{"type":"document","data":{"id":"a372b34a-ba9f-4dcf-8bbf-0ae43ad75551","localeString":"en-GB","publishDate":"2026-04-10T15:39:08.424+02:00","contentType":"onecms:productPage","hasMacro":true,"macros":["prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.retourpinnen.eur"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Check all transaction costs at a glance. And the additional costs you need to consider as an entrepreneur."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","microCopy":"How to choose the best","textLink":{"url":"/en/business/accepting-payments/payment-terminals","text":"Tips payment terminal"}},"coreHeader":{"body":"Do you run a shop, hospitality business or any company where customers pay on-site? Then a payment terminal is almost essential. But what about the costs for card transactions? We’ll explain.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3c9c84fb-96e7-45dd-9855-ace484c54760/Customer-transaction-with-POS-device-and-ING-bank-card","type":"image","width":5616,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/43139197ce16a4a7/original/Customer-transaction-with-POS-device-and-ING-bank-card.jpg","extension":"jpg"},"title":"What does a card transaction cost?","subtitle":"Everything in 1 overview"},"backLink":{"textLink":{"url":"/en/business/accepting-payments/payment-terminals","text":"Payment terminals: buy and link"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Where do card payment costs come from?"},{"componentType":"paragraph","richBody":{"value":"<p>If you have a payment contract with us, <strong>transaction costs </strong>consist of:</p><ul><li>Fixed costs for the payment contract (service costs): %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur}% per month per terminal for fast transaction processing</li><li>Low costs per card transaction:<br />%{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 or %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur}% depending on the number of transactions per month</li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"More information about costs card transactions","richBody":{"value":"<p>Your customers can pay in various ways via your terminal(s) or even receive refunds. With an ING payment contract, keep in mind:</p><ul><li>Costs debit card payments: %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur}% or 0–5.000 transactions per month and %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 for more than 5.000 transactions per month</li><li>Costs credit card payments 1,70% of the transaction amount, depending on the card type</li><li>Refunds (Retourpinnen): %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.retourpinnen.eur}%</li></ul><p>Good to know:</p><ul><li>With an ING payment contract, you have access to the ING Transactions Online portal for full insight into your transactions</li><li>No credit card payments? Then no extra costs</li><li>Refunds via Retourpinnen are processed directly through your terminal and work with any Maestro, Debit Mastercard, V PAY or Visa Debit card and even via smartphone (e.g. Android or Apple Pay)</li></ul>"}}]},{"componentType":"paragraph","richBody":{"value":"<ul></ul><p>Other costs to consider:</p>"}},{"componentType":"accordion","accordionList":[{"title":"Purchase costs for the payment terminal","richBody":{"value":"<p>To let your customers pay by card, you’ll of course need a payment terminal. These come in <a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners\">different price ranges</a>.</p><p>Through ING, you can choose from different types of terminals from our <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/partners-payment-terminals\">trusted partners CCV, Buckaroo en Worldline</a>:</p><ul><li>Fixed payment terminals</li><li>Mobile payment terminals</li></ul><p>Good to know:</p><ul><li><a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners\">When you buy a payment terminal through us</a>, your terminal includes a service subscription from CCV, Buckaroo or Worldline</li><li>With us, you sign <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/accepting-card-payments\">a payment contract</a> to process transactions</li><li>Already have a terminal and want an ING payment contract? Then you only pay for the contract: %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur}% per month per terminal and from %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 per card transaction</li></ul><p>Important: When asking “What does card payment cost?” don’t just look at transaction fees. Always consider the purchase price of the terminal, service costs and any additional charges.</p>"}},{"title":"Service costs at the provider of the payment terminal","richBody":{"value":"<p>If you choose to buy <a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners\">a payment terminal from CCV, Buckaroo of Worldline</a> via us, it includes a service subscription from the supplier. This subscription covers support for malfunctions and maintenance. Expect to pay a few tens of euros per month per terminal. The exact amount is specified per model.</p><p><strong>Important:</strong> When asking “What does a card transaction cost?” always consider the service fees charged per terminal by the provider.</p>"}},{"title":"Other costs","richBody":{"value":"<p>Other costs to keep in mind:</p><ul><li>Internet connection or SIM card for mobile terminals</li><li>Electricity costs for operating your terminal</li><li>Paper rolls for printing receipts</li></ul>"}}]},{"componentType":"highlight","title":"Did you know...","richBody":{"value":"<p>Processing costs for card payments are lower than for cash payments.<br />As shown in <a href=\"https://www.kvk.nl/geldzaken/pinnen-of-cash-betaaltrends-aan-de-kassa/\">this article on KVK.nl</a>, figures from the Dutch Payments Association reveal that the costs for card payments are significantly lower than those for cash payments.</p>"}},{"componentType":"sectionTitle","title":"Contactless or cardless payment costs"},{"componentType":"paragraph","richBody":{"value":"<p>We are often asked whether transaction costs for contactless payments or payments via smartphone or smartwatch are higher.<br />No, these costs are the same as when customers insert their card into the terminal.</p>"}},{"componentType":"sectionTitle","title":"An ING payment contract?"},{"componentType":"paragraph","richBody":{"value":"<p>You can count on fast settlement of card transactions:</p><ul class=\"check-mark\"><li>For debit card payments, the money is credited to your ING business account the next day even at weekends</li><li>Credit card payments are credited weekly to your business account</li></ul>"},"textLinks":[{"url":"/en/business/accepting-payments/payment-terminals/accepting-card-payments","text":"Payment contract: what & how"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/8b1c359e-56aa-4ede-9f50-45475fc1a8f2/terminalphonecheckmarkhandnopadding","original":"https://assets.ing.com/m/6dbcffc4d59f9950/original/terminalphonecheckmarkhandnopadding.svg","extension":"svg"}},{"componentType":"paragraph","richBody":{"value":"<p><br /><small class=\"footnote\">Use of this website is subject to terms and conditions, available at: <a href=\"https://www.ing.nl/de-ing/over-ing/disclaimer\">https://www.ing.nl/de-ing/over-ing/disclaimer</a>.</small></p>"}},{"componentType":"linkList","componentStyle":"default","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500,"original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","extension":"png"},"title":"Interesting for you"},"textLinks":[{"url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners","text":"View all payment terminals"},{"url":"/en/business/accepting-payments/payment-terminals/accepting-card-payments","text":"Payment contract via ING"},{"url":"/en/business/accepting-payments/payment-terminals/payment-terminal-rent-or-buy","text":"Rent or buy a payment terminal?"},{"url":"/en/business/accepting-payments/payment-terminals/credit-card-acceptance","text":"Accept credit cards on your terminal"}]}]}}}