When you accept a payment using Tap to Pay, a processing fee is applied to each transaction. The fee depends on the type of card your customer uses. This article covers the standard fee, the cases where a higher fee applies, and whether VAT is included.
The fee you'll pay most of the time
The vast majority of payments you receive come from regular consumer cards issued in Europe. For these, the fee is:
⚠️ Users who activated Tap to Pay before 12.08.2026: European Economic Area-issued Visa & Mastercard (consumer cards) €0.12 + 1.1% of the transaction amount (excluding VAT)
Users who activated before 12.08.2026 will automatically switch to the new pricing on 10.10.2026.
‼️ Users who activated Tap to Pay after 12.08.2026: European Economic Area-issued Visa & Mastercard (consumer cards) 1.35% of the transaction amount (excluding VAT)
These are the everyday Visa and Mastercard cards issued to individuals within the EEA, the cards your customers tap with day to day.
When does a different fee apply?
In rarer cases, a higher fee of €0.20 + 2.6% (excluding VAT) applies. This is the case for:
consumer cards issued outside the EEA
commercial cards (business credit or debit cards), whether issued inside or outside the EEA
In short: whenever the card is not a standard European consumer card, the €0.20 + 2.6% rate applies.
Do these fees include VAT?
No. All fees listed above exclude VAT.
VAT may be added where applicable according to local tax rules.
Key takeaways
For EEA-issued Visa and Mastercard consumer cards, the fee is €0.12 + 1.1% (if you activated before 12.08.2026) or 1.35% (if you activated after 12.08.2026), both excluding VAT.
Users who activated before 12.08.2026 switch automatically to the new 1.35% pricing on 10.10.2026.
Non-EEA cards and commercial cards are charged at €0.20 + 2.6% (excluding VAT).
All fees exclude VAT; VAT may be added where applicable under local tax rules.
Need help? Chat with us or email support@accountable.eu, we're happy to help.