Small and mid-sized German businesses that already bank with a cooperative bank and want card terminals, mobile card acceptance (taxis, market stalls, food trucks, tradespeople) or online-shop payments.

traditional

Fees

Custom

Settlement

Varies

View provider

Travelex

Novalnet

European online and omnichannel merchants that want cards, local methods and guaranteed invoice or SEPA Direct Debit on one contract, along with subscription billing and receivables management.

traditional

Fees

Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.

Settlement

Varies

View provider

ING

VR Payment

German retailers, small shops, mobile businesses and online shops, especially those banking with Volksbanken Raiffeisenbanken, that want card acceptance in-store, on the move or online.

VR PayMe: girocard-Zahlungen werden abhängig vom Vertrag in der Regel binnen ein bis zwei Werktagen auf Ihrem Konto gutgeschrieben. Kreditkartenzahlungen werden einmal wöchentlich ausgezahlt.

View provider