How the merchant service charge is formed?
Merchant service charge is composed of interchange fee and schema fee, which includes International card organisation
license and transaction processing fees (see indicating price component table below), as well as bank’s margin which includes
bank’s profit, agreement maintenance and transaction processing costs.
Interchange and schema indicative price table for merchants who is processing transactions via Swedbank card transaction
centre.
Card Groups
Interchange fees
Scheme fees
Consumer Debit and Prepaid Cards issued by the Bank
0.20%
€ 0.002 per transaction
Consumer Credit and Charge Cards issued by the Bank
0.30%
€ 0.002 per transaction
Commercial Cards issued by the Bank
0.30 %
€ 0.002 per transaction
Estonian/Latvian/Lithuanian VISA Consumer Debit Cards
0.20%
€ 0.002 + 0.035485%
Estonian/Latvian/Lithuanian VISA Consumer Prepaid Cards
0.20%
€ 0.002 + 0.035485%
Estonian/Latvian/Lithuanian VISA Consumer Credit and Charge Cards
0.30%
€ 0.002 + 0.035485%
Estonian/Latvian/Lithuanian VISA Commercial Cards
0.50%–0.80%
€ 0.002 + 0.035485%
Estonian/Latvian/Lithuanian MasterCard Consumer Debit Cards
0.20%
€ 0.002 + 0.023066%
Estonian/Latvian/Lithuanian MasterCard Consumer Prepaid Cards
0.20%
€ 0.002 + 0.023066%
Estonian/Latvian/Lithuanian MasterCard Consumer Credit and Charge Cards
0.30%
€ 0.002 + 0.023066%
Estonian/Latvian/Lithuanian MasterCard Commercial Cards
0.50%–0.80%
€ 0.002 + 0.023066%
EU VISA Consumer Debit Cards
0.20%
€ 0.002 + 0.035485%
EU VISA Consumer Prepaid Cards
0.20%
€ 0.002 + 0.035485%
EU VISA Consumer Credit and Charge Cards
0.30%
€ 0.002 + 0.035485%
EU VISA Commercial Cards
1.25%–2.00%
€ 0.002 + 0.035485%
EU MasterCard Consumer Debet Cards
0.20%
€ 0.002 + 0.023066%
EU MasterCard Consumer Prepaid Cards
0.20%
€ 0.002 + 0.023066%
EU MasterCard Consumer Credit and Charge Cards
0.30%
€ 0.002 + 0.023066%
EU MasterCard Commercial Cards
1.25%–2.00%
€ 0.002 + 0.023066%
non-EU VISA Consumer Debit and Prepaid Cards
Confidential
Confidential
non-EU VISA Consumer Credit and Charge Cards
Confidential
Confidential
non-EU VISA Commercial Cards
Confidential
Confidential
non-EU MasterCard Consumer Debit and Prepaid Cards
Confidential
Confidential
non-EU MasterCard Consumer Credit and Charge Cards
Confidential
Confidential
non EU MasterCard Commercial Cards
Confidential
Confidential
Interchange and schema indicative price components table for merchants who is processing transactions via First data
Latvia SIA card transaction centre.
Card Groups
Interchange fees
Scheme fees
Consumer Debit and Prepaid Cards issued by the Bank
0.20%
€ 0.01 per transaction
Consumer Credit and Charge Cards issued by the Bank
0.30%
€ 0.01 per transaction
Commercial Cards issued by the Bank
0.30%
€ 0.01 per transaction
Estonian/Latvian/Lithuanian VISA Consumer Debit Cards
0.20%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian VISA Consumer Prepaid Cards
0.20%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian VISA Consumer Credit and Charge Cards
0.30%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian VISA Commercial Cards
0.67%–1.95%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian MasterCard Consumer Debit Cards
0.20%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian MasterCard Consumer Prepaid Cards
0.20%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian MasterCard Consumer Credit and Charge Cards
0.30%
€ 0.02 per transaction
Estonian/Latvian/Lithuanian MasterCard Commercial Cards
0.67%–1.95%
€ 0.02 per transaction
EU VISA Consumer Debit Cards
0.20%
€ 0.02 per transaction
EU VISA Consumer Prepaid Cards
0.20%
€ 0.02 per transaction
EU VISA Consumer Credit and Charge Cards
0.30%
€ 0.02 per transaction
EU VISA Commercial Cards
1.35%–1.95%
€ 0.02 per transaction
EU MasterCard Consumer Debet Cards
0.20%
€ 0.02 per transaction
EU MasterCard Consumer Prepaid Cards
0.20%
€ 0.02 per transaction
EU MasterCard Consumer Credit and Charge Cards
0.30%
€ 0.02 per transaction
EU MasterCard Commercial Cards
1.35%–1.95%
€ 0.02 per transaction
non-EU VISA Consumer Debit and Prepaid Cards
Confidential
€ 0.02 per transaction
non-EU VISA Consumer Credit and Charge Cards
Confidential
€ 0.02 per transaction
non-EU VISA Commercial Cards
Confidential
€ 0.02 per transaction
non-EU MasterCard Consumer Debit and Prepaid Cards
Confidential
€ 0.02 per transaction
non-EU MasterCard Consumer Credit and Charge Cards
Confidential
€ 0.02 per transaction
non EU MasterCard Commercial Cards
Confidential
€ 0.02 per transaction