Can a shop charge a fee for paying by card?

A trader may not charge consumers fees for using a means of payment that exceed the cost the trader itself bears for that means of payment.

Under the payment services rules, surcharges for most consumer cards and SEPA transfers and direct debits in euro are banned altogether.

Directive 2011/83/EU (Consumer Rights Directive), Article 19 · European Commission and the national consumer authorities

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Machine-readable summaries for AI agents: /llms.txt and /llms-full.txt.