Visa
Find Visa’s published interchange schedules by country and transaction region. Check the relevant card product and payment category.
Visa interchange guidancePayment processing fees
Payment pricing for the UK, EU and US. Compare the different plans and understand regional differences in fees and fiscalisation.
Understanding your payment fee
Inside a blended rate
A blended rate brings the underlying costs of accepting a card payment together into a processing price. Tiquo uses Stripe to process payments. The components below explain how card processing costs arise.
01
Interchange — the card issuer’s share
For networks such as Visa and Mastercard, interchange is generally paid by the acquiring bank to the customer’s card issuer. The applicable category can depend on the card product, issuing country and transaction type.
02
Scheme fees — the card network’s charges
These cover use of the payment network and its services. They are distinct from interchange and can include transaction, authorisation, cross-border and other network assessments.
03
Acquiring and processing — handling the payment
The payment provider’s charges cover the infrastructure and services used to authorise, process and settle a payment. The published fee breakdown and applicable Tiquo terms explain how provider and platform charges are included or billed.
One rate, several underlying costs
These are components of a blended processing price, not amounts to add to the starting rate. Use the published fee schedule together with the applicable Tiquo terms to determine the charge for each payment and any separate fees.
UK & EU consumer interchange
| Network | Consumer debit | Consumer credit |
|---|---|---|
| Visa | Up to 0.2% | Up to 0.3% |
| Mastercard | Up to 0.2% | Up to 0.3% |
The general caps shown above are the same for both regions. UK rules cover eligible domestic transactions where the merchant, acquirer and issuer are in the UK. EU rules cover eligible transactions within the EU where both payment service providers are in the EU, including payments between EU countries. National rules can provide lower caps or alternative domestic debit fee structures. An EU-issued card used at a UK merchant is not an intra-EU payment. These figures are interchange caps, not commercial-card rates, Amex rates or total blended processing fees.
US domestic interchange
| Card category | Interchange fee |
|---|---|
| Regulated debit | Up to 0.05% + US$0.21An additional US$0.01 fraud-prevention adjustment applies when eligible. These fixed amounts stay in US dollars regardless of your selected display currency. |
| Exempt debit | Varies by network and programmeThe regulated debit cap does not apply. Use the applicable Visa or Mastercard schedule. |
| Consumer credit | Varies by card and transaction categoryNo single US consumer-credit interchange rate. Card product, merchant category and payment channel affect the applicable network rate. |
Regulation II covers eligible US debit transactions. Issuers with less than $10 billion in assets, including affiliates, are generally exempt from its interchange cap; certain prepaid and government-program transactions are also exempt. Credit cards are outside this debit cap. These are underlying interchange costs, not total processing fees or rates for US-issued cards used at UK or EU merchants.
Launch & Scale fee breakdown
Tiquo plan fees vary by market; underlying interchange follows the regional schedules above. Fixed amounts are shown in GBP using the fixed conversion rates noted above. Where a row shows a percentage plus a fixed amount, both apply to the relevant activity under the published pricing and applicable Tiquo terms.
Read the components alongside your blended rate
These rows are not a second total to add to the headline rate. The published fee schedule and applicable Tiquo terms identify which components are included in blended pricing, which services are optional and which are billed separately. No universal rate for a particular card is implied by adding every row.
Card acceptance and processing
| Line item | Charging basis | Launch | Scale |
|---|---|---|---|
| InterchangeSee the UK, EU and US interchange tables above. Actual interchange depends on the region, card and transaction category. | Regional network schedule · pass-through | Regional rate | Regional rate |
| Card network / scheme feePass-through costs vary. Indicative range: approximately 0.10–0.14% plus £0.03–£0.06; the figures shown are the starting components. | Transaction amount + fixed charge | 0.10% + £0.03 | 0.10% + £0.03 |
| Acquiring fee | Transaction amount + fixed charge | 0.55% + £0.16 | 0.45% + £0.12 |
| Authorisation fee | Per authorisation | £0.01 | £0.01 |
| Multi-account payment routing | Per transaction | £0.07 | £0.07 |
| Premier card handling | Per transaction | £0.02 | £0.02 |
| Wallet processing feeUnderlying card-processing charges still apply. | Per wallet transaction | £0.00 | £0.00 |
| Terminal services fee | Per card-present request | £0.02 | £0.02 |
| Tap to Pay fee | Per authorisation | £0.10 | £0.08 |
Authentication, fraud screening and card services
| Line item | Charging basis | Launch | Scale |
|---|---|---|---|
| PCI DSS service fee | Included with both plans | £0.00 | £0.00 |
| 3D Secure (3DS) fee | Per 3DS lookup | £0.03 | £0.03 |
| Radar / fraud and risk screening | Per transaction | £0.04 | £0.04 |
| Network token fee | Per tokenised transaction | £0.05 | £0.05 |
| Card fingerprint and identification | Per fingerprinted transaction | £0.02 | £0.02 |
| Account updater fee | Per updated credential | £0.05 | £0.05 |
| Authorization BoostAcceptance optimisation, dunning logic, network tokens and account updater. Where services are bundled, the published fee schedule and applicable Tiquo terms determine whether individual component fees also apply. | Transaction amount | 0.22% | 0.22% |
| Card account verification fee | Per verification | £0.01 | £0.01 |
Volume, settlement and platform services
| Line item | Charging basis | Launch | Scale |
|---|---|---|---|
| Account volume fee | Monthly payment volume | 0.10% | 0.05% |
| Instant Payout fee | Payout amount | 1.00% | 1.00% |
| Cross-border / international card feeThis component is separate from the underlying card-processing cost and any currency conversion. | Transaction amount | 1.00% | 1.00% |
| Currency conversion (FX) fee | Converted amount | 2.00% | 1.50% |
| Tiquo Platform feeOn the Starter plan, the platform fee is 0.70%. | Transaction amount | 0.50% | 0.30% |
| Automatic payout reconciliation | Transaction amount | 0.25% | 0.10% |
What affects card costs
A card logo alone does not identify the cost of a transaction. These are the details to check when reviewing a card category or your payment mix.
