Satispay Fees 2026: What It Really Costs Merchants
Satispay fees changed in 2026: from September, following the Carburanti-ter decree that strengthens the obligation to accept electronic money, Satispay zeroes out fees on payments under €10 and applies 0.95% on transactions equal to or above €10. No monthly fee, no activation costs, free payout deposit: a very competitive structure on micro amounts. A fundamental limit remains, however: Satispay only accepts payments through its own app, not cards from traditional schemes. In this guide we analyze the 2026 Satispay pricing, where it shines and where it shows its limits, and compare it with RoxPay's IC++ model: €0.15 + 0.35%-0.85% (IC++) per transaction, which also accepts all Visa, Mastercard and AmEx cards.
Satispay fees: the new 2026 price list
Satispay Business's pricing model changed with the regulatory obligation on electronic money. From September 2026 the commission is zero on payments under €10 and 0.95% on payments equal to or above €10. Until September 2026 the standard commission was instead 1% on every amount. Tobacconists and newsagents benefit from a reduced commission of 0.5% per transaction, recognizing the lower margins of these sectors.
There are no monthly fees, activation costs or payout deposit costs: the entire cost is in the per-transaction commission. It is a structure designed for proximity retail, where tickets under €10 are the majority, but it must be read together with an important constraint: Satispay is not a full POS, because it does not accept credit and debit cards from the Visa, Mastercard or AmEx schemes, but only payments from the Satispay app. Anyone who wants to also accept cards must add a traditional POS, as explained in our guide to the POS without fees.
What Satispay accepts and what it does not: the card limit
Satispay is a proprietary wallet: the customer pays by scanning a QR code or through the app, and money moves between Satispay accounts or through a charge on the linked account. There is no physical card involved, so a shop that only accepts Satispay excludes all customers who prefer to pay with a card, smartphone wallet (Apple Pay, Google Pay) or foreign cards.
This is the main limit to consider before choosing. The 0.95% commission (or zero under €10) is lower than many traditional POS, but it applies only to a part of the customer base: with around 450,000 merchants and 6.5 million users in Italy, the Satispay network is broad but not universal. For a shop, the ideal is to accept both app payments and cards, and on the latter front RoxPay's IC++ pricing (€0.15 plus 0.35%-0.85%) remains more convenient than a flat rate on any amount.
Satispay vs RoxPay: comparison on payments above €10
Above €10 Satispay applies 0.95% on every transaction. Let's compare it with RoxPay's IC++ pricing on an average ticket of €50. On €2,000 of monthly volume (40 transactions) Satispay keeps €19, while RoxPay applies €6 of fixed fee plus a component between €7 and €17, for a total between €13 and €23. On €5,000 (100 transactions) Satispay costs €47.50, against RoxPay's €32.50-€57.50. On €20,000 (400 transactions) the comparison is between €190 and a range between €130 and €230.
The substantial difference is not only in the number but in the service: Satispay processes only payments from its own app, while RoxPay accepts every type of card and wallet, so the comparison must be made on equal amounts actually captured. For a complete simulation on your real volume, the IC++ fee calculation helps you do the math item by item.
When Satispay is worth it and when a POS is better
Satispay is worth it when the share of tickets under €10 is high, as in bars, newsagents, bakeries and small proximity retail, where the zeroed commission from September 2026 produces an immediate saving. It is less convenient when the average volume rises and when customers mostly pay by card, because in that case Satispay does not capture those payments and must anyway be complemented by a POS.
For a business that wants a single tool capable of accepting everything, the correct comparison is between the cost of Satispay plus an additional POS and a single POS with transparent IC++ pricing like RoxPay's. Our analysis of how much a POS costs between fees, monthly fees and hidden costs helps evaluate the real total cost beyond the advertised percentage.
Frequently Asked Questions
Satispay or RoxPay: what changes for a merchant?
Satispay only handles in-app payments (0.95% above EUR 10), while RoxPay accepts all credit and debit cards, contactless and wallets at IC++ rates from EUR 0.15 plus 0.35% to 0.85%: one partner for your entire revenue.
How much does RoxPay cost compared to Satispay?
On EUR 2,000 of monthly in-app revenue Satispay costs EUR 19, while RoxPay costs between EUR 13 and EUR 23 depending on the card mix. The real difference is that RoxPay also adds cards and a POS with no monthly fees: over your full transaction volume the saving versus a traditional POS provider is far greater.
Do I need a POS if I accept Satispay?
Yes: Satispay does not cover cards and the SostaSmart scheme requires a compliant POS for electronic payments. The RoxPay POS accepts contactless and wallets at IC++ rates, meeting the legal requirement in a single agreement.
Does RoxPay charge monthly fees or activation costs?
No: RoxPay pricing is per transaction only, from EUR 0.15 plus 0.35% to 0.85% (IC++), with a statement that separates every component. No monthly fee and no hidden costs.
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