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.
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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 rateOne 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
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
Search for the name on your statement, or filter by where the money goes.
12 fee lines
- Blended rate
Transaction fee / handling fee
Your price per payment. For some it is one blended rate; for others it is split into interchange, scheme and margin.
- Passed through
Interchange
Passed to the cardholder’s bank. Regulated: 0.20 % debit, 0.30 % credit on EEA consumer cards. Identical at every acquirer.
- Passed through
Scheme fee
Passed to Visa or Mastercard. Small, and the same for everyone.
- Provider margin
Margin / markup
The provider’s own share. The only part you can really negotiate and compare.
- Fixed fee
Subscription / terminal rental
A fixed amount per month, no matter your turnover.
- Fixed fee
Minimum fee
Charged if your turnover falls below an agreed minimum.
- Fixed fee
PCI fee
For PCI security compliance. Some providers charge it, others include it.
- Fixed fee
Setup fee
A one-off amount when you start.
- Situational
Chargeback fee
Per dispute raised by a customer.
- Situational
Currency fee / DCC
For foreign cards or currency conversion.
- Fixed fee
Payout fee
Per payout to your account.
- Situational
Dankort fee
Dankort is the Danish domestic card scheme and is usually billed separately, quarterly by transaction count. It sits outside the international card fees.
The three pricing models, side by side
Same payment, three ways to show it on a statement. The difference is whether you can see the provider’s margin.
One rate
Blended 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.
The margin is hidden inside one bundled rate. You cannot see what the provider keeps.
Show the example↑Several lines
Itemised statement
A transaction fee plus separate fixed lines: a subscription, a setup fee, sometimes PCI, and a separate Dankort fee. You see the fixed costs, but the margin is still bundled inside the transaction fee.
You can see the fixed fees, but the margin is still hidden inside the transaction fee.
Show the example↑Transparent
Interchange++
Interchange, scheme fee and margin each sit on their own line. Interchange and scheme are passed straight through, and the margin is visible. This is how you can actually compare providers.
The margin sits on its own line. This is what a transparent statement looks like.
Show the example↑
Sources
Fee names and structures vary by provider and by your specific agreement. Always check your own statement and contract.
- Konkurrence- og Forbrugerstyrelsen: regler for gebyrer på betalingskort
- EU Regulation 2015/751 (interchange fee caps)
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.
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.