Competitive, hassle-free, clear pricing

With a broad range of international banking relations, MerchantScout offers various pricing models.

1. Merchant Rate

There are two ways the merchant account can be set up:

Interchange++ Rate

markup from 0.50%
Visa Mastercard Maestro fees
Each transaction is subject to different interchange fees. Final rate for the merchant is a sum of Interchange Fee and Card Scheme Fee set by Card Schemes (Visa/MC) and involved banks. On top of that a fixed markup is added by the payment provider company (acquirer/processor). Interchange and Card Scheme Fee vary based on merchant's and cardholder’s issuing bank location, and type of card. Final rate can be as low as 0.95% for our EEA merchants. Interchange Rates Explained
More info

Fixed Rate

from 0.95%
Visa Mastercard Maestro fees
A more traditional method of applying a merchant discount rate. Merchant may opt for this pricing model if they desire to keep things more simple. Every sale is charged with the fixed percentage fee which is set in the agreement. Final rate is determined by the payment provider during initial assessment based on risk category, sales volume and geographical distribution; it can be anywhere between 0.95% and up to 5.50%. We use this model mostly for high risk non-EEA merchants.
More info

2. Processing Fees & Terms

In addition to above rate, below fees apply for most setups within EEA:
Gateway transaction fee
€0.10 - €0.25
Fixed fee charged by gateway provider for every e-commerce or POS transaction.
Transaction limitations
Based on risk profile there may be a monthly volume cap at the beginning. Normally this can be raised after few months of steady processing.
Monthly maintenance fee
€0 - €20
Fixed monthly fee charged by the gateway provider for payment services.
MID setup fee
€0 - €100
One-time fee, deducted from first settlement. Charged by gateway provider or acquiring bank.
Bank annual registration
Some banks add their own additional MID opening fee. High-risk merchants such as Gambling need registration with Card Schemes which costs €500-1000 per MID.
POS terminal lease
€18 - €35
Monthly fee for leasing a POS terminal, available to EEA merchants.
PCI compliance scan service
With merchants who are integrating via Direct API, a PCI compliance is required, which includes a quarterly PCI Scan report performed by Qualified Security Assessor (QSA). With some of our banking partners the services comes included, otherwise the standard PCI scanning service costs €200-400 per year.
Refund fee
Fixed fee charged for every issued refund; a transaction where money is returned back to the card from which a sale was made, either in full amount or partially.
Chargeback fee
€15 - €24
Fixed fee charged for an incoming chargeback (dispute) request from cardholder, despite of the dispute final result.
Virtual Terminal
Fee for MOTO merchants who require access to a Virtual Terminal.
Payout delay
1 - 7 days
Number of days from when the batch of transactions is cleared to the day when a settlement is sent to the merchant's business bank account. For example, daily payouts with a 3 day delay means the net sale amount the merchant has processed on Monday is paid out on Thursday.
Funds Remittance
Daily - Weekly
Frequency of settlements of net sales volume to merchant's bank account.
Rolling Reserve
0% - 10% (90-180 days)
Standard security measure imposed by acquirers and payment providers. Percentage taken from every settlement and released after 90-180 days.

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