--- title: "Card Fees and Limits FAQ" slug: "faq" updated: 2026-07-08T19:35:16Z published: 2026-07-08T19:35:16Z canonical: "www.documentation.paynetics.digital/faq" --- > ## Documentation Index > Fetch the complete documentation index at: https://www.documentation.paynetics.digital/llms.txt > Use this file to discover all available pages before exploring further. # Card Fees and Limits FAQ ## 🏳 Card Fees & Limits — Frequently Asked Questions (FAQ) --- ### **ATM Fees** **1. Do ATM withdrawal fees depend on the country?** No. ATM withdrawal fees depend on the **card currency**, not the country. - If your card is in **EUR**, any ATM dispensing **EUR** will be treated as a **domestic** transaction. - The same card used at an ATM dispensing another currency (e.g., RON in Romania) will be treated as a **non-domestic** transaction. You can define different fees for domestic and non-domestic transactions. --- **2. Are ATM withdrawal fees different within and outside the EEA?** No. The fee structure is not based on geography but on whether the **transaction currency matches the card currency**. A transaction in EUR from a EUR card is treated as domestic — regardless of where it happens. --- **3. What is the fee percentage for ATM withdrawals?** This is determined by the **program manager**. Fees can be configured as: - A **fixed fee** - A **percentage-based fee** - Or a **combination** of both (fixed + percentage) --- ### **3D Secure (3DS)** **4. Is 3D Secure required for all transactions?** 3D Secure (3DS) is **mandatory for transactions within the EEA**. - If the merchant is based in the EEA, 3DS authentication will always be enforced. - Merchants can choose to skip 3DS for **Low Value Payments (LVP)** — typically for transactions below **€30**, per scheme rules. - Additional rules can be applied (e.g., always enforce 3DS outside the EEA) if desired. Further configuration should be discussed with the **Risk Team**. --- ### **Acquiring Fees** **5. Are acquiring fees charged on ATM transactions?** No. **Paynetics currently supports only Card-Not-Present (CNP) acquiring**, which applies to **online (e-commerce) transactions**. ATM transactions are not subject to acquiring fees. --- ### **Transaction Limits** **6. What are the daily, weekly, and monthly limits for transactions?** This depends on the setup of your card program. - If you'd like **sample limits**, your Program Manager can share a standard limit group. - If you want to know the **maximum limits Paynetics can approve**, the request will be reviewed by the **Risk Team**. --- ### **Fee Configuration Overview** **7. How are fees structured?** Fees can be configured under several categories, each with its own options: | **Category** | **Configuration Options** | **Notes** | | --- | --- | --- | | **Authorisation Fees** | Fixed fee, % fee, or a combination (flat + %) | Applies to ATM, POS, and online authorizations | | **Recurring Fees** | Same as above + options for SMS fees, decline fees, total caps, etc. | Used for periodic or ongoing charges | | **Web Service Fees** | Fees applied on specific events (e.g., card creation, activation, reloads) | Used for operational or setup charges | --- ### **Examples of Fee Applications** **8. How are ATM and POS fees applied in practice?** Below are examples of how fees may apply to different transaction types: | **Transaction Type** | **Fee Basis / Notes** | | --- | --- | | **ATM withdrawal (within or outside EEA)** | Based on card vs. transaction currency (not region) | | **ATM PIN change / balance inquiry** | Same fee applies regardless of location or currency | | **ATM/POS foreign exchange** | Follows the "Non-Domestic" fee configuration | | **POS payment** | Applies per the "Authorization Fee" setup | | **Apple Pay (POS, ATM, or online)** | Treated like any regular transaction; same fee rules apply | | **Purchase with cashback** | Standard POS fee applies (no separate cashback fee) | | **Internet payment** | Follows the "Authorization Fee" configuration | --- **9. Are Apple Pay or other xPay transactions charged differently?** No. Transactions through **Apple Pay, Google Pay, or similar wallets** are not separated from regular card transactions. The same fees apply for POS, ATM, and online payments. --- **10. Can fees be customized for specific operations?** Yes. Most fee types — including authorization, recurring, and service fees — can be customized per program. You can define: - When the fee is charged (e.g., on card creation, activation, reload, etc.) - Whether it's fixed, percentage-based, or both - Minimum/maximum caps or thresholds A cardholder authentication protocol used during online card payments. 3DS reduces card-not-present fraud and supports regulatory requirements including Strong Customer Authentication. Authentication can be frictionless (no user interaction required) or challenge-based (the user must actively verify the transaction). A **Card** is a payment instrument linked to an account or a virtual account. Cards can be issued as virtual or physical and can be configured for consumer or business use. Each card is associated with a single account and uses the balance of that account for transactions. Card behaviour, including limits, fees, usage permissions, and wallet enablement, is defined by the program and card-level configuration. A **Program** defines the configuration under which accounts and cards operate. Programs specify: - supported currencies - account and IBAN generation rules - availability of virtual and physical cards - default card behaviour such as limits, fees, usage controls, and wallet enablement Each account is created under a specific program and references it via a **program code**, which is provided during **partner onboarding**. Programs establish default behaviour at both account level and card level. These defaults can be refined later through API configuration where applicable. The real-time step in a card transaction in which the issuer approves or declines a payment based on available funds, velocity limits, fraud rules, and card status. A successful authorisation places a hold on the cardholder's balance.