Paying credit card surcharge is no longer allowed

A store or webshop may no longer allow you to pay extra if you want to pay with a credit card. Since February 2019, that is also definitively prohibited in the Netherlands.

The so-called credit card surcharge has actually been taboo within Europe for a while. But the Netherlands was too late to introduce this European directive. The EU does not want you as a consumer to be hampered in the choice of your payment method.

Supplement had already been reduced to a maximum of 0.3%

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Before mid-February of this year, Dutch retailers were still allowed to temporarily charge a surcharge of up to 0.3% of the purchase amount. If you bought a gaming computer of 300 euros, the electronics store could ask you 90 cents extra if you would like to pay with a credit card.

Since the introduction of the PSD2 open banking law, this is no longer permitted.

At least, not if you want to pay with a normal Visa or Mastercard credit card

At least, not if you want to pay with a normal <a href=Visa or Mastercard credit card” />

The surcharge is still allowed for credit cards that are not officially registered as consumer payment methods.

The surcharge is also allowed for credit cards from outside the EU. For example the Visacard of a Japanese tourist. But the Netherlands was too late to introduce this European directive. The EU does not want you as a consumer to be hampered in the choice of your payment method.

Stubborn shopkeeper?

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If you still come across a company that wants you to pay a fee for using a normal private credit card, then inform this organization that this is no longer permitted by law. You can refer to the PSD2 Act, which includes this prohibition.

The rule also does not apply to credit cards issued outside the EU. However, Visa and Mastercard lower the special rates they charge for this to European retailers by 40%. The European Commission has agreed to this.