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.

View provider

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

Xoldy

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.