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Payment methods, providers and fees in Spain, 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
22 products from 17 providers are priced here, including SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant Credit Transfer, SEPA Request-to-Pay, Revolut Business International payment, Revolut Pay.
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
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
Digital wallet · Online · since
2.9% + €0.26
3.19% on €89.58
Real-time payment · Online · since
0.6% + €0.10
0.71% on €89.58
Crypto · Online · since
€0.04
0.04% on €89.58
Digital wallet · Online · since
2.9% + €0.26
3.19% on €89.58
Buy now, pay later · Online · since
3.29% + €0.26
3.58% 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
2.9% + €0.35
3.29% on €89.58
Cash voucher · Online · since
10%
10% on €89.58
Remittance · Payout · since
No fee
0% on €89.58
Card · In person · since
1.75%
1.75% 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 Spain is priced in it.
Of 28 fee records, 1 is published by the provider, none are reported by a scheme, a regulator or wide documentation, and 27 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.
