Retail Merchant Account

Best Solutions For Your Retail Business. Price and service with the most understanding for you.

Point-of-Sale (POS)
Mobile Point-of-Sale (mPOS)


Different Currencies


Acquiring Solutions


Transparent Fees (IC++ Model)


Local Payment Methods

Pricing / Fees

Fees will be affected by various factors like processing history, method of sales, countries, sales volume and products. Hence, fees for every merchant will be unique. However, terms will remain same for most. Below is a list of fees involved.

Merchant Discount Rate

From 0.90%

Transaction Fee

0.10 EUR

Monthly Gateway Fee

From 10 EUR

Chargeback Fee

From 25 EUR

Refund Fee

0.30 EUR

Rolling Reserve



Fasto is your best choice for retail business payment acceptance.

Fasto provides the best support and always ready to help.

We understand your needs and business like no other and we will work above and beyond for you, and to get you the best terms. And we have the solutions you need.


Fasto offers payment processing in Europe, therefore the merchant has to have a European company plus fulfill requirements for documents and website compliance for the application process.

Your merchant account will be categorized as 5812 MCC, which will help the payment processor(s) identify the transactions and implement the laws.

Throughout the entire contract duration, you have to keep track on the EU consumer law and serve customers country-wise correspondingly. And 3D secure is required for all transactions.


Fast & Simple

24/7 Support

Secure & Safe

Our Services

One-stop-shop for your retail business. Bespoke solutions for comfortable payment acceptance.

Payment Management

We take care of your payment processing while you focus on business growth. Stay connected and safe.

Personal Dashboard

One place to monitor and analyze your daily transactions - helping you to keep track of your business everyday.

Local Payment Methods

Accept cardless payment using multiple channels and currencies - delivering choices to your customers.

Business Tracking

Monthly reports to keep track of your business - keep check on business fall outs and growth.

Credit & Debit Card

Wide rage of cards acceptance covering all the popular card schemes worldwide, so you can sell without a worry.

Payment Gateway

One secure platform for all your payment services. And let us worry about integration and payment page.

Chargeback Prevention

Taking care of chargeback alerts, disputes and fraud - more revenue and less headache for you.

Crypto Payment Gateway

Accept cryptocurrecy payments from your customers - another solution to benefit your business.

Shopping Cart

Covering range of shopping carts from Shopify to Limelight - helping your business to attract more customers.

Retail Merchant Acquiring

One of the first things needed for you as a merchant is to obtain a retail merchant account, in order to invoice your customers and accept payments. This merchant account, generally known as Merchant ID, can be obtained locally or from foreign payments acquirer.

Different things like pricing and terms will vary depending on whether your business is a start-up or comes with payment processing history. When it comes to your business being a start-up, a risk mitigating rolling reserve of usually 10% will apply and comes with inconvenient payment terms. But we try to stay competitive and help you get started at the cheapest costs and easiest terms possible.

Retail Merchant Solutions

Credit card solutions is the first preference for retailers, especially online, in order to serve a broad range of market. Popular demand is for VISA and MasterCard, while more can be arranged for, depending on the market.

Demand for Local and Alternative Payment Methods is rising with growth expectancy of more than 1000%+ over the next five years. Depending on the markets, some of the noteworthy ones are SoFort, Crypto, Klarna, SEPA, iDeal, Bancontact and more.

More solutions at checkout means higher conversion rate, and returning customers to spend more in your store.

Retail Merchant Risks

Online retail industry is deemed high-risk by payment processors due to chargeback risks for late delivery, etc. and fraud risks associated with online selling. However, we have solutions in place to help battle some of the risks such as chargback alerts and fraud prevention tool.

Last yet not the least, we offer one-click checkout to improve customer experience and conversion rate for your retail business, as customers will not require to add card information multiple times.

You can read more about it here.

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