# Card Regions and Fees

Card networks such as Mastercard and Visa divide the world into various regions. Depending on where the merchant is located and the country in which the customer's credit card was issued, different transaction fees apply.

Generally, the following types of transactions are distinguished:

<table data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><a href="#domestic-transactions-domestic"><strong>Domestic</strong></a></td><td>Domestic Transactions: Merchant and credit card in the same country</td><td>Fees: $</td></tr><tr><td><a href="#intra-regional-transactions-intra"><strong>Intra</strong></a></td><td>Intraregional Transactions: Merchant and credit card in the same region</td><td>Fees: $$</td></tr><tr><td><a href="#interregional-transactions-inter"><strong>Inter</strong></a></td><td>International Transactions: Merchant and credit card in different regions</td><td>Fees: $$$</td></tr></tbody></table>

## Domestic Transactions (Domestic)

The merchant's country matches the country where the credit card was issued.

#### Examples:

* A card issued in :flag\_ch: Switzerland is used at a merchant in :flag\_ch: Switzerland.
* A card issued in :flag\_at: Austria is used at a merchant in :flag\_at: Austria.
* A card issued in the :flag\_us: United States is used at a merchant in the :flag\_us: United States.

#### Fees:

Domestic transactions generally incur the lowest fees due to lower regulatory and operational costs.

## Intraregional Transactions (Intra)

The merchant's country does not match the country where the credit card was issued. Both countries are within the European Economic Area (EEA).

#### Examples:

* A card issued in :flag\_at: Austria is used at a merchant in :flag\_it: Italy.
* A card issued in :flag\_fr: France is used at a merchant in :flag\_de: Germany.
* A card issued in :flag\_cy: Cyprus is used at a merchant in :flag\_dk: Denmark.

#### Fees:

The fee amount usually falls between those of domestic and inter-regional transactions.

## Interregional Transactions (Inter)

The merchant's country and the country where the credit card was issued are neither in the same country nor in the same region.

#### Examples:

* A card issued in :flag\_ch: Switzerland is used at a merchant in :flag\_de: Germany.
* A card issued in :flag\_at: Austria is used at a merchant in :flag\_ch: Switzerland.
* A card issued in the :flag\_us: United States is used at a merchant in :flag\_de: Germany.
* A card issued in the :flag\_gb: United Kingdom is used at a merchant in :flag\_it: Italy.

#### Fees:

Interregional transactions incur the highest fees due to additional risks and higher processing requirements.

### The European Economic Area

The European Economic Area (EEA) includes the following 30 countries:

|                     |                    |                          |                        |                     |
| ------------------- | ------------------ | ------------------------ | ---------------------- | ------------------- |
| :flag\_at: Austria  | :flag\_dk: Denmark | :flag\_hu: Hungary       | :flag\_lt: Lithuania   | :flag\_pt: Portugal |
| :flag\_be: Belgium  | :flag\_ee: Estonia | :flag\_is: Iceland       | :flag\_lu: Luxembourg  | :flag\_ro: Romania  |
| :flag\_bg: Bulgaria | :flag\_fi: Finland | :flag\_ie: Ireland       | :flag\_mt: Malta       | :flag\_sk: Slovakia |
| :flag\_hr: Croatia  | :flag\_fr: France  | :flag\_it: Italy         | :flag\_nl: Netherlands | :flag\_si: Slovenia |
| :flag\_cy: Cyprus   | :flag\_de: Germany | :flag\_lv: Latvia        | :flag\_no: Norway      | :flag\_es: Spain    |
| :flag\_cz: Czechia  | :flag\_gr: Greece  | :flag\_li: Liechtenstein | :flag\_pl: Poland      | :flag\_se: Sweden   |

{% hint style="info" %}
Since :flag\_ch: Switzerland is not a member of the European Economic Area (EEA), payments made with credit cards issued in these countries are classified as inter-regional transactions.
{% endhint %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.payrexx.com/merchant/english/payment-provider/payrexx-pay/card-regions-and-fees.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.