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What Does an Acquiring Agreement Cost?

To process payments, including credit card transactions, an acquiring agreement is required. But what does it cost? Read more below.

There are many different acquirers on the market, each with slightly varying offerings. However, they all provide access to process card payments in your webshop.

The pricing structure for acquiring agreements is fairly complex, as it is regulated by international companies such as Visa, MasterCard, etc. Therefore, it can be quite difficult to fully understand.
 
When selecting a payment solution, the acquiring fees are typically the largest cost component, and it is therefore important to focus on this aspect when making your agreement.
 
 

Clearhaus

At pensopay, we use Clearhaus as our acquiring bank, and they are generally included in our agreements. This gives us solid insight into their pricing structure. As we aim to be as transparent as possible, we have provided an overview below.


Acquiring Fees:

Domestic and EU Private Cards:
Debit Cards: 1.25%
Credit Cards: 1.25%

Private Cards Outside the EU:
2.75%


Business Cards:
Within DK and EU: 2.55%
Outside EU: 2.90%

Additional Fees:

3D Secure Fee: EUR 0.04 (DKK 0.30)

Refund Fee: EUR 0.25 (DKK 1.75)

Authorization Fee: EUR 0.03 (DKK 0.22) – applies to all transactions

Currency Conversion Fee: 0.90%

Late Capture Fee: 0.34% (applies if more than 7 days pass from authorization to capture)

Chargeback Handling: EUR 35 (DKK 240)

Please note that the prices listed above are for our primary acquiring bank and partner, Clearhaus. Alternative acquiring banks that we support can be seen here :)

If your business is categorized as high risk, please feel free to contact us for pricing :)

If you have any doubts, please feel free to contact us at support@pensopay.com