EEA transaction: An Intra non-EEA payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located outside the EEA but still in the Europe region and the point of sale is within the EEA and vice versa.

Interregional transaction: An Interregional payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located outside of the Europe Region and the point of sale lies within the Europe Region and vice versa.

Depending on Trx

Terminal Criterias
Trx (with regional
Applies to every

(see remarks)
differences)
Brand Mastercard Maestro Debit Mastercard Visa V PAY / Visa Debit UnionPay Diners JCB

Fee Type Remarks

/
Domestic/ SEPA Region
Region Domestic Intra Inter Domestic Intra Inter Domestic Intra Inter Domestic Intra Inter Domestic Intra Inter Inter Inter
Intra (Oct 2022)
Amount Limit
Micro < € 5.00 € 0,0004 € 0,0004 € 0,0004 € 0,0004 € 0,0004 € 0,0004
Mid € 5 - € 25 € 0,0007 € 0,0007 € 0,0007 € 0,0007 € 0,0007 € 0,0007
MC Clearing Acquirer POS X € 0,0050 € 0,0050 € 0,0050
Macro > € 25 - € 100 € 0,0035 € 0,0035 € 0,0035 € 0,0035 € 0,0035 € 0,0035
Max > € 100 € 0,0070 € 0,0070 € 0,0070 € 0,0070 € 0,0070 € 0,0070
MC Acquirer Volume Fee X 0,0460% 0,0460% 0,0460% 0,0460% 0,0460% 0,0460% 0,0460% 0,0460% 0,0460%
MC Acquiring Reported Transaction Fee X € 0,2000 € 0,2000 € 0,2000 € 0,2000 € 0,2000
MC Market Development Fund X 0,0075% 0,0075% 0,0075% 0,0075% 0,0075% 0,0075% 0,0075% 0,0075% 0,0075%
MC Innovation Fund X 0,0060% 0,0060% 0,0060% 0,0060% 0,0060% 0,0060% 0,0060% 0,0060% 0,0060%
MC Acquirer Authorisation Fee X 0,0090% 0,0090% 0,0090% 0,0090% 0,0090% 0,0090% 0,0090% 0,0090% 0,0090%
Non-Trx based Card Scheme Fees X 0,0125% 0,0125% 0,0125% 0,0120% 0,0120% 0,0120% 0,0120% 0,0120% 0,0120%
Excluding Intra-Europe trx in EURO where merchant and issuer country
both are in the extended Eurozone (Eurozone & Sweden) 0,1500% 0,6500% 0,1000% 0,6000% 0,1000% 0,6000%
MC Acquirer Cross-Border Fee (Consumer) X
Inter rates revised as of 01/07/2024 (0,1200%) (0,7500%) (0,1200%) (0,7500%) (0,1200%) (0,7500%)
Intra-Europe rates revised for consumer cards as of 14/07/2025
Excluding Intra-Europe trx in EURO where merchant and issuer country
both are in the extended Eurozone (Eurozone & Sweden) 0,1500% 0,6500% 0,1000% 0,6000% 0,1000% 0,6000%
MC Acquirer Cross-Border Fee (Commercial) X
Revised rates as of 01/07/2024 (0,1700%) (0,7500%) (0,1700%) (0,7500%) (0,1700%) (0,7500%)
Intra-Europe rates revised for commercial cards as of 14/07/2025
Applies for card-not-present transactions.
Excluding Intra-Europe trx in EURO where merchant and issuer country 0,0500% 0,0500% 0,0500%
MC Acquirer Card-Not-Present Fee X 0,0250% 0,0250% 0,0250%
both are in the extended Eurozone (Eurozone & Sweden) (0,1500%) (0,1500%) (0,1500%)
Revised rates as of 01/07/2024
MC Acquirer Mail Order / Telephone Order (MOTO) Fee X Applies to all Card not Present MOTO trx 0,0250% 0,0250% 0,0500% 0,0250% 0,0250% 0,0500% 0,0250% 0,0250% 0,0500%
MC Non-EMV / Non-Contactless Acquirer Fee X Non-EMV / Non-Contactless terminal only 0,0400% 0,0400% 0,0400% 0,0400% 0,0400% 0,0400% 0,0400% 0,0400% 0,0400%
0.0155% 0.0155% 0.0310% 0.0155% 0.0155% 0.0310% 0.0155% 0.0155% 0.0310%
MC EMV 3DS Authentication Fee X Applies for EMV 3DS (3DS2) authenticated cardholder intitiated purchase
(max € 0.155) (max € 0.155) (max € 0.31) (max € 0.155) (max € 0.155) (max € 0.31) (max € 0.155) (max € 0.155) (max € 0.31)

