--- title: "Bank Card Commission Rates for Merchants: An Overview" description: "Bank card commission: what a card payment really costs the merchant, unlike cash. A complete overview." image: https://go.stancer.com/hubfs/article_taux-de-commission-de-carte-bancaire-pour-commercant-tour-d-horizon-1.avif --- [Skip to content](https://go.stancer.com/en/blog/payment/bank-card-commission-rates-for-merchants-an-overview#main-content) ![](https://go.stancer.com/hs-fs/hubfs/Logo%20stancer@2x.png?width=300&height=46&name=Logo%20stancer@2x.png) - Products Show submenu for Products - [Online payment](https://stancer.com/fra/en/online-payment) - [Payment terminal](https://stancer.com/fra/en/payment-terminal) - [Tap to Pay on iPhone](https://stancer.com/fra/en/tap-to-pay-on-iphone) - [Payment link](https://stancer.com/fra/en/payment-link) - [Documentation](https://docs.stancer.com/en/) - [Pricing](https://stancer.com/fra/en/pricing) - [Blog](https://go.stancer.com/blog) Open main navigation Close main navigation - Products Show submenu for Products - [Online payment](https://stancer.com/fra/en/online-payment) - [Payment terminal](https://stancer.com/fra/en/payment-terminal) - [Tap to Pay on iPhone](https://stancer.com/fra/en/tap-to-pay-on-iphone) - [Payment link](https://stancer.com/fra/en/payment-link) - [Documentation](https://docs.stancer.com/en/) - [Pricing](https://stancer.com/fra/en/pricing) - [Blog](https://go.stancer.com/blog) - - [English](https://go.stancer.com/en/blog/payment/bank-card-commission-rates-for-merchants-an-overview) - [French](https://go.stancer.com/blog/paiement/taux-de-commission-de-carte-bancaire-pour-commercant-tour-horizon) - [Start now](https://signup.stancer.com/en/sign-up/) [Start now](https://signup.stancer.com/en/sign-up/) - [English](https://go.stancer.com/en/blog/payment/bank-card-commission-rates-for-merchants-an-overview) - [French](https://go.stancer.com/blog/paiement/taux-de-commission-de-carte-bancaire-pour-commercant-tour-horizon) Payment ![Calcul des frais de commission sur une transaction par carte bancaire](https://go.stancer.com/hubfs/article_taux-de-commission-de-carte-bancaire-pour-commercant-tour-d-horizon.avif) Aminata • 12 novembre 2026 • 3 min de lecture # Bank Card Commission Rates for Merchants: An Overview Practicality, security, ease of management — bank card payment is attracting more and more consumers. However, card payments come at a cost for the merchant, unlike cash payments. An overview of the bank card commission. Partager : Sommaire Newsletter ### Stay in the loop Get our latest articles and tips straight to your inbox. What are the collection fees for a merchant? With each card transaction, the merchant must pay fees for the acceptance and processing of payments on the collected amount. Hence the term collection fees, commonly called the bank card commission. Its value depends on several factors, including the volume of transactions, the payment amount, the type of bank card used, and the chosen payment service provider. ### What makes up the collection fees? The payment interchange commission or CIP/MIF (Multilateral Interchange Fee): generally fixed and common to all banks. This term refers to a fee paid by the merchant's bank to the customer's bank to cover the use of the payment network. However, the CIP does not apply if both parties are with the same bank. Network fees: Less significant than the CIP, card networks such as CB, Visa, and MasterCard bill the merchant to ensure the collection of the transaction amount. The chosen payment provider's margin: your bank or payment provider can freely set its own commissions. These may include transaction commissions, monthly subscription fees, or rental or purchase fees for the electronic [payment terminal](https://stancer.com/fra/en/payment-terminal). ## Card payments can be expensive Due to the bank card commissions mentioned above, this payment method can indeed be costly for merchants. However, the benefits associated with accepting card payments can offset these collection fees. That said, it is possible to limit these card commissions by selecting the right payment provider. ## Is it possible to reduce your commission rate? Several solutions are within reach for merchants and businesses to reduce their bank card commission rate. To benefit from a more favorable commission rate, consider choosing a cheaper payment service provider (PSP), such as Stancer. ## Discover the payment terminal suited to small amounts At Stancer, our mission is to provide practical and [affordable payment solutions](https://stancer.com/fra/en/pricing) for small businesses. We offer a range of payment products, including payment terminals, online payments, and payment links, which allow merchants to easily accept card payments, whether in their physical store or through secure online payments. Our payment terminal is designed to be perfectly suited to small transactions. You don't pay the fixed commission for transactions under €7, which makes our payment terminal ideal for small businesses accustomed to receiving small-amount collections. In addition, our [subscription-free POS](https://stancer.com/fra/en/payment-terminal/subscription-free-payment-terminal) is provided for free with a minimum of 150 transactions. One last thing? It's easy to use, secure, fast, and features advanced functionality (dashboard) to simplify payment management. 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Balbine • 12 novembre 2026 • 1 min de lecture Payment ### [How Our Verifone Payment Terminal Works](https://go.stancer.com/en/blog/payment/how-our-verifone-payment-terminal-works?hsLang=en) [![How Our Verifone Payment Terminal Works](https://go.stancer.com/hubfs/article_comment-fonctionne-notre-terminal-de-paiement-verifone-1.avif)](https://go.stancer.com/en/blog/payment/how-our-verifone-payment-terminal-works?hsLang=en) Verifone payment terminal: how it works and its advantages for merchants. Enjoy this POS at a favorable rate with Stancer. Aminata • 12 novembre 2026 • 1 min de lecture Payment ### [Stay Connected: Wi-Fi and 4G Network on Your Verifone POS](https://go.stancer.com/en/blog/payment/stay-connected-wi-fi-and-4g-network-on-your-verifone-pos?hsLang=en) [![Stay Connected: Wi-Fi and 4G Network on Your Verifone POS](https://go.stancer.com/hubfs/article_restez-connecte-wifi-et-reseau-3g-sur-votre-tpe-verifone.avif)](https://go.stancer.com/en/blog/payment/stay-connected-wi-fi-and-4g-network-on-your-verifone-pos?hsLang=en) Discover how to easily activate and configure Wi-Fi and 4G GPRS connectivity to ensure smooth and secure transactions anywhere. 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