What’s changing?

A new fee is being introduced for Card Not Present (CNP) within the Single European Payments Area (SEPA) and an incremental Mail Order/Telephone Order (MOTO) fee.

What does the change mean?

The new CNP fee applies to all CNP transactions, which includes MOTO transactions. The CNP fee will NOT apply to Intra-European transactions where the country codes of the merchant and the issuer are both in the extended Eurozone (Euro-countries and Sweden) and the transaction currency is euros (EUR).

How will this affect you?

See rates in below table:

Fee	Domestic	Intra-European	Inter-regional
CNP	N/A	0.025%	0.050%
MOTO	0.025%	0.025%	0.050%

Effective date

• 9 July 2018 for most countries
• 7 January 2019 for Andorra, Belgium, France, Italy, Netherlands, Portugal and Spain