Free tool

Statement decoder

Pick the model your statement looks like and see what each line means, line by line. Which fees are passed straight through, which is the provider’s own margin, and which you can question.

Your pricing model

Most Danish card statements are one of three models. Pick the one yours looks like, no provider names needed.

What this model looks like

Blended rate One rate

One flat rate per payment. Interchange, scheme and margin are added into a single percentage. Simple, but you cannot see what is the provider’s own margin.

Transaction fee Blended rate

interchange + scheme + margin, bundled into one rate

One flat rate per payment. Everything is bundled together.

The margin is hidden inside one bundled rate. You cannot see what the provider keeps.

A typical statement for this model. Line names and structure, not your exact prices.

Every fee line, in plain words

Passed throughProvider marginFixed feeSituational

Transaction fee / handling fee

Blended rate

Your price per payment. For some it is one blended rate; for others it is split into interchange, scheme and margin.

Interchange

Passed through

Passed to the cardholder’s bank. Regulated: 0.20 % debit, 0.30 % credit on EEA consumer cards. Identical at every acquirer.

Scheme fee

Passed through

Passed to Visa or Mastercard. Small, and the same for everyone.

Margin / markup

Provider margin

The provider’s own share. The only part you can really negotiate and compare.

Subscription / terminal rental

Fixed fee

A fixed amount per month, no matter your turnover.

Minimum fee

Fixed fee

Charged if your turnover falls below an agreed minimum.

PCI fee

Fixed fee

For PCI security compliance. Some providers charge it, others include it.

Setup fee

Fixed fee

A one-off amount when you start.

Chargeback fee

Situational

Per dispute raised by a customer.

Currency fee / DCC

Situational

For foreign cards or currency conversion.

Payout fee

Fixed fee

Per payout to your account.

Dankort fee

Situational

Dankort is the Danish domestic card scheme and is usually billed separately, quarterly by transaction count. It sits outside the international card fees.

Sources

Fee names and structures vary by provider and by your specific agreement. Always check your own statement and contract.

This tool explains what statement lines generally mean and describes common pricing models. It is not a quote, not advice, and not your exact prices.

Questions about your statement

Why can’t I see the margin on a blended rate?

A blended rate is one percentage covering interchange, scheme fee and the provider’s margin at once. It is simple, but because the three are added together you cannot tell how much is the provider’s own cut. An Interchange++ statement lists them separately.

Is Dankort the same as my card fee?

No. Dankort is the Danish domestic card scheme and is usually billed separately, quarterly by transaction count. It sits outside the international card fees, on its own line.

Which lines can I actually question?

The margin, and fixed fees like monthly charges, minimum fees, PCI fees and payout fees. Interchange and scheme fees are set by regulation and the card networks, so no provider can change those.

What is a "handling fee" or "service fee"?

Those names are not standardised. They usually cover the provider’s margin, sometimes with scheme fees rolled in. Ask your provider exactly what the line pays for and whether it is passed through or their own.

Live today

Send us your statement. We’ll read it with you.

SEJR runs on Interchange++: interchange and scheme fees passed straight through, the margin on its own line. Send your current statement and we’ll show you, line by line, where every krone goes.

See SEJR Pay