Payment Surcharges in the Netherlands: PSD2 Card Ban, PayPal and Klarna Permitted
Under EU PSD2 and the Interchange Fee Regulation, merchants in the Netherlands cannot add surcharges on card-based payments (debit and credit cards). Surcharges on PayPal, Klarna, and other payment methods not covered by the card surcharge ban are not prohibited at EU level; merchants may add them with clear disclosure where permitted by Dutch consumer law.
This is a regulated fee — required or governed by law in the jurisdictions below.
Overview
EU law (PSD2 Article 62(4) and the Interchange Fee Regulation) prohibits surcharges on card-based payments where both the consumer's and the merchant's payment service providers are in the EEA. This covers the vast majority of card payments in the Netherlands. Surcharges on Visa, Mastercard, and other regulated card schemes cannot be passed to the consumer. Payment methods such as PayPal, Klarna, and other buy-now-pay-later or wallet services are not within the scope of the card surcharge ban; member states may allow or restrict surcharging on these. In practice, Dutch merchants generally do not surcharge for alternative payment methods either. Merchants selling to Dutch consumers must not add fees for card payments.
Fee schedule by jurisdiction
2 jurisdictions with active fee requirements.
| Jurisdiction | Fee |
|---|---|
| Netherlands (card payments) | Surcharges banned |
| Netherlands (PayPal, Klarna, other) | Not covered by EU card surcharge ban; may be permitted with disclosure |
Netherlands (card payments)
Surcharges banned
Debit and credit cards under Visa, Mastercard, and other regulated schemes
PSD2 and IFR; applies when both PSPs are in the EEA.
Netherlands (PayPal, Klarna, other)
Not covered by EU card surcharge ban; may be permitted with disclosure
PayPal, Klarna, and other non-card payment methods
Check Dutch consumer law and payment provider terms.
Enforcement
Breach of PSD2 surcharging rules may be subject to national enforcement. Consumers may be entitled to refunds of unlawful surcharges.
Official sources
Related guides
Step-by-step guides for charging netherlands payment surcharge rules on Shopify.
How to Add a Credit Card Surcharge on Shopify
Learn how to add credit card surcharges on Shopify. Understand payment rules, stay compliant, and recover transaction fees with an app.
How to charge a credit card payment method fee with Magical Fees
For Shopify Plus (Plus plan)This feature is fully supported for merchants on Shopify Plus using the Plus plan. In the app admin, click Create Fee.
Shopify compliance
This fee is conditional — legality varies by jurisdiction. Merchants must verify whether their state or region permits this fee before enabling it. Shopify requires clear disclosure of any additional charges at checkout.
This information is maintained by the Magical Apps team and reviewed annually. Always consult official government sources for the most current requirements.
Quick facts
- Regulation
- Payment Services Directive (PSD2) and Interchange Fee Regulation
- Country
- Netherlands
- Jurisdictions
- 2
- Category
- Regulatory Surcharges
Explore Netherlands Payment Surcharge Rules in practice
See how to automate this fee on Shopify and browse other regulations in this category.
Related use cases
Set up with Magical Fees on Shopify.
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Australian Payment Method Surcharges
Australia allows payment method surcharges but caps them at the merchant's actual cost of accepting that payment type. The ban on excessive surcharges applies to Visa, Mastercard, and EFTPOS; American Express, PayPal, and BPAY are not regulated. The ACCC enforces compliance.
View fee schedule →CanadaCanadian Payment Method Surcharges
In Canada there is no federal ban on payment method surcharges. Merchants commonly add surcharges for credit card, PayPal, Klarna, and other alternative payment methods with clear disclosure. Card network and payment provider rules apply.
View fee schedule →GermanyGermany Payment Surcharge Rules
Under EU PSD2 and the Interchange Fee Regulation, merchants in Germany cannot add surcharges on card-based payments (debit and credit cards). Surcharges on PayPal, Klarna, and other payment methods not covered by the card surcharge ban are not prohibited at EU level; merchants may add them with clear disclosure where permitted by German consumer law.
View fee schedule →SpainSpain Payment Surcharge Rules
Under EU PSD2 and the Interchange Fee Regulation, merchants in Spain cannot add surcharges on card-based payments (debit and credit cards). Surcharges on PayPal, Klarna, and other payment methods not covered by the card surcharge ban are not prohibited at EU level; merchants may add them with clear disclosure where permitted by Spanish consumer law.
View fee schedule →European UnionEU VAT for E-Commerce (OSS and IOSS)
Reference for EU VAT rules for e-commerce: the One-Stop Shop (OSS) for distance sales within the EU and the Import One-Stop Shop (IOSS) for low-value imports (consignment value ≤ €150). Non-EU sellers must register and charge VAT; merchants often display it as a separate line at checkout.
View fee schedule →FranceFrance Payment Surcharge Rules
Under EU PSD2 and the Interchange Fee Regulation, merchants in France cannot add surcharges on card-based payments (debit and credit cards). Surcharges on PayPal, Klarna, and other payment methods not covered by the card surcharge ban are not prohibited at EU level; merchants may add them with clear disclosure where permitted by French consumer law.
View fee schedule →Ready to get started?
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