{"id":3500,"date":"2017-11-15T12:15:43","date_gmt":"2017-11-15T11:15:43","guid":{"rendered":"https:\/\/blog.gopay.com\/?p=3500"},"modified":"2019-11-20T13:48:40","modified_gmt":"2019-11-20T12:48:40","slug":"jak-vznika-cena-za-platbu-kartou","status":"publish","type":"post","link":"https:\/\/www.gopay.com\/blog\/jak-vznika-cena-za-platbu-kartou\/","title":{"rendered":"Jak vznik\u00e1 cena za platbu kartou?"},"content":{"rendered":"<p>Pro\u010d se mus\u00ed platit poplatky za platbu kartou?<\/p>\n<p>To je jist\u011b ot\u00e1zka, kter\u00e1 um\u00ed zah\u00fdbat leckter\u00fdm obchodn\u00edkem, kter\u00fd p\u0159ij\u00edm\u00e1 platby online.<\/p>\n<p>M\u00e1lokdo ale tu\u0161\u00ed, jak\u00e1 pravidla se kolem transak\u010dn\u00edch n\u00e1klad\u016f to\u010d\u00ed.<\/p>\n<p>Proto v\u00e1m chceme uk\u00e1zat, jak to s t\u011bmi poplatky chod\u00ed.<\/p>\n<p><!--more--><\/p>\n<p>Disclaimer: V n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku se v\u011bnujeme poplatkov\u00e9 politice, kter\u00e1 se vztahuje jen na platby kartou online (tedy na internetu). Na platby kartou v kamenn\u00fdch prodejn\u00e1ch se mohou vztahovat jin\u00e1 pravidla. Ostatn\u00ed platebn\u00ed metody do na\u0161\u00ed anal\u00fdzy nezahrnujeme.<\/p>\n<h1>Kdo se pod\u00edl\u00ed na zpracov\u00e1n\u00ed platby kartou online?<\/h1>\n<p>Typick\u00fd poplatek za transakci platebn\u00ed kartou si p\u0159edstavte jako \u0161\u0165avnat\u00fd kol\u00e1\u010d, do kter\u00e9ho se s chut\u00ed zakousne v\u00edce str\u00e1vn\u00edk\u016f.<\/p>\n<p>Do hry toti\u017e vstupuje n\u011bkolik hr\u00e1\u010d\u016f, kte\u0159\u00ed se na zpracov\u00e1n\u00ed platby pod\u00edl\u00ed.<\/p>\n<p>Jedn\u00e1 se nej\u010dast\u011bji o t\u011bchto 5 stran:<\/p>\n<ul>\n<li>kartov\u00e1 asociace (VISA, MasterCard)<\/li>\n<li>vydavatelsk\u00e1 banka (banka, kter\u00e1 vydala kartu z\u00e1kazn\u00edka)<\/li>\n<li>acquirer (finan\u010dn\u00ed instituce, kter\u00e1 je zaps\u00e1na do programu kartov\u00fdch asociac\u00ed a kter\u00e1 se tak\u00e9 pod\u00edl\u00ed na zpracov\u00e1n\u00ed transakce)<\/li>\n<li>z\u00fa\u010dtovac\u00ed centrum (prov\u00e1d\u00ed z\u00fa\u010dtov\u00e1n\u00ed transakc\u00ed pro acquirera)<\/li>\n<li>platebn\u00ed br\u00e1na<\/li>\n<\/ul>\n<p>Ka\u017ed\u00fd z t\u011bchto subjekt\u016f si ukrajuje pomysln\u00fd d\u00edl kol\u00e1\u010de.<\/p>\n<p>Aby n\u011bkter\u00fd nedo\u010dkavec nedostal v\u011bt\u0161\u00ed pod\u00edl kol\u00e1\u010de, ne\u017e na kter\u00fd m\u00e1 n\u00e1rok, existuj\u00ed pravidla, kter\u00e1 definuj\u00ed, jak velkou porci m\u016f\u017ee sn\u00edst.