Free tool

Card fee calculator

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.

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Every figure sourced

Your card turnover per month

Card mix

An example. Adjust to your business. The mix is normalised to 100 %.

Dankort acquired by Nets 0.17–0.50 %

35 %

Visa / Mastercard debit consumer 0.20 %

40 %

Visa / Mastercard credit consumer 0.30 %

15 %

Commercial & non-EEA cards not fully regulated uncapped

10 %

How we calculate. Turnover × share × rate, per card type. The scheme fee, the acquirer margin and commercial & non-EEA cards are left out, because there is no single public figure for them.

Where the fee goes

on DKK 200,000/mo

Interchange, Visa/MC consumer cards DKK 250/mo Exact · same at every acquirer DKK 3,000 a year

Dankort fee DKK 119–350/mo A range · acquired by Nets DKK 1,428–4,200 a year

Where the fee goes
Card type	Share	Rate	Per month
DankortNets	35 %	0.17–0.50 %	DKK 119–350
Visa/MC debit	40 %	0.20 %	DKK 160
Visa/MC credit	15 %	0.30 %	DKK 90
Commercial & non-EEA	10 %	uncapped	varies

On the international cards, on top:

+ Scheme fee to Visa / Mastercard: small · not publicly fixed
+ Acquirer margin to your acquirer: varies · what you compare

Two of the three are fixed for everyone. The margin is the only part you compare.

Rates current as of 2026. See the sources

Rates

The exact rates, per card type

The caps and commitments behind the figures in the calculator.

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

Explained

How to read your statement

Three parts, and only one of them is up for negotiation.

Always three parts

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++”.

Two of three are fixed for all

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 its own world

Dankort is acquired by Nets, on a volume-tiered fee capped by the Danish competition authority, not by Visa/Mastercard acquirers like SEJR.

What you can compare

Only the margin. Ask to see interchange and scheme as pass-through, and the margin on its own line.

Questions

Questions about card fees

What is interchange?

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.

Why isn’t Dankort just 0.20 %?

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.

What is a scheme fee?

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.

So what can I actually negotiate?

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.

Do the 0.20 % / 0.30 % caps apply to foreign cards too?

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).

What about MobilePay?

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).

Sources

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.

Live today

Want your own statement split apart?

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