Applies for EMV 3DS (3DS2) authenticated merchant initiated recurring 0.0050% 0.0050% 0.0100% 0.0050% 0.0050% 0.0100% 0.0050% 0.0050% 0.0100%
MC EMV 3DS Authentication Fee - Recurring X
payment (not applied to standard authorization only recurring transactions) (max € 0.05) (max € 0.05) (max € 0.10) (max € 0.05) (max € 0.05) (max € 0.10) (max 0.05€) (max 0.05€) (max 0.1€)

Applies for EMV 3DS (3DS2) authentication for purpose of adding card for
MC EMV 3DS Card Add Fee X € 0,0300 € 0,0300 € 0,0300 € 0,0300 € 0,0300 € 0,0300 € 0,0300 € 0,0300 € 0,0300
COF
MC Address Verification Service Fee X Applies for non-secure authorization requests with AVS data € 0,0100 € 0,0100 € 0,0100 € 0,0100 € 0,0100 € 0,0100 € 0,0100 € 0,0100 € 0,0100
MC CVC2 Fee X Applies for non-secure e-com or MOTO trx with CVC2 € 0,0025 € 0,0025 € 0,0025 € 0,0025 € 0,0025 € 0,0025 € 0,0025 € 0,0025 € 0,0025
Applies for F2F transactions that are processed with MC tokens
MC Token Validation and Lifecycle Service Fee (F2F) x 0,0100% 0,0100% 0,0500% 0,0100% 0,0100% 0,0500% 0,0100% 0,0100% 0,0500%
Introduced as of 07/10/2024
Applies for CNP transactions that are processed with MC tokens
MC Token Validation and Lifecycle Service Fee (CNP) x 0,0200% 0,0200% 0,1000% 0,0200% 0,0200% 0,1000% 0,0200% 0,0200% 0,1000%
Introduced as of 07/10/2024

E-Commerce Fee (CNP only): 0.75% (JPY currency) or 0.25% (non-JPY currency)
MC Acquirer Performance Development – No Authentication X Applies for non-Secure CNP trx only 0,0600% 0,0600% 0,0600% 0,0600% 0,0600% 0,0600% 0,0600% 0,0600% 0,0600%

Assessment Fee (CP & CNP): 0.05% (not applicable for local-currency CNP)
MC Acquirer Performance Development – Not tokenized COF X Applies for Credential on file trx without scheme token 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500%
Fee charged if billable exemption indicators are used (Low Fraud/TRA, Low-
MC Exemption Indicator Fee x € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200
Value Payment, SCA Delegation)

Airline MCCs: 0% (above listed fees are not applicable)

eCom MCC Airport, Education, Insurance: 0.15%
MC Authorisation Integrity Fee X Incompliant Final Authorisations only 0,2800% 0,2800% 0,2800% 0,2800% 0,2800% 0,2800% 0,2800% 0,2800% 0,2800%
Applies to Pre-Authorizations only, fee is applied instead of the MC Acquirer
MC PreAuthorisation Fee X 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500%

Cross-border Fee (CP & CNP): 0.45%

Authorisation Fee
Applied for Automatic Fuel Dispenser & Electric Vehicle Charging

eCom Standard: 0.20%

merchants, applies for pre-authorizations only (assessed instead of the MC
MC PreAuthorisation Fee for AFD and EVC X 0,0150% 0,0150% 0,0150% 0,0150% 0,0150% 0,0150% 0,0150% 0,0150% 0,0150%
Acquirer Authorization Fee)

F2F: 0.10%
Introduced as of 01/07/2024
MC PSD2 Key Entered Transaction Fee X € 0,2000 € 0,2000 € 0,2000 € 0,2000 € 0,2000 € 0,2000 0,1200% 0,4500%
MC PSD2 Chip transactions without CVM Fee X Domestic & Intra EEA trx at POS with chip but no CVM € 0,3000 € 0,3000 € 0,3000 € 0,3000 € 0,3000 € 0,3000
Applies to each reattempt authorization after an initial decline with indicator
MC Reattempts Fee X € 0,5000 € 0,5000 € 0,5000 € 0,5000 € 0,5000 € 0,5000 € 0,5000 € 0,5000 € 0,5000
"Do not retry" (E-com only).
Applies for contacless transactions processed on terminals that do not 0.044% 0.044% 0.044% 0.044% 0.044% 0.044% 0.044% 0.044% 0.044%
MC Single Tap Enablement Fee X
support Single Tap. (max: € 0.44) (max: € 0.44) (max: € 0.44) (max: € 0.44) (max: € 0.44) (max: € 0.44) (max: € 0.44) (max: € 0.44) (max: € 0.44)
Applies for GWTTP Trx only. This fee applies instead of Authorization,
0,6000% 0,6000% 0,6000% 0,6000% 0,6000% 0,6000% 0,6000% 0,6000% 0,6000%
MC Global Wholesale Travel Transaction Program (GWTTP) Fee X Clearing & Settlement and Cross-Border Fees.
(0,7500%) (0,7500%) (0,7500%) (0,7500%) (0,7500%) (0,7500%) (0,7500%) (0,7500%) (0,7500%)
Rates revised as of 01/07/2025
Applies for Freight Program Trx only. This fee applies instead of volume,
MC Freight Program Acquirer Scheme Fee X 0,4500% 0,4500% 0,4500% 0,4500% 0,4500% 0,4500% 0,4500% 0,4500% 0,4500%
reported transaction, card-not-present and MOTO fees.

