[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:why-fees-differ-between-cards":3},{"id":4,"title":5,"answer":6,"body":7,"category":64,"description":65,"extension":66,"meta":67,"modifiedAt":68,"navigation":69,"pairId":70,"path":71,"publishedAt":72,"question":73,"relatedPath":55,"seo":74,"seoTitle":75,"sitemap":76,"slug":77,"stem":78,"translationSlug":79,"__hash__":80},"questions_en\u002Fen\u002Fquestions\u002Fwhy-fees-differ-between-cards.md","Why Fees Differ Between Cards","The rate depends on who issued the card and under which rules the settlement runs. Russian bank cards, SBP and Pay services share one rate — from 2.9% — while foreign cards cost more, from 8.9%, because their settlement is longer and riskier.",{"type":8,"value":9,"toc":58},"minimark",[10,13,18,34,38,49],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"what-drives-the-rate","What drives the rate",[19,20,21,25,28,31],"ul",{},[22,23,24],"li",{},"The issuing bank country: cross-border operations always cost more than domestic ones.",[22,26,27],{},"The card type: premium cards carry higher interchange.",[22,29,30],{},"The industry and MCC code: some categories carry a higher dispute risk.",[22,32,33],{},"Merchant turnover: at higher volumes the rate is negotiated individually.",[14,35,37],{"id":36},"what-to-do-about-it","What to do about it",[19,39,40,43,46],{},[22,41,42],{},"If you sell domestically only, foreign card acceptance can stay switched off.",[22,44,45],{},"Measure your effective rate rather than one tariff line: method mixes differ.",[22,47,48],{},"Revisit terms as volume grows — that is when there is a basis for it.",[11,50,51,52,57],{},"How to accept cards from foreign banks is on the ",[53,54,56],"a",{"href":55},"\u002Fen\u002Finternational-acquiring","international acquiring page",".",{"title":59,"searchDepth":60,"depth":60,"links":61},"",2,[62,63],{"id":16,"depth":60,"text":17},{"id":36,"depth":60,"text":37},"fees","Russian bank cards start at 2.9% and foreign ones at 8.9%. Where the difference comes from and what else drives the final rate.","md",{},null,true,"question-67","\u002Fen\u002Fquestions\u002Fwhy-fees-differ-between-cards","2026-08-17","Why does the fee differ between cards?",{"description":65},"Why the fee differs between cards",{"loc":71},"why-fees-differ-between-cards","en\u002Fquestions\u002Fwhy-fees-differ-between-cards","pochemu-komissiya-otlichaetsya-po-kartam","m343cHclwYsg6IcSePVhZH_-lyjMh-MZ7Rm5-y6gNGg"]