Debit and credit card fees

A business is not entitled to charge you a fee for paying with a debit or credit card.

A business may not charge you a fee for paying with VISA, MasterCard or another debit or credit card. Any administrative charges must apply to all methods of payment that the business offers.

A business can decide what methods of payment to allow

A business has the right to decide what methods of payment it will offer you. For example, it can specify that you may pay with a debit or credit card only when the purchase is for more than SEK 50, SEK 100 or some other arbitrary amount.

A business can charge debit or credit card fees under certain circumstances

Swedish law usually applies if you buy something online from a business that sells to Swedish consumers but is located in another country. A business that is located abroad may be entitled to charge debit or credit card fees under certain circumstances, depending on the laws of the particular country.

Buying tickets on the website of an airline

Airlines may charge a debit or credit card fee under certain circumstances. For example, Ryanair follows Irish law since its head office is in that country. Charging debit or credit card fees is not against the law in Ireland.

If you buy tickets from an online travel agency that sells to Swedish customers, it must follow the law that prohibits debit or credit card fees.