What do card payments really cost you per month?
Percentage fees, fixed fees per transaction and minimum monthly charges add up differently depending on how much you sell and how big each sale is. Enter your numbers and see each provider's real monthly cost and effective rate.
Your card sales
Monthly cost of each provider
Online (website, payment links, invoices) · €3,000 of card sales a month at €50 per transaction · 12 months.
| Provider | Published rate | Fees per month | Effective rate | Total for the period | Notes | vs now for the period |
|---|---|---|---|---|---|---|
| Stripe | 1.5% + €0.25 | €60 | 2.0% | €720 | domestic and EEA consumer cardspremium EEA cards 2.8% + fixed fee | |
| PayPal | 3.4% + €0.35 | €123 | 4.1% | €1,476 | card payments by guests without a PayPal account 1.9% + fixed feedomestic and EEA consumer cards | |
| myPOS | 1.3% + €0.20 | €51 | 1.7% | €612 | domestic and EEA consumer cardsAmerican Express 2.5% + fixed fee | |
| SumUp | No published rate for this channel. | |||||
| Viva.com | 2.19% + €0.24 | €80.10 | 2.67% | €961 | domestic and EEA consumer cards'Zero' account plan, €0/month with a €4.99 minimum | |
Where these prices come from
Rates read on the official pricing pages on 9 Nov 2026 by a visitor in Greece, for domestic and EEA consumer cards; business, Amex, UK and non-EEA cards cost more on every provider, and currency conversion adds more. Stripe shows no in-person rate on its Greek pricing page and SumUp shows no online rate on its Greek site, so those rows are marked as not available. myPOS in-person rates apply up to €10,000 of card sales a month; above that it quotes custom rates. Viva.com's account plan 'Zero' carries a minimum monthly charge of €4.99 and charges at least €0.03 per in-person transaction. Terminal hardware, payout timing, chargeback fees and VAT on fees are not included.
How it works
- Number of transactions = card sales ÷ average transaction. Fees per month = transactions × (percentage × average transaction + fixed fee), plus any monthly fee. Where a provider sets a minimum monthly charge, the difference is added and marked.
- Effective rate = fees per month ÷ card sales. Fixed fees per transaction weigh heavily on small tickets: at €10 per sale, a €0.25 fixed fee alone is 2.5%.
- Online and in-person rates are different products: compare the channel where most of your sales happen, and remember that a provider may be cheapest for one and not the other. Payouts, terminals, invoicing tools and dispute handling also differ.