Payment fees in Germany

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FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.

Market

🇩🇪 Payment fees in Germany

Every rail priced for this market, grouped by who provides it and by what each product charges for. One provider often runs several products at different prices, so a single "provider fee" would be a blend of things you would never buy together.

Providers: 17
Products priced: 23
Fee records: 29
Market currency: EUR

Compare these as a flat listPrice a payment in GermanyEverything priced in EUR

European Payments Council

4 products priced in Germany

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SEPA Credit TransferEstimate
Bank transfer · Online · since 26 Nov 2023
€0.25
0.28% on €87.73
SEPA Direct DebitEstimate
Direct debit · Online · since 4 Apr 2023
0.35% + €0.25, capped at €5.23
0.63% on €87.73

Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.

SEPA Instant Credit TransferEstimate

Real-time payment · Online · since 24 Jan 2025

€0.20

0.23% on €87.73

SEPA Request-to-PayEstimate

Real-time payment · Online · since 20 Dec 2022

€0.15

0.17% on €87.73

Klarna

2 products priced in Germany

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Klarna Pay in 3 / Pay laterEstimate
Buy now, pay later · Online · since 6 Mar 2025
3.29% + €0.26
3.59% on €87.73
Klarna Pay Now (Sofort)Estimate
Bank transfer · Online · since 11 Jun 2024
0.9% + €0.25
1.18% on €87.73

Revolut

2 products priced in Germany

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Revolut Business International paymentEstimate
Remittance · Payout · since 29 Sept 2022
0.4% + €0.30
0.74% on €87.73
Revolut PayEstimate
Digital wallet · Online · since 13 Mar 2025
1% + €0.20
1.23% on €87.73

Stripe

2 products priced in Germany

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Stripe Card (online)Estimate
Card · Online · since 10 Jul 2025
Also priced for Chargeback, Currency conversion
1.5% + €0.25
1.78% on €87.73
Stripe Terminal (card present)Estimate
Card · In person · since 20 Jul 2025
1.4% + €0.10
1.51% on €87.73

Adyen

1 product priced in Germany

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Adyen Interchange++Estimate
Card · Online · since 26 Mar 2018
0.5% + €0.11
0.63% on €87.73

American Express

1 product priced in Germany

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American Express Merchant acceptanceEstimate
Card · Online · since 23 Dec 2022
2.5% + €0.10
2.61% on €87.73

Apple

1 product priced in Germany

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Apple PayEstimate
Digital wallet · Online · since 25 Nov 2024
2.9% + €0.26
3.20% on €87.73

Circle

1 product priced in Germany

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Stablecoin settlement (USDC / USDT)Estimate
Crypto · Online · since 1 Jan 2019
€0.04
0.05% on €87.73

Coinbase

1 product priced in Germany

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Coinbase CommerceEstimate
Crypto · Online · since 26 Jun 2024
1%
1% on €87.73

Google

1 product priced in Germany

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Google PayEstimate
Digital wallet · Online · since 24 Dec 2024
2.9% + €0.26
3.20% on €87.73

Mastercard

1 product priced in Germany

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Visa / Mastercard International acceptanceEstimate
Card · Online · since 26 May 2024
Also priced for Chargeback, Currency conversion
3.4% + €0.26
3.70% on €87.73

PayPal

1 product priced in Germany

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PayPal Commercial transactionsEstimate
Digital wallet · Online · since 24 Aug 2025
Also priced for Chargeback, Currency conversion
2.99% + €0.39
3.43% on €87.73