Consumer debit and credit
Debit and credit are different card products, with their own interchange categories. Consumer-card rules do not automatically extend to commercial cards.
Premium, business and corporate cards
Commercial products and some other card categories can carry different underlying costs. Use the network’s actual classification; “premium” is not a consistent definition across providers.
Domestic and international cards
The location of the issuer relative to the merchant and acquirer determines which regional or cross-border rules apply. Use the UK and EU or US interchange guidance above for the transaction’s market.
Online and in-person payments
Card-present and card-not-present transactions can fall into different categories. How the card is captured and authenticated can also matter.
Payment and settlement currency
Currency conversion is a separate consideration from a card’s issuing country. An international card does not, by itself, mean the payment needs to be converted.
For card-funded wallets, check the underlying card and payment channel.
Check with the card network
For a specific card product, start with the network’s official information. Visa and Mastercard publish interchange schedules; Amex provides guidance on its merchant acceptance fees.
Mastercard
Use Mastercard’s interchange hub for country schedules and cross-border categories. Consumer and commercial products can have different underlying costs.
Mastercard interchange guidanceAmerican Express
Amex has a different acceptance model. Its merchant guidance explains processing fees; Visa and Mastercard interchange tables do not describe Amex pricing.
Amex merchant fee guidanceNetwork information is only part of the picture
A published interchange table is not a total merchant processing fee. Amex’s direct merchant terms may also differ from a processor’s terms. These resources help explain underlying costs; the published Tiquo fees and applicable terms determine what you pay.
To look up a particular card
- Identify the card network, issuing country and product category, including whether it is a consumer or commercial card.
- Check the relevant network resource for the transaction’s region and payment channel. Use the current schedule and its qualification rules.
- Match that information to the published Tiquo fee breakdown and applicable terms. Ask our team to confirm any category that is unclear before calculating a fee.
In-person payments
Tiquo supports Stripe Reader S700, S710 and T600, plus Tap to Pay on iPhone. Reader prices match the Tiquo hardware page for GBP. In-person rates follow the published pricing and applicable Tiquo terms. Tap to Pay uses the plan-specific amounts below. Cellular connectivity uses Stripe’s published regional price for your selected currency. Local taxes and service availability can differ.
Hardware prices exclude applicable taxes. View hardware details and availability.
Tap to Pay on iPhone
Launch: £0.10. Scale: £0.08. Contactless acceptance on a compatible iPhone.
£0.10 / £0.08Launch / Scale · per authorisation
Cellular connectivity
On enabled readers. Apps on Device data is limited to 10 GB per reader per month.
£7.00per reader / month
Other payment methods
Explore bank payments, digital wallets and buy now, pay later. These are Stripe’s UK reference fees, displayed in GBP. Availability depends on your country and enabled payment methods. Converted amounts are not local international tariffs; the published pricing and applicable Tiquo terms determine the charges.
Bank payments
Bacs Direct Debit · UK
Minimum £0.20; maximum £4.00 per transaction.
1%per transaction
SEPA Direct Debit · Europe
Direct debit from euro bank accounts.
£0.30per successful payment
iDEAL / Wero · Netherlands
Pay through a participating bank.
£0.25per successful payment
Bancontact · Belgium
Local bank payment method.
1.4% + £0.20per successful payment
Digital wallets
PayPal
PayPal’s own fees apply in addition to this processing charge.
0.2% + £0.10plus PayPal fees
Revolut Pay
Checkout with a Revolut account or as a guest.
1.5% + £0.20per successful payment
Alipay
Digital wallet for customers using Alipay.
2.9% + £0.20per successful payment
WeChat Pay
Pay using the wallet within WeChat.
2.9% + £0.20per successful payment
Buy now, pay later
Klarna
Buy now, pay later. The applicable rate can vary.
From 4.99% + £0.35per successful transaction
Clearpay
Pay in instalments.
6% + £0.30per successful payment
Base processing fees shown. Stripe’s UK reference schedule adds 1.5% for international SEPA, iDEAL / Wero, Bancontact and Clearpay transactions, and 2% where currency conversion is required. Failed payments, disputes and other service charges may apply separately.
