From 0.9% per card payment.
One low percentage on what you take, and nothing else to sign up for. The same prices in every eurozone country we serve, in euros.
- No fixed fee
- No monthly fee
- No set-up fee
- Free standard payouts by SEPA
An example €100.00 payment on a consumer debit card issued in the EEA: the fee is €0.90 (0.9%, with no fixed fee) and €99.10 is settled to you.
What you never pay
- €0Monthly fee
- €0Set-up fee
- €0Standard payouts
- €0Fixed fee per payment
- €0Failed and declined payments
These are the prices we will charge in the eurozone when Tuppence opens there. Until then they may change.
One low rate. Every EEA consumer card.
Visa and Mastercard, debit or credit, issued anywhere in the EEA: 0.9%, with no fixed fee on top. For businesses registered in a eurozone country we serve.
0.9%per payment · no fixed fee
Visa and Mastercard consumer debit and credit cards issued in the EEA. A card from Italy costs a business in Germany the same as a German one.
- The same price through the API, an SDK, a payment link or a subscription
- Free standard payouts by SEPA, with a €1 minimum
The card network tells us each card’s type and country of issue, so you don’t have to.
| Card type | Rate |
|---|---|
| Consumer debitVisa and Mastercard, issued in the EEA | Headline rate0.9% |
| Consumer creditVisa and Mastercard, issued in the EEA | Headline rate0.9% |
| American ExpressConsumer cards, issued in the EEA | 1.8% |
| Commercial and corporateBusiness cards, issued in the EEA | 2.4% |
| InternationalConsumer cards issued outside the EEA, the UK’s included | 2.6% |
All rates exclude VAT and apply to the gross transaction amount. Where a card falls into more than one category, only the highest amount over 0.9% applies (a commercial card issued outside the EEA is 2.6%).
What would one payment cost?
Enter an amount to see exactly what reaches your account.
€0.90
0.9% of €100.00.
Before VAT. Fees are worked out on the gross amount and rounded up to the cent.
€0.09 fee
€9.91 settled to you.
€0.90 fee
€99.10 settled to you.
€9.00 fee
€991.00 settled to you.
Examples on a consumer card issued in the EEA, before VAT.
The rest of the price list.
Refunds, disputes, local payment methods, payouts, cards, Connect and bookings.
Payments
- Monthly fee and set-up fee
- None
- Failed and declined payments
- Not charged
- Refunds
- The full amount goes back to your customer. The original processing fee is not returned.
- Disputes
- €15 per dispute, only if it’s resolved against you
Local payment methods
- iDEAL | Wero
- €0.29 a payment, for businesses in the Netherlands
- Bancontact
- 1.4% + €0.25, for businesses in Belgium
- EPS
- 1.6% + €0.25, for businesses in Austria
- MB WAY
- 1.5% + €0.25, for businesses in Portugal
- Revolut Pay
- 1.5% + €0.25
- Klarna
- 4.99% + €0.40
- Switching them on
- Off until you switch them on in your dashboard. Cards, Apple Pay and Google Pay are always on.
Tuppence Connect
- Connect itself
- No fee of its own: nothing per connected account or transfer. Each connected account pays the rates here on its payments, unless your platform pays for it. Your fee on its payments is yours.
Payouts
- Standard payouts
- Free, by SEPA to your IBAN, with a €1 minimum. Funds can be paid out seven days after a payment (T+7) while your account is new, then three working days after (T+3). New accounts start with payout limits and a rolling reserve, which ease as you build a clean trading history.
- Instant payouts
- 1.5% of the amount, taken from the payout, in the countries where Stripe offers them. Pays out your pending balance straight away. Available once your account has a trading history with us.
Tuppence cards
- Virtual cards
- Free, up to 1,000 a month
- Physical Tuppence cards
- Free to order
- Topping up the cards
- Free: a SEPA transfer to the card balance’s own IBAN
- Purchases on Tuppence cards in another currency
- The card network’s own conversion charge, passed through
Bookings and messages to your clients
- Booking page, widget and calendar
- Free: no monthly fee, no fee per booking and no commission on new clients
- Deposits, balances, tips and no-show fees
- The card rates above: a booking’s payments are ordinary card payments
- Emails
- Free
- Texts (SMS)
- €0.06 per segment (160 characters, or 70 once a message has an emoji or a curly quote)
- WhatsApp messages
- €0.03 per message
Each message’s cost is in your dashboard, and the month’s total on your statement. Texts and WhatsApp are not switched on yet, so clients hear from you by email.
All rates exclude VAT, added where applicable. We may change rates on 30 days’ notice; changes required by a card network or regulator can take effect sooner.
Pricing, answered.
Is the price the same in every eurozone country?
Yes. A business registered in any eurozone country we serve pays the same prices, in euros.
Is there really no fixed fee?
Yes. You pay a percentage of each payment and nothing per transaction on top. There’s no monthly or set-up fee.
Which cards cost more?
American Express is 1.8%, commercial and corporate cards are 2.4%, and cards issued outside the EEA, the UK’s included, are 2.6%. The card network’s data at authorisation sets a card’s type and country.
What happens to fees when I refund?
Your customer gets the full amount back. The original processing fee is not returned to you.
Is there cashback on Tuppence cards?
Not in the eurozone. Cashback on card spend is for businesses in the UK and the US.
What if my business is registered outside the eurozone?
Your rate depends on the country your business is registered in. See UK pricing or US pricing. Businesses registered elsewhere can join the waitlist.
Card payments from 0.9%, paid out by SEPA.
Tuppence is coming to the eurozone. Join the waitlist, and we’ll email you once, when it opens.