<\/p>\n<h1>Regulovan\u00fd trh<\/h1>\n<p>Velikost pod\u00edlu pro ka\u017ed\u00e9ho hr\u00e1\u010de se \u0159\u00edd\u00ed podle na\u0159\u00edzen\u00ed Evropsk\u00e9ho parlamentu a Rady EU 2015\/751 o mezibankovn\u00edch poplatc\u00edch za karetn\u00ed transakce. Regulace plat\u00ed pro strany p\u016fsob\u00edc\u00ed v r\u00e1mci Evropsk\u00e9ho hospod\u00e1\u0159sk\u00e9ho prostoru. Regulovan\u00e1 cena za platbu se d\u011bl\u00ed na 3 oblasti:<\/p>\n<ul>\n<li>mezibankovn\u00ed poplatek<\/li>\n<li>poplatek kartov\u00e9 asociaci<\/li>\n<li>ostatn\u00ed poplatky (acquirer, z\u00fa\u010dtovac\u00ed centrum, platebn\u00ed br\u00e1na, a dal\u0161\u00ed)<\/li>\n<\/ul>\n<h3>Co je mezibankovn\u00ed poplatek?<\/h3>\n<p>Mezibankovn\u00ed poplatek je provize bankovn\u00ed instituci, kter\u00e1 p\u0159\u00edslu\u0161nou platebn\u00ed kartu vydala. Jin\u00fdmi slovy je to poplatek bance, jej\u00ed\u017e kartu pou\u017e\u00edv\u00e1 z\u00e1kazn\u00edk, kdy\u017e chce na va\u0161em e-shopu zaplatit za zbo\u017e\u00ed.<\/p>\n<p>V r\u00e1mci Evropsk\u00e9ho hospod\u00e1\u0159sk\u00e9ho prostoru (EHP) je tento poplatek regulovan\u00fd a pohybuje se ve v\u00fd\u0161i 0,2 &#8211; 0,3 % u debetn\u00edch a kreditn\u00edch karet. U business karet se poplatek pohybuje ve v\u00fd\u0161i 1,6 %.<\/p>\n<h3>Co je poplatek kartov\u00e9 asociaci?<\/h3>\n<p>Je to provize karetn\u00ed spole\u010dnosti, kter\u00e1 platbu zpracuje. U karet vydan\u00fdch v EU dosahuje poplatek pro asociaci VISA v\u00fd\u0161e cca 0,1 %, u MasterCard v\u00fd\u0161e cca 0,2 %.<\/p>\n<h3>Co jsou ostatn\u00ed poplatky?<\/h3>\n<p>Zb\u00fdvaj\u00edc\u00ed poplatky se rozd\u011bl\u00ed mezi dal\u0161\u00ed instituce, kter\u00e9 se na zpracov\u00e1n\u00ed transakce pod\u00edlely.<\/p>\n<p>Acquirer mus\u00ed n\u011bco zaplatit kartov\u00e9 asociaci a dal\u0161\u00ed n\u00e1klady, nap\u0159. za slu\u017eby z\u00fa\u010dtovac\u00edho centra.<\/p>\n<p>Platebn\u00ed br\u00e1na mus\u00ed zaplatit z\u00fa\u010dtovac\u00edmu centru, za poskytnut\u00ed 3D Secure a d\u00e1le hrad\u00ed n\u00e1klady na provoz, v\u00fdvoj a zabezpe\u010den\u00ed platebn\u00ed br\u00e1ny.<\/p>\n<h1>Neregulovan\u00fd trh<\/h1>\n<p>Na karty vydan\u00e9 mimo Evropsk\u00fd hospod\u00e1\u0159sk\u00fd prostor se zm\u00edn\u011bn\u00e1 regulace nevztahuje. Re\u00e1ln\u00e9 n\u00e1klady za transakci jsou proto u nich v\u00fdrazn\u011b vy\u0161\u0161\u00ed. Nap\u0159\u00edklad mezibankovn\u00ed poplatek dosahuje u neregulovan\u00fdch karet a\u017e 1,65 % a poplatek karetn\u00ed asociaci 0,70 %.<\/p>\n<h2>Co d\u00e1le ovliv\u0148uje cenu poplatku za platbu kartou?<\/h2>\n<p>Aby to nebylo tak jednoduch\u00e9, krom\u011b toho zda je trh regulovan\u00fd, nebo nen\u00ed, z\u00e1le\u017e\u00ed je\u0161t\u011b na dal\u0161\u00edch faktorech, jako je typ karty.<\/p>\n<p>Jin\u00e9 poplatky se hrad\u00ed u debetn\u00edch karet, o n\u011bco vy\u0161\u0161\u00ed jsou pak u karet kreditn\u00edch.