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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

Adyen

Platforms & Marketplaces

Adyen
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 Interchange + + $0.3
Features

0 shared

3 unique to Adyen
Regions

0 shared

8 unique to Adyen
Pay methods

20 shared

15 unique to Novalnet · 17 unique to Adyen
On fees

Novalnet publishes 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. from. Adyen publishes Interchange + + $0.3 from. Verify directly with each provider before signing.

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3 features · 52 payment methods · 8 regions. We don't rank these — they're here for reference.
Novalnet Novalnet
Adyen Adyen
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.
Interchange + + $0.3
Settlement
Time to receive funds
—
1–3 business days
Founded
—
2006
Headquarters
—
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Adyen leads (3 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Adyen leads (37 vs 35)
Ach
✓
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact
✓
✓
Bank Transfer
✓
✓
Bizum Unique
✓
—
Blik Unique
—
✓
Boleto Unique
—
✓
Cartes Bancaires Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Eps Unique
✓
—
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal
✓
✓
Installments Unique
✓
—
Interac Unique
—
✓
Invoice Unique
✓
—
Jcb
✓
✓
Kakaopay Unique
✓
—
Klarna Unique
—
✓
Maestro
✓
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Mobile Payment Unique
—
✓
Multibanco
✓
✓
Payment Link Unique
✓
—
Paypal
✓
✓
Pix Unique
—
✓
Poli Unique
✓
—
Pos Unique
✓
—
Postfinance Unique
✓
—
Przelewy24 Unique
✓
—
Real Time Payments Unique
—
✓
Samsung Pay Unique
✓
—
Sepa Unique
—
✓
Sepa Direct Debit
✓
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly
✓
✓
Twint Unique
✓
—
Unionpay
✓
✓
Visa
✓
✓
Voucher Unique
—
✓
Wechat Pay
✓
✓
Wero Unique
✓
—
Regions
Adyen leads (8 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania 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

Adyen is best when you...

Platforms & Marketplaces
Need Enterprise
Not available with Novalnet
Need Instant Payout
Not available with Novalnet
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Novalnet doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between Novalnet and Adyen?
They share 20 payment methods and 0 regions. Novalnet adds Bizum, Cartes Bancaires, EPS and 12 more that Adyen does not list; Adyen adds Affirm, Afterpay, BLIK and 14 more that Novalnet does not list; Adyen also covers Africa, Asia and 6 more; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, Novalnet or Adyen?
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.; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Novalnet and Adyen?
Novalnet lists 0 regions and 35 payment methods; Adyen lists 8 and 37. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Novalnet and Adyen compare on integration and settlement?
Adyen offers a sandbox, Novalnet does not list one; Adyen supports webhooks; Adyen publishes a settlement time of 1–3 business days.

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