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Payment methods, providers and fees in Germany, grouped by who provides each rail and what each product charges.
Latest fee change recorded 30 Oct 2026
Priced in this market
Operating here
Across every channel
That fees here are charged in
Bank transfer · Online · since
€0.25
0.28% on €89.58
Direct debit · Online · since
0.35% + €0.25, capped at €5.23
0.63% on €89.58
24 products from 18 providers are priced here, including SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant Credit Transfer, SEPA Request-to-Pay, Klarna Pay in 3 / Pay later, Klarna Pay Now (Sofort).
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.
On the equivalent of $100, checkout rails only
Real-time payment · Online · since
€0.20
0.22% on €89.58
Real-time payment · Online · since
€0.15
0.17% on €89.58
Buy now, pay later · Online · since
3.29% + €0.26
3.58% on €89.58
Bank transfer · Online · since
0.9% + €0.25
1.18% on €89.58
Remittance · Payout · since
0.4% + €0.30
0.73% on €89.58
Digital wallet · Online · since
1% + €0.20
1.22% on €89.58
1.5% + €0.25
1.78% on €89.58
Card · In person · since
1.4% + €0.10
1.51% on €89.58
Card · Online · since
0.5% + €0.11
0.62% on €89.58
Card · Online · since
2.5% + €0.10
2.61% on €89.58
Digital wallet · Online · since
2.9% + €0.26
3.19% on €89.58
Crypto · Online · since
€0.04
0.04% on €89.58
Crypto · Online · since
1%
1% on €89.58
Digital wallet · Online · since
2.9% + €0.26
3.19% on €89.58
Card · Online · since
Also priced for Chargeback, Currency conversion
3.4% + €0.26
3.69% on €89.58
Digital wallet · Online · since
Also priced for Chargeback, Currency conversion
2.99% + €0.39
3.43% on €89.58
Cash voucher · Online · since
10%
10% on €89.58
Remittance · Payout · since
No fee
0% on €89.58
Real-time payment · Online · since
€0.20
0.22% on €89.58
Bank transfer · Online · since
0.9% + €0.20
1.12% on €89.58
Card · Currency conversion · since
1%
1% on €89.58
Remittance · Payout · since
0.55% + €0.30
0.88% on €89.58
Of the rails a business can accept online, SEPA Request-to-Pay costs least on the equivalent of $100: €0.15. The ranking can change at other amounts.
EUR: every fee recorded for Germany is priced in it.
Of 30 fee records, 2 are published by the provider, none are reported by a scheme, a regulator or wide documentation, and 28 are estimated. Each fee shows which it is and when it took effect.
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
