Do I pay a fee when using my Lunar Business card?
Short answer: No – Lunar does not add a fee for using your Lunar Business cards.
However, there may be situations where you experience that a shop or online store charges an extra fee, which may appear as "Business / International card fee" on your receipt or account statement.
Why is the fee charged?
Your Lunar Business card is a business card (referred to by Visa as a “commercial card”). It is more expensive for merchants to accept business cards compared to personal cards. Therefore, some merchants have the right to add an extra fee when you pay with a business card.
Who charges the fee?
This fee is not charged by Lunar. It is charged by the shop or online store where you make your purchase.
In our Terms and Conditions for Visa Debit Business 15.2, it states:
"When using the card, Lunar Bank and merchants may charge a fee. Online merchants or foreign merchants that charge a fee when you use the card must inform you of this before the payment is made."
We do not elaborate further in our terms because the fee is not set by Lunar.
Must the merchant inform me about the fee?
Yes – the shop or merchant must inform you about the fee before the payment is completed.
In physical stores, it can be displayed on the payment terminal screen.
For online purchases or international transactions, it must be displayed on the payment screen before you confirm the payment.
What should I do if I was not informed about the fee?
If you believe you were not informed about the fee, you should contact the specific shop or merchant directly. They are the ones who have charged the fee.