2 PAYMENT METHOD PROFILES: CARD
In Europe, there have been multiple scheme fees introduced or increased in the last two years. For example, in a case study of Spain, of the over 50 network fees charged by international card networks, over 10 have been increased or introduced between 2024-2025. Similar to the United States, nearly 20 of those scheme fees apply uniquely to card-not-present transactions. 186
New or Increased Network Fees in Spain by Network (As of May 2025)
10 15 20 25 30
0 5
Applies to Every Transaction Depending on Transaction Applies to Every Transaction Depending on Transaction Network 1 Network 2
Increased New Unchanged
Graph 2.18
Network Fees in Spain by Channel (As of May 2025)
10 15 20 25 30
0 5
Applies to Every Transaction Depending on Transaction Applies to Every Transaction Depending on Transaction Network 1 Network 2
All
CNP CP
Graph 2.19
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