See exactly where a Danish card fee goes: regulated interchange, the scheme fee and your acquirer’s margin. Only numbers you can look up. Nothing invented.
Rates current as of 2026 · every figure is sourced below
An example. Adjust to your business.
Two of the three are fixed for everyone. The margin is the only part you compare.
| Card type | Interchange | Status |
|---|---|---|
| Dankort (in-store) | ≈ 0.17–0.50 % | Danish scheme · acquired by Nets · KFST-regulated |
| Visa/MC consumer debit (EEA) | 0.20 % | EU cap: Reg. 2015/751 |
| Visa/MC consumer credit (EEA) | 0.30 % | EU cap: Reg. 2015/751 |
| Non-EEA consumer, in-store | 0.20 % / 0.30 % | Visa/MC commitments, to 2029 |
| Non-EEA consumer, online | 1.15 % / 1.50 % | Visa/MC commitments, to 2029 |
| Commercial / business cards | uncapped | Exempt from the caps, varies |
| Scheme fee | Visa/MC · small · not publicly fixed | |
| Acquirer margin | Set by each provider |
Interchange (to the cardholder’s bank), the scheme fee (to Visa/Mastercard) and the acquirer’s margin. The first two are pass-through. That’s “Interchange++”.
Interchange is regulated and the scheme fee is set by Visa/Mastercard. No acquirer can change them. So two providers differ only on the margin.
Dankort is acquired by Nets, on a volume-tiered fee capped by the Danish competition authority, not by Visa/Mastercard acquirers like SEJR.
Only the margin. Ask to see interchange and scheme as pass-through, and the margin on its own line.
The part of the fee that goes to the bank that issued the customer’s card. For EEA consumer cards it’s capped by EU regulation at 0.20 % (debit) and 0.30 % (credit). Your acquirer collects it and passes it to the issuing bank. No acquirer keeps it.
Because Dankort isn’t a Visa/Mastercard card: it’s Denmark’s domestic scheme, acquired by Nets, and priced under a separate Danish regime (a volume-tiered fee of roughly 0.17–0.50 %, capped by Konkurrence- og Forbrugerstyrelsen). The EU interchange caps don’t apply to it.
A fee Visa and Mastercard charge for running the network, on top of interchange. It’s small and, unlike interchange, it isn’t a single public number. It varies by transaction type. Like interchange, a fair acquirer passes it through rather than marking it up.
Only the margin. Interchange and scheme fees are the same for every acquirer. If a provider won’t split them out, ask them to. The margin is the number that decides who’s cheaper.
For in-store payments, yes: Visa and Mastercard capped non-EEA card-present interchange at the same 0.20 % / 0.30 % (committed to the EU through 2029). Online is different: non-EEA cards run 1.15 % (debit) / 1.50 % (credit).
MobilePay isn’t a card, so it’s outside this calculator. It has its own per-transaction pricing. This tool covers card fees (Dankort and the international schemes).
Every rate above is a regulated or publicly-committed figure. It can change. Always check your own statement and the current price lists.
This tool is for understanding where a card fee goes. It is not a quote and not advice. Your actual fee depends on your exact card mix, your agreement and current rates.
SEJR runs on Interchange++ for the international schemes: interchange and scheme fees passed straight through, the margin on its own line. Send your current statement and we’ll show you where every krone goes.
See SEJR Pay