Whether a Danish shop or webshop may add a fee when a customer pays by card, in plain words and with the sources.
No, not on ordinary consumer cards. Yes in some cases, for example business cards, but never more than your actual cost.
Since 1 January 2018, neither shops nor webshops may add a fee when a private person pays with a common EU-issued card: Dankort, Visa, Visa Debit, Mastercard and Mastercard Debit. The rule comes from the Danish Payments Act and the EU payment directive (PSD2), and it applies wherever in the EU the card was issued.
You may add a fee when the customer pays with a business card, a card issued outside the EU, or a three-party scheme such as American Express or Diners. But the fee may not exceed your actual cost per transaction. You cannot make money on it.
When a fee is allowed, it follows the goods: if what you sell carries VAT, the fee is charged including VAT. You may also add a general handling fee, but only if it is the same for every payment method, card and cash alike.
Whatever the rules, you still pay a fee to accept cards. See where that fee goes, and understand your own statement, with the two tools below.
No, not on consumer cards. The ban has applied online exactly as in physical shops since 2018. A webshop may only add a fee for business cards, non-EU cards or three-party schemes, capped at actual cost.
It depends on how the payment is funded. If it draws on a payment card, the card ban applies and you cannot surcharge. If it is a pure account-to-account transfer, a fee may be allowed. In a shop, MobilePay is usually card-based.
Cards issued outside the EU are not covered by the ban, so a fee may be allowed, but again only up to your actual cost of accepting that card.
Yes, if it is the same for every payment method and not tied specifically to cards. A fee that only applies to card payments on consumer cards is not allowed.
The Danish Competition and Consumer Authority (Konkurrence- og Forbrugerstyrelsen). They have published a guide on when a merchant may charge a fee.
This is a short explanation, not legal advice. For your specific situation, check the authority guidance or ask an adviser.
SEJR Pay: take card, MobilePay, Apple Pay and Google Pay, with the money in your account the next banking day and a Danish advisor when you need one.
See SEJR Pay