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Novalnet

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.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
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. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

11 shared

24 unique to Novalnet · 8 unique to A-Pay
On payment methods

Novalnet supports 35 payment methods, 16 more than A-Pay. Verify directly with each provider before signing.

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Show full specs
5 features · 43 payment methods · 6 regions. We don't rank these — they're here for reference.
Novalnet Novalnet
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
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.
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Novalnet leads (35 vs 19)
Ach
✓
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Bizum Unique
✓
—
Cartes Bancaires Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Eps Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Installments Unique
✓
—
Invoice Unique
✓
—
Jcb Unique
✓
—
Kakaopay Unique
✓
—
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Money Unique
—
✓
Multibanco Unique
✓
—
Payment Link Unique
✓
—
Paypal
✓
✓
Pix Unique
—
✓
Poli Unique
✓
—
Pos Unique
✓
—
Postfinance Unique
✓
—
Przelewy24 Unique
✓
—
Samsung Pay Unique
✓
—
Sepa Unique
—
✓
Sepa Direct Debit Unique
✓
—
Sofort Unique
—
✓
Trustly Unique
✓
—
Twint Unique
✓
—
Unionpay Unique
✓
—
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay
✓
✓
Wero Unique
✓
—
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Novalnet is best when you...

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.
View Novalnet

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Novalnet
Need High Risk Accepted
Not available with Novalnet
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Novalnet doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Novalnet and A-Pay?
They share 11 payment methods and 0 regions. Novalnet adds Bancontact, Bizum, Cartes Bancaires and 21 more that A-Pay does not list; A-Pay adds Credit Card, Crypto, Klarna and 5 more that Novalnet does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Novalnet or A-Pay?
Novalnet has published rates from 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.; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Novalnet and A-Pay?
Novalnet lists 0 regions and 35 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Novalnet and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Novalnet does not list one; A-Pay supports webhooks; A-Pay publishes a settlement time of 1–2 business days.

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