Applies for Freight Program Trx only. This fee applies instead of
MC Freight Program Acquirer Switch Fee X 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500% 0,0500%
Authorization, Preauthorization and Clearing & Settlement fees

Visa Acquirer Clearing & Settlement Fee X € 0,0050 € 0,0100 € 0,0650 € 0,0050 € 0,0100 € 0,0650
Visa Acquirer Authorization Fee X € 0,0032 € 0,0068 € 0,0425 € 0,0032 € 0,0068 € 0,0425
Visa Cyber Threat Protection Fee X New fee effective as of 01/04/2025 $ 0,0005 $ 0,0005 $ 0,0005 $ 0,0005 $ 0,0005 $ 0,0005
Visa Innovation and Market Development Fee (IMD) X 0,0025% 0,0025% 0,0025% 0,0025% 0,0025% 0,0025%
Non-Trx based Card Scheme Fees X 0,0036% 0,0036% 0,0036% 0,0007% 0,0007% 0,0007%
For F2F transactions only 0,0140% 0,0200% 0,0200% 0,0100% 0,0150% 0,0150%
Visa Acquirer Card Present Service Fee X
Revised rates effective 01/07/2025 (0,0290%) (0,0290%) (0,0290%) (0,0250%) (0,0250%) (0,0250%)
Visa Acquirer Card Not Present Service Fee X For CNP transactions only 0,0330% 0,0330% 0,0330% 0,0280% 0,0280% 0,0280%
Visa International Card-Not-Present Fee X CNP trx only 0,5500% 0,5500%
Visa International Acquiring (F2F & CNP) X Applies to F2F and CNP transactions. 0,4500% 0,4500%
Visa International Acquiring (UK issued - F2F & CNP) x Applies to F2F and CNP transactions with UK-issued cards. 0,1000% 0,1000%
Visa International Acquiring (UK issued - CNP only) x Applies to CNP transactions with UK-issued cards. 0,1500% 0,1500%
Applies for card-not-present transactions that are neither secure nor
0,0250% 0,0250% 0,0250% 0,0250%
Visa Secure Credential CNP Fee x tokenized
(0,0750%) (0,0750%) (0,0750%) (0,0750%)
Revised rates effective 01/10/2025
Applies for transactions settled in a currency other than the local currency of
Visa Non-Domestic Settlement Currency Volume Fee x 0,1000% 0,1000% 0,1000% 0,1000%
the merchant country
Applies to Estimated and Incremental Authorizations only, fee is applied in
Visa Estimated and Incremental Authorization Fee x 0,0200% 0,0200% 0,0200% 0,0200% 0,0200% 0,0200%
addition to Visa Acquirer Authorization Fee
Visa Non EMV Terminal Fee X $ 0,1200 $ 0,1200 $ 0,1200 $ 0,1200 $ 0,1200 $ 0,1200
Visa 3DS Acquirer Authentication Request Fee X For 3DS 1.0 and 2.0 Authentication Calls € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200 € 0,0200
Visa Address Verification Service X Applies for authorizations with AVS result $ 0,0020 $ 0,0020 $ 0,0020 $ 0,0020 $ 0,0020 $ 0,0020
Applies to each reattempt authorization after an initial decline with
Visa Reattempts Fee X indication "Do not retry", "Retry with updated card data" and after >15 $ 0,1000 $ 0,1000 $ 0,1000 $ 0,1000 $ 0,1000 $ 0,1000
reattempts in 30 days.
Applies for cleared transactions that cannot be matched to authorization $ 0,01 $ 0,01 $ 0,01 $ 0,01 $ 0,01 $ 0,01
Visa Processing Integrity Fees x
Revised rate (in brackets) delayed to 01/10/2024 ($ 0,05) ($ 0,05) ($ 0,05) ($ 0,05) ($ 0,05) ($ 0,05)

Applies to CNP transactions for merchants with MCC 5967 & 7273 and for $ 0.02 + $ 0.02 + $ 0.02 + $ 0.02 + $ 0.02 + $ 0.02 +
Visa Integrity Risk Fee x
MCC 6012 & 6051 processing crypto purchase transactions 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%

Applies for B2B Virtual transactions only. This fee applies instead of
Visa Acquirer B2B Virtual Service Fee X 0,600% 0,600% 1,000% 0,600% 0,600% 1,000%
Authorization, Clearing & Settlement and International Fees

Visa Reversal Fee X Applies for Reversal Trx processed the the Visa network only € 0,2712 € 0,2712 € 0,2712 € 0,2712 € 0,2712 € 0,2712