30.04.

2021

Indicative Card Scheme Fee Rates

Romania

Definitions:
Domestic transaction: A domestic payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located in the same country as the that of the point of sale.

Intra EEA transaction: An Intra EEA payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located in a different EEA member state than that of the point of sale.

Intra non-EEA transaction: An Intra non-EEA payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located outside the EEA but still in the Europe region and the point of sale is within the EEA and vice versa.

Interregional transaction: An Interregional payment transaction means a card-based payment transaction where the card-based payment instrument is issued by an issuing payment service provider located outside of the Europe Region and the point of sale lies within the Europe Region and vice versa.

Depending on Trx /
Terminal Criterias
Trx (with regional
Applies to every

(see remarks)
Mastercard Visa Maestro Debit Mastercard V PAY / Visa Debit Diners

differences)
Brand UnionPay JCB Bancontact

Fee Type Remarks

Domestic/
Region Domestic Intra Inter Domestic Intra Inter Domestic Intra Inter Domestic Intra Inter Domestic Intra Inter Inter Inter All regions All regions
Intra
Amount Limit
Micro <€5 € 0.00050 € 0.00050 € 0.00050 € 0.00050 € 0.00050 € 0.00050
Mid € 5 - € 25 € 0.00225 € 0.00225 € 0.00225 € 0.00225 € 0.00225 € 0.00225
Clearing Mastercard/ Maestro Acquirer POS X € 0.0050 € 0.0050 € 0.0050
Macro > € 25 - € 100 € 0.00800 € 0.00800 € 0.00800 € 0.00800 € 0.00800 € 0.00800
Max > € 100 € 0.04250 € 0.04250 € 0.04250 € 0.04250 € 0.04250 € 0.04250
Mastercard/ Maestro Acquirer purchase Volume Fee X 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500%
Mastercard/ Maestro Acquiring Reported Transaction Fee X € 0.00378 € 0.00378 € 0.20000 € 0.00378 € 0.00378 € 0.20000 € 0.00378 € 0.00378 € 0.20000
Mastercard/ Maestro Innovation Fund X 0.0050% 0.1000% 0.1000% 0.0050% 0.1000% 0.1000% 0.0050% 0.1000% 0.1000%
Mastercard/ Maestro Market Development Fund X 0.0700% 0.0700% 0.0700% 0.0700% 0.0700% 0.0700% 0.0700% 0.0700% 0.0700%
Mastercard/ Maestro Acquirer Authorisation Fee X 0.0090% 0.0090% 0.0090% 0.0090% 0.0090% 0.0090% 0.0090% 0.0090% 0.0090%
Non-Trx based Card Scheme Fees X 0.0086% 0.0086% 0.0086% 0.0074% 0.0074% 0.0074% 0.0074% 0.0074% 0.0074%
Intra EEA trx with currency ≠ EUR;
Mastercard/ Maestro Acquirer Cross-border Fee (does not apply for intra EEA EUR trx) X all Intra Non-EEA trx with any currency; 0.1000% 0.5000% 0.1000% 0.5000% 0.1000% 0.5000%
all Inter-Trx with any currency
Intra EEA CNP trx with currency ≠ EUR;
Mastercard/Maestro Acquirer Card Not Present (CNP) Fee (does not apply for intra
X all Intra Non-EEA CNP trx with any currency; 0.0250% 0.0500% 0.0250% 0.0500% 0.0250% 0.0500%
EEA EUR trx)
all Inter-Trx CNP with any currency
Mastercard/Maestro Acquirer Mail Order / Telephone Order (MOTO) Fee X Applies to all Card not Present MOTO trx 0.0250% 0.0250% 0.0500% 0.0250% 0.0250% 0.0500% 0.0250% 0.0250% 0.0500%
Mastercard/ Maestro Non-EMV / non-Contactless Acquirer Fee X Non-EMV / Non-Contactless terminal only 0.0260% 0.0260% 0.0260% 0.0260% 0.0260% 0.0260% 0.0260% 0.0260% 0.0260%
Mastercard/ Maestro SecureCode Authentication Transaction Fee X In case of a SecureCode authenticated (3DS1) Trx only € 0.0440 € 0.0440 € 0.0440 € 0.0440 € 0.0440 € 0.0440 € 0.0440 € 0.0440 € 0.0440

