Analyse your transaction flow
Pricing that doesn't match your transaction profile leads to higher costs.
Est. Card Fees
Legacy Bank POS
2.50% eShop Checkout
Routing optimized
Up to -40%
Fees
Intelligence for EU commerce
Reduce card processing fees for your EU business
FeeFox audits your acquiring, interchange and POS fees across Europe — then connects you with more cost-efficient payment structures tailored to how your business actually processes transactions.
No commitment
Results in 24 hours
Built for EU businesses
Stop overpaying for card processing
We analyse your current payment setup and identify where your fees don't match your transaction profile — then help you move to a more cost-efficient structure.
Optimise your acquiring setup
VISA
Improve cross-border transaction costs
$30 USDB
Cost pressure
Where unnecessary costs typically occur
These are the areas where costs often become difficult to detect, compare, or optimise over time.
Hidden fee layers
Additional charges can accumulate across contracts, processing structures, and reporting gaps.
Complex fee structures
Pricing models often make the real cost difficult to understand at a glance.
Outdated commercial terms
Many businesses continue operating on terms that no longer reflect their current transaction profile.
Process architecture
How it works
The process is structured to produce a useful commercial review with minimal input from your side.
Assessment timeline
A structured review with minimal friction.
Completed steps remain visible, while the active step carries the focus as you move through the review flow.
Start free assessmentStep 01
Share your current setup
Provide a few details about your business, payment activity, and current provider structure.
Step 02
We evaluate your costs
We assess your current commercial setup against more efficient alternatives.
Step 03
Receive your assessment
You get a clearer view of your current position and the opportunities available.
Commercial Optimization
Optimisation across every model
Different business models produce different transaction behaviour. We structure routing and pricing that actually fits your specific checkout flow.
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DTC Retail
Commercially better aligned
Transaction pattern
High-frequency checkout traffic with mostly consumer card spend Fee variation
Domestic and EU cards dominate the mix The provider structure needs to reflect steady authorization patterns, margin sensitivity, and repeatable checkout behavior.
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Subscription Business
More efficient structure
Transaction pattern
Recurring billing with cross-border card activity Fee variation
Higher mix of international and business cards Recurring payments create a different commercial profile, especially when issuer mix and authorization behavior vary by market.
✈️
Marketplace / Travel
Better fit across conditions
Transaction pattern
Seasonal volume swings with mixed-ticket transactions Fee variation
Domestic, EU, and non-EU traffic can shift materially over time Variable demand and more complex risk signals often require terms that are reviewed more actively than standard pricing allows.
Decision matrix
How FeeFox compares
Typical providers
Commercial decisions often remain fixed long after transaction behaviour changes.
- Standard pricing structures
- Limited flexibility by profile
- One-size-fits-all terms
- Minimal active optimisation
With FeeFox
Evaluation is structured around transaction behaviour and commercial fit.
- Tailored commercial evaluation
- Provider comparison based on transaction behaviour
- Better fit across business models
- Continuous optimisation mindset
Knowledge base
Frequently asked questions
Clear answers on scope, timing, and what information is needed to run an initial commercial assessment.
Yes. The initial assessment is provided at no cost and without obligation.
In the EU, consumer debit interchange is capped at 0.2% and consumer credit at 0.3% under the Interchange Fee Regulation. On top of that, merchants typically pay scheme fees (Visa/Mastercard, roughly 0.05%–0.15%) and an acquirer markup. Realistic total card processing costs range from 0.6% to 2.5% depending on card mix, channel and provider.
IC++ (Interchange++) breaks your fee into three transparent components: interchange + scheme fee + acquirer markup. Blended pricing bundles everything into a single rate. IC++ is almost always cheaper for merchants with a high share of low-interchange domestic cards, because you stop overpaying on the spread. Blended can be simpler to forecast but typically costs more.
Yes. Acquirer markups, monthly platform fees, terminal rental and scheme fee pass-through are all negotiable — especially once you cross roughly EUR 20,000 in monthly card volume. The challenge is benchmarking: without an objective view of the market, most merchants accept the first offer. FeeFox provides that benchmark.
Yes. FeeFox assesses payment setups for merchants across the European Union, including cross-border and multi-country processing. Our benchmarks cover pan-EU acquirers, regional banks and specialist PSPs.
Not necessarily. FeeFox presents better-fit options, but the decision remains entirely yours. In many cases the most efficient outcome is renegotiating with your current acquirer using FeeFox benchmarks as leverage.
Most initial reviews are completed within 24 hours. A full provider comparison with cost modelling typically takes 2–3 business days depending on transaction volume and complexity.
No. We can begin with partial information (latest monthly statement or a screenshot) and refine the view as needed. PSD2 entitles you to full transparency on your fees.
Yes. The assessment compares provider fit across different transaction patterns — e-commerce, omnichannel retail, marketplaces, subscriptions, high-risk verticals, B2B and cross-border merchants.
Free commercial review
Benchmark your card processing fees
Two short steps. We return a structured review within 24 hours — independent and without commitment.
Start free assessmentCommercial review
Structured, fast, and focused on fit. FeeFox helps surface whether your current provider structure still matches the way your business actually processes cards.