Additional charges
Currency conversion uses your Tiquo plan pricing. Other fees below are Stripe’s standard UK reference amounts for specific services and events; local Stripe fees can differ in the EU and US. The published fee schedule and applicable Tiquo terms explain which charges apply and whether they are included or billed separately.
Currency conversion
Tiquo plan pricing: Launch 2.00%; Scale 1.50% of the converted amount. A foreign-issued card alone does not require conversion.
2% / 1.5%Launch / Scale · converted amount
Standard payouts
Transfers on Stripe’s standard payout schedule.
Includedwith standard Stripe Payments
Instant Payouts
For eligible accounts; minimum fee of £0.40.
1%of payout amount
Card refunds
No extra refund fee on standard pricing. Original processing, Connect and conversion fees are not returned.
Original fees retainedenterprise pricing may differ
Dispute received
Charged when a dispute is received. Network fees may also apply in rare cases.
£20.00per dispute
Dispute countered manually
Additional to the received fee. This countering fee is returned if you win and retained if you lose.
£20.00per manually countered dispute
Smart Disputes
Optional automated response. No Smart Disputes fee on a loss; the dispute received fee still applies.
30%of disputed amount, if won
Optional Stripe products and dispute-prevention services
Separate Stripe services, charged only when used under their pricing terms. Using an equivalent Tiquo feature does not automatically incur these fees.
- Stripe Billing — pay as you go
- 0.7% of Billing volume
- Stripe Invoicing — Starter
- 0.4% per paid invoice
- Visa dispute resolution
- £20.00 per resolution
- Visa Compelling Evidence 3.0
- £20.00 per block
- Mastercard dispute resolution
- £40.00 per resolution
Optional products, Connect arrangements and custom pricing may add other fees. Refer to the published pricing and applicable terms for these services.
Fiscalisation by country
View document, submission, registration and archiving fees by country. Prices are shown in GBP and are the same on Launch and Scale. Only the actions used in your configured workflow apply.
Select a country to view its fees. Availability is confirmed for your setup.
Showing fiscal services for Italy
Italy · SDI
| Action | Charging basis | Launch | Scale |
|---|---|---|---|
| Generate FatturaPA | Per document / action | £0.02 | £0.02 |
| Submit an invoice to SDI | Per document / action | £0.06 | £0.06 |
| Receive an invoice from SDI | Per document / action | £0.06 | £0.06 |
| Import an SDI status | Per status event | £0.02 | £0.02 |
| Archive for legal preservation | Per document / action | £0.04 | £0.04 |
| Register a party with SDI | Per registration | ||
| Register a party for legal archiving | Per registration |
Italy · Agenzia delle Entrate receipts
| Action | Charging basis | Launch | Scale |
|---|---|---|---|
| Submit an AdE receipt | Per document / action | £0.06 | £0.06 |
| Void an AdE receipt | Per document / action | £0.06 | £0.06 |
| Register an AdE supplier | Per registration |
Shared document services
| Action | Charging basis | Launch | Scale |
|---|---|---|---|
| Sign envelope | Per document / action | Free | Free |
| Update workflow state | Per state update | Free | Free |
| PDF generation | Per document / action | £0.02 | £0.02 |
| Tax ID validation | Per document / action | £0.02 | £0.02 |
Invoice workflow examples
Example document costs, calculated from the rounded action fees in your selected currency. One-off registration and setup actions, envelope signing and workflow state updates are free. Per-document archiving and additional processing steps may be charged separately.
- Italy · SDI invoice
- £0.10 per document
- Spain · VERI*FACTU invoice
- £0.06 per document
- Spain · TicketBAI invoice
- £0.06 per document
- France · Chorus Pro invoice
- £0.08 per document
- Poland · KSeF invoice
- £0.08 per document
- Mexico · SAT invoice
- £0.12 per document
The Poland example uses the KSeF document submission workflow. The two KSeF submission options in the directory have different fees.
Fees are shown in GBP, rounded to two decimal places, and apply equally to Launch and Scale. Crossed-out amounts show the Tiquo setup price of one-off registration and setup actions included free on both plans. Actions marked Free have no charge in any currency. Only the chargeable actions used in your workflow are billed; alternative submission options are not added together. Published pricing and applicable Tiquo terms govern any separate subscription charges.
Frequently asked questions
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Reference fees and guidance reviewed 30 September 2026: Stripe UK pricing, Terminal pricing, refund fees, Visa, Mastercard, American Express, the Payment Systems Regulator, the EU Interchange Fee Regulation, the Federal Reserve, Visa US and Mastercard US. Starting blended plan rates are Tiquo pricing. Plan component amounts are Tiquo pricing. Other amounts are labelled Stripe references, regulatory caps or fiscalisation fees. Currency conversions use ECB reference rates fixed on 30 September 2026, rounded to two decimal places. Converted third-party reference prices are not local price quotes. Prices and network schedules can change. Standard pricing follows the published fees, Tiquo’s terms and conditions and applicable legal documents. Custom enterprise pricing applies only under an enterprise pricing contract. Payment-brand trademarks belong to their respective owners.