Mastercard/ Maestro Identity Check Transaction Fee X In case of an Identity Check (3DS2) authenticated Trx only € 0.0220 € 0.0220 € 0.0220 € 0.0220 € 0.0220 € 0.0220 € 0.0220 € 0.0220 € 0.0220

eCom MCC Airport, Education, Insurance: 0.15%

Mastercard/ Maestro E-commerce Development Fee (non-secure trx only) X Non-Secure CNP trx only 0.0500% 0.1000% 0.1000% 0.0500% 0.1000% 0.1000% 0.0500% 0.1000% 0.1000%
Mastercard/ Maestro Authorisation Integrity Fee (only applies for incompliant final
X Incompliant Final Authorisations only 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500% 0.2500%
authorizations)

eCom Standard: 0.20%

Mastercard/ Maestro PreAuthorisation Fee X PreAuthorisations only 0.0800% 0.0800% 0.0800% 0.0800% 0.0800% 0.0800% 0.0800% 0.0800% 0.0800%

Brand not available

New as of 01.12.2021 (€ 0.10), increases per 01.01.2022
€ 0.1000 € 0.1000 € 0.1000 € 0.1000 € 0.1000 € 0.1000

F2F: 0.10%
PSD2 - Key Entered Transaction Fee X (€ 0.20), Domestic & Intra EEA key entered trx at POS
(€ 0.2000) (€ 0.2000) (€ 0.2000) (€ 0.2000) (€ 0.2000) (€ 0.2000) 0.1200% 0.4500% 0.0500%
only
New as of 01.12.2021 (€ 0.15), increases per 01.01.2022
€ 0.1500 € 0.1500 € 0.1500 € 0.1500 € 0.1500 € 0.1500
PSD2 - Chip transactions without CVM Fee X (€ 0.30)
(€ 0.3000) (€ 0.3000) (€ 0.3000) (€ 0.3000) (€ 0.3000) (€ 0.3000)
Domestic & Intra EEA trx at POS with chip but no CVM
Global Wholesale Travel Transaction Program Fee (no Authoris, Clearing&Settlement
X GWTTP Trx only 0.6000% 0.6000% 0.6000% 0.6000% 0.6000% 0.6000% 0.6000% 0.6000% 0.6000%
and Cross-border Fees for GWTTP Trx)
Mastercard Freight Program - Acquirer Scheme Fee (no Volume- / Reported Trx- / CNP-
X Freight Program Trx only 0.4500% 0.4500% 0.4500% 0.4500% 0.4500% 0.4500% 0.4500% 0.4500% 0.4500%
/ MOTO Fees)
Mastercard Freight Program - Acquirer Switch Fee (no Authoris- / PreAuth Fees, no
X Freight Program Trx only 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500%
Clearing & Settlement Fees)
Visa Acquirer Clearing & Settlement Fee (applies to F2F and CNP transactions) X € 0.005 € 0.010 € 0.065 € 0.005 € 0.010 € 0.065
Visa Acquirer Authorization Fee X € 0.0032 € 0.0068 € 0.0425 € 0.0032 € 0.0068 € 0.0425
Visa Innovation & Market Development (IMD) Fee X 0.0500% 0.0500% 0.0500% 0.0500% 0.0500% 0.0500%
Non-Trx based Card Scheme Fees X 0.0051% 0.0051% 0.0051% 0.0006% 0.0006% 0.0006%
Visa Acquirer Card Present Service Fee X For F2F transactions only 0.0250% 0.0250% 0.0250% 0.0200% 0.0200% 0.0200%
Visa Acquirer Card Not Present Service Fee (new as of 25.01.2020; replaced Visa eCom
X For CNP transactions only 0.0330% 0.0330% 0.0330% 0.0280% 0.0280% 0.0280%
Development & Mail Order Phone Order (MOTO) Fee)
Visa International Acquiring (F2F & CNP) X Applies to F2F and CNP transactions 0.4500% 0.4500%
Visa International Acquiring CNP Fee X 0.5500% 0.5500%
Visa Non EMV Terminal Fee X $ 0.12 $ 0.12 $ 0.12 $ 0.12 $ 0.12 $ 0.12
Visa PAN Key entered Card Present Transaction at POS X $ 0.12 $ 0.12 $ 0.12 $ 0.12 $ 0.12 $ 0.12
Issuer does not approve Fee (VISA high risk trx criteria) X New as of 01.10.2021 $ 0.10 $ 0.10 $ 0.15 $ 0.10 $ 0.10 $ 0.15
VISA Acquirer Data Consistency Fee X New as of 01.10.2021 $ 0.10 $ 0.10 $ 0.15 $ 0.10 $ 0.10 $ 0.15
Visa 3DS Acquirer Authentication Request Fee X For 3DS 1.0 and 2.0 Authentication Calls € 0.020 € 0.020 € 0.020 € 0.020 € 0.020 € 0.020
Acquirer B2B Virtual Service Fee (no Authorization, Clearing & Settlement &
X 0.600% 0.600% 1.000% 0.600% 0.600% 1.000%
International Fees apply)
Reversal Fee (applies only for reversals that were processed via the Visa network) X Reversal Trx only € 0.27115 € 0.27115 € 0.27115 € 0.27115 € 0.27115 € 0.27115