Fees are broken down into transparent components, so you can see what you pay on every transaction.
Interchange is the component collected by the issuing bank and varies by card type and geography. On top of it come scheme fees and the RONPAY margin, from 0.55%.
| Card type | Intra-EEA | Extra-EEA | Fixed fee |
|---|---|---|---|
| Visa Debit Consumer | 0.20% | 1.15% - 1.50% | 0.05 EUR |
| Visa Credit Consumer | 0.30% | 1.50% - 2.90% | 0.05 EUR |
| Card type | Intra-EEA | Extra-EEA | Fixed fee |
|---|---|---|---|
| Visa Debit Business | 0.80% - 1.20% | Variable | 0.05 EUR |
| Visa Credit Business | 1.40% - 2.10% | Variable | 0.05 EUR |
| Visa Premium / Corporate | 1.80% - 2.50% | Variable | 0.05 EUR |
| Card type | Intra-EEA | Extra-EEA | Fixed fee |
|---|---|---|---|
| Mastercard Debit Consumer | 0.20% | 1.15% - 1.50% | 0.05 EUR |
| Mastercard Credit Consumer | 0.30% | 1.50% - 2.90% | 0.05 EUR |
| Card type | Intra-EEA | Extra-EEA | Fixed fee |
|---|---|---|---|
| Mastercard Debit Business | 0.70% - 1.10% | Variable | 0.05 EUR |
| Mastercard Credit Business | 1.20% - 2.00% | Variable | 0.05 EUR |
| Mastercard Premium / Corporate | 1.60% - 2.30% | Variable | 0.05 EUR |
Interchange is set by Visa and Mastercard and is identical for every processor. On top of it come scheme fees and the RONPAY margin, from 0.55% — that is the IC++ model. Values may be updated by the card networks.
| Scheme / wallet | Fee | Details |
|---|---|---|
| American Express | 3.20% | Single rate |
| Google Pay / Apple Pay | Rate of the card used | Same as paying with the card in the wallet |
| JCB | 3.50% | Single rate |
| Discover | 3.50% | Single rate |
| Alipay | 3.50% | Single rate |
For American Express, JCB, Discover and Alipay the fee is a single rate, not split into interchange, network fees and margin. Google Pay and Apple Pay follow the rate of the card used.
Processing services are invoiced intra-community, directly by Rox Pay S.p.A. (Italy, VAT number IT01524770524), separately for each client.
* All rates are indicative. Interchange and scheme fees are set by the card networks (Visa, Mastercard, American Express) and may be changed by them without prior notice. The fees that apply to your account are confirmed on signing the contract.
PCI-certified hardware. We agree the right model in your offer, based on your business type and payment volume.
Android countertop terminal for retail and hospitality. Includes USB cable and power adapter. Intuitive touchscreen display, built-in thermal printer and NFC reader for contactless payments. Open and customisable Android OS.
Premium countertop solution for high-traffic retail. Includes the M450 terminal, Cube Ethernet M400 for Gigabit connectivity and EU power supply. Touchscreen display, built-in thermal printer and NFC support for all contactless payments.
Compact countertop terminal with a built-in SIM card. Includes EU power adapter and a 2-metre USB cable with a 90° angled connector. 4G and WiFi connectivity for any retail environment, without cable clutter.
The portable variant of the S1F2: a compact terminal with a built-in battery for maximum autonomy. Includes SIM card, EU power adapter and USB cable. Designed for remote counters, trade shows and mobile points of sale.
Portable mobile terminal with a built-in battery for maximum operational autonomy. Includes SIM card, battery, EU power adapter and USB charging cable. Lightweight and compact, ideal for home deliveries, trade shows and events.
Portable Verifone terminal for payments on the go. Includes EU power supply, SIM card and receipt roll. Touchscreen display, 4G/WiFi/Bluetooth connectivity and a long-lasting battery. Ideal for tableside service, delivery and sales without a fixed station.
Datecs mobile terminal with a built-in thermal printer. Ergonomic design, long-lasting battery and 4G/WiFi/Bluetooth connectivity. Designed for delivery, trade shows, events and all mobile payments that need an instant receipt.
Compact mobile POS terminal with a built-in thermal printer. Ergonomic design and a long-lasting battery for a full working day. Ideal for delivery, trade shows, events and mobile payments.
Terminal designed for automatic payments and unattended stations. Includes IO cable, 4G antenna, DC jack cable, DC adapter and mounting plate with screws. Built for self-service kiosks, car parks and vending machines.
Availability and which terminals are supplied free of charge are confirmed after we review your business type and payment volume. Where free supply is not approved, you receive an offer with a maintenance fee or on monthly rental.
A single integration to accept the payment methods your customers expect.
Gateway for cards and wallets: WooCommerce, Magento, PrestaShop, API.
SEPA Instant account-to-account transfer in euro, often cheaper than card.
SaaS subscriptions, with automatic retry on failure.
One IBAN per customer, with automatic reconciliation.
Custom checkout without storing card data, with reduced PCI DSS scope.
One-click tokenisation, PCI DSS compliant.
Dynamic 3D Secure and real-time analysis, without slowing checkout down.
The customer pays in instalments, and you receive the full amount once the payment is approved.
The same interchange grid applies to online payments: the same components as at the POS — interchange, scheme fees and the RONPAY margin, from 0.55%.
* The same applies as to the grid above: rates are indicative, may be changed by the card networks without prior notice, and are confirmed on signing the contract.
The customer pays in instalments, you are paid in full. The fee, the per-instalment cost and the minimum order value are set in your offer, according to industry and volume.
At checkout, instalments appear as an option alongside the other methods.
The first instalment is authorised on the spot, like any card payment.
The full amount goes into your settlement, whatever the number of instalments.
Financing, eligibility checks and instalment collection are provided by Klarna, an authorised financial institution.
Every fee is broken down into clear components — you pay only what the card scheme requires, plus the RONPAY cost. No hidden mark-ups.
The fee set by the card networks (EU interchange / IFR), identical for every provider. It varies by card type.
The card scheme's fees (Visa / Mastercard), billed transparently, with no opaque markup.
The RONPAY component — a fixed cost per transaction plus a clear percentage margin.
Every cost, in plain sight.
| Fee | Amount | When it applies |
|---|---|---|
| Gateway fee | 0 EUR | No monthly subscription |
| Minimum RONPAY margin | 0.55% | Per transaction, on top of interchange, network fees and the fixed 0.05 EUR component |
| Refund fee | 0.50 EUR | Per refund issued |
| Chargeback fee | 10 EUR | Per chargeback received |
| Declined transaction fee | 0 EUR | Per declined transaction |
| Wallet withdrawal | 0.50 EUR | Per transfer from the RONPAY wallet to your bank account |
Safety reserve (rolling reserve). The percentage withheld and the release period are set individually, after the KYB (Know Your Business) verification, and are communicated to you directly once onboarding is complete. It is not a fixed percentage applied to every merchant.
Fast activation, transparent pricing and dedicated support for your business.
