European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.

traditional +1

Fees

Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.

Settlement

Your customers pay later and you receive the full amount immediately.

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Mastercard Send

Real-Time Disbursements to Mastercards

Pay.com

Modern Online Payment Gateway

Recurly

Subscription Billing

Via gateway (Stripe, Braintree, etc.)

Chargebee

Subscription Management

Tipalti

Automated AP/AR

Varies by payment method and corridor

Trolley

Creator & Marketplace Payouts

traditional

Fees

From $0.25 per payout

Realex Payments

Irish e-commerce

C2FO

Supply Chain Working Capital

Openpay

Mexican e-commerce

MoneyGram

Global P2P Money Transfer

PayXpert

Enterprise White-Label Payments

Scalapay

European BNPL

SIX Payment Services

Swiss banking

CM.com

Conversational Commerce Payments

Thunes

Cross-Border Remittances

Deutsche Bank

Digiteal

Businesses, institutions and software providers that want to collect payments through invoices (QR codes), email payment buttons, e-commerce plugins, apps or in-store QR codes, with optional Peppol e-invoicing and open banking.

traditional +1

Fees

Payment: Setup fee for Integrator account: €365* excl. VAT (*One-time integration fee, regardless of the product). Pay-as-you-go pricing: only for successful payments. No subscription: you receive a standard supplier invoice (gross amounts are transferred; no commission deducted at source). Maximum fee per payment method: Bancontact (Belgium) 0,29 €; Visa Consumer (Europe) 0,22 € + 1,2 %; Visa Business or non EU (World) 0,22 € + 2,5 %; Mastercard Consumer (Europe) 0,22 € + 1,2 %; Mastercard Business or non EU (World) 0,22 € + 2,5 %; Apple Pay / Google Pay: depending on card; Sepa Direct Debit (SDD) (Europe) 0,20 €; Account to Account (PIS) (Europe) 0,25 €. Peppol: Annual package: €295 excl. VAT (up to 2,400 documents/year). Open Banking: Access to bank transactions: max. €0.30 / connected bank account; Account-to-Account payments: max. €0.20 / transaction. Verification of Payee: Pay-as-you-go pricing: max. €0.50 / verification.

Settlement

Varies

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