<\/p>\n<p>Zvl\u00e1\u0161tn\u00ed kapitolou jsou business karty, u kter\u00fdch jsou poplatky vy\u0161\u0161\u00ed ne\u017e u debetek a kreditek. Tak nap\u0159\u00edklad mezibankovn\u00ed poplatky u business karet dosahuj\u00ed 1,6 %. A to i v p\u0159\u00edpad\u011b Evropsk\u00e9ho hospod\u00e1\u0159sk\u00e9ho prostoru.<\/p>\n<p>V\u00fdsledn\u00e1 cena tedy v\u017edycky z\u00e1le\u017e\u00ed na ur\u010dit\u00e9 kombinaci v\u00fd\u0161e zm\u00edn\u011bn\u00fdch parametr\u016f. Rozhoduj\u00edc\u00ed je, zda se na platbu vztahuje regulace, jakou byla provedena kartou a jak\u00e1 asociace ji vydala.<\/p>\n<h1>Jak prezentujeme cenu v gopay<\/h1>\n<p>Obchodn\u00edk se u n\u00e1s m\u016f\u017ee setkat s dv\u011bma zp\u016fsoby prezentace poplatk\u016f.<\/p>\n<p>Prvn\u00ed formou je detailn\u00ed rozpad ceny na mezibankovn\u00ed poplatek, poplatek asociac\u00edm a ostatn\u00ed poplatky. To v\u0161e v rozpadu podle regulace, typu karty a jej\u00edho vydavatele.<\/p>\n<p>Druh\u00e1 forma je o n\u011bco m\u00e9n\u011b detailn\u011bj\u0161\u00ed, proto\u017ee ukazuje v\u00fdslednou cenu za transakci bez ohledu na uveden\u00fd rozpad.<\/p>\n<p>V ka\u017ed\u00e9m p\u0159\u00edpad\u011b si obchodn\u00edk m\u016f\u017ee vybrat, kterou skupinu karet nechce p\u0159ij\u00edmat, a tak si poplatky zjednodu\u0161it.<\/p>\n<p><!--more--><\/p>\n<h1>Z\u00e1v\u011br<\/h1>\n<p>Sv\u011bt platebn\u00edch transakc\u00ed je velmi pestr\u00fd.<\/p>\n<p>Zd\u00e1nliv\u011b ban\u00e1ln\u00ed v\u011bc jako platba kartou na internetu m\u00e1 spoustu h\u00e1\u010dk\u016f a jej\u00ed cesta je spletit\u00e1.<\/p>\n<p>Sou\u010dasn\u00e1 regulace zavedla hodn\u011b nov\u00e9ho, ale je kolem toho celkem velk\u00e1 motanice a ob\u010das nejasnosti. Na druhou stranu pom\u00e1h\u00e1 obchodn\u00edk\u016fm \u0161et\u0159it n\u00e1klady, co\u017e je jist\u011b pozitivn\u00ed zpr\u00e1va.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pro\u010d se mus\u00ed platit poplatky za platbu kartou? To je jist\u011b ot\u00e1zka, kter\u00e1 um\u00ed zah\u00fdbat leckter\u00fdm obchodn\u00edkem, kter\u00fd p\u0159ij\u00edm\u00e1 platby online. M\u00e1lokdo ale tu\u0161\u00ed, jak\u00e1 pravidla se kolem transak\u010dn\u00edch n\u00e1klad\u016f to\u010d\u00ed. Proto v\u00e1m chceme uk\u00e1zat, jak to s t\u011bmi poplatky chod\u00ed.<\/p>\n","protected":false},"author":8,"featured_media":3547,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"coauthors":[13],"class_list":["post-3500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuality-novinky-platebni-brana-gopay"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jak vznik\u00e1 cena za platbu kartou? | GoPay blog<\/title>\n<meta name=\"description\" content=\"Na \u010dem z\u00e1vis\u00ed cena za platbu kartou? Krom\u011b typu karty a jej\u00edho vydavatele hraje roli i kartov\u00e1 asociace nebo regulace trhu. 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