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Greece Interchange Fees 2025

Greece's payment market is evolving with EU regulations and growing digital payment adoption.

Updated January 2025 • EU Compliant
Visa Interchange Fees
Current rates for Greece
Consumer Credit0.3%
Consumer Debit0.2%
Commercial Cards0.4%
Mastercard Interchange Fees
Current rates for Greece
Consumer Credit0.3%
Consumer Debit0.2%
Commercial Cards0.4%
Market Overview
Key market insights for Greece

Market Size & Volume

Market Size:€200 billion
Payment Volume:€35 billion annually
Card Penetration:58% of transactions

Market Characteristics

Traditional bankingGrowing digital adoptionE-commerce growthRegulatory compliance

Greece's payment market is characterized by traditional banking with growing digital adoption. Major acquirers include DIAS, Worldline, and local banks. Strong growth in digital payments and e-commerce.

Payment Trends
Current market trends in Greece

Growing contactless adoption (65% of card transactions), increasing mobile payment usage, and rapid e-commerce growth. Traditional payment methods still popular, especially in smaller businesses.

Cost Optimization
How to optimize payment costs in Greece

Greek merchants can optimize through strategic payment routing, leveraging local payment schemes, implementing SEPA Direct Debit for recurring payments, and negotiating better rates with acquirers.

Regulatory Context
Compliance and regulatory information for Greece

Key Regulations

EU Interchange Fee RegulationPSD2Greek Banking ActPayment Services Act

Regulatory Notes

Full EU compliance with Greek banking regulations and growing digital transformation

Market Analysis
In-depth analysis of Greece's payment market

The Greek payment ecosystem is dominated by DIAS (major local acquirer), alongside international players and traditional banks. Contactless payments represent 65% of card transactions, with strong growth in mobile payments and e-commerce.

Payment Landscape
Understanding Greece's payment ecosystem

Greece's payment infrastructure includes major international networks, local schemes, and traditional banking solutions. SEPA Instant payments are gaining traction, while traditional card payments remain dominant.

Regulatory Context
Comprehensive regulatory information for Greece

Greece maintains full compliance with EU regulations while promoting digital transformation. PSD2 implementation has been comprehensive, with strong focus on open banking and digital payment development.

Optimization Opportunities
How to optimize payment costs in Greece

Greek merchants can optimize costs through strategic payment routing, leveraging local payment schemes, implementing SEPA Direct Debit for recurring payments, and negotiating volume-based rates with acquirers.

Get Complete EU Interchange Fee Data

This page shows sample data for Greece. Our complete report includes detailed interchange fee data for all 30 EU countries with comprehensive breakdowns, regulatory analysis, and cost optimization insights.

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Credit, debit, commercial, and prepaid card rates

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