In short: what does this mean?
If your guest pays with a European, non-business Visa or Mastercard card and the order value is high enough, card acceptance can get cheaper for you: around 0.74–1.04% in total. In every other case it can also get more expensive, and many factors can affect this.
IC++ instead of blended
Instead of the previous fixed fee (called blended pricing, where every card type costs the same), the card acceptance fee is made up of three separate fees. This is called IC++ (Interchange++) pricing.
The three components of IC++
1. Transaction fee
The fee charged by the card acquirer (Barion): a fixed 0.54%.
2. Scheme fee
The fee of the card schemes (e.g. Visa or Mastercard). It depends on what these schemes agree with the acquirer's bank. Since Barion's bank is OTP, the detailed fees are in OTP's fee table:
3. Interchange fee
The fee due to your guest's bank (the issuing bank), set by the Visa and Mastercard rules. For EU consumer cards it is capped by regulation: 0.2% for debit cards and 0.3% for credit cards. For business cards it is typically 1.35–1.65%. Visa's and Mastercard's fees are public: Visa interchange, Mastercard interchange. For other cards (e.g. American Express) this fee can be higher.
If the money does not move between banks (that is, the guest also banks with OTP, like Barion), this fee is not charged. This does not apply when the card is used through Apple Pay or Google Pay.
Rounding and more information
Barion always rounds the fee items to whole forints. Details on Barion's site about the pricing and how IC++ works:
- Barion: online payment fees and terms (in Hungarian)
- What is the difference between the Barion Smart Gateway Fix and IC++ plans? (in Hungarian)
We don't set these fees, so we can't change them. We pass them on as an intermediated, VAT-exempt financial service, without VAT.
Examples (a 10,000 Ft payment)
1. OTP Mastercard consumer debit card
| Item | Amount |
|---|---|
| Transaction fee (0.54%) | 54 Ft |
| Scheme fee: 4.86 Ft + 0.1487% | ≈ 20 Ft |
| Interchange: direct OTP card payment (0%) | 0 Ft |
| Interchange: Google / Apple Pay (0.2%) | 20 Ft |
| Total: direct card | 74 Ft (0.74%) |
| Total: Apple / Google Pay | 94 Ft (0.94%) |
2. European Mastercard business credit card
| Item | Amount |
|---|---|
| Transaction fee (0.54%) | 54 Ft |
| Scheme fee: 10.55 Ft + 0.2750% | ≈ 38 Ft |
| Interchange (1.35%) | 135 Ft |
| Total | 227 Ft (2.27%) |
What changes in Qriosum?
Our commission is a fixed percentage; IC++ doesn't change it.
If you allowed paying later for a table, we make it the default that guests don't pay per order but once, at the end of their visit. This raises the order value and makes it easier to avoid the higher costs of small transactions (which the fixed part of the scheme fee can cause).
Card acceptance fees only affect online Barion payments: if guests pay at the counter in cash or by card, you still don't pay Barion's fee.
We don't deduct the fees at the moment of the transaction but monthly in arrears, together with the monthly invoice, from the bank card you registered. The money stays with you until then, which helps your cash flow. This also means you get only one invoice from us each month instead of two.