Can an online store charge extra fees for payment?

The short answer

Online stores are not allowed to charge surcharges for payment with common payment methods. This applies to iDEAL, credit cards, bank transfers and other widely used payment methods. The legislature has prohibited this to protect consumers from unfair practices. All payment costs must already be included in the product price. If an online store still charges extra costs, you can object to this.

What does the law say?

The Law on the Implementation of the Payment Services Directive regulates this topic in the Netherlands. This law clearly states that merchants cannot charge a surcharge for payment with common payment methods. The goal is to create transparent prices and protect consumers. The AFM supervises compliance with these rules.

What should you watch out for?

Pay close attention during the payment process to see if any additional costs suddenly appear. Some webshops try to circumvent this by charging 'administration fees' or 'service fees'. Always check the final price before confirming the order. Save screenshots as evidence if you encounter unjustified costs.

Example from practice

Suppose you buy a laptop for €800 from an online store. When checking out, you see that an additional €5 'payment fee' is charged for iDEAL payment. This is not allowed according to the law. You can then contact the online store to have these costs waived. If they refuse, you can file a complaint with the AFM. Many online stores immediately withdraw the costs when you notify them.

What can you do?

If you encounter unjustified payment fees, take immediate action to protect your rights.