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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

Billwerk+

European Subscription Billing

Billwerk+
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

2 unique to Billwerk+
Regions

0 shared

1 unique to Billwerk+
Pay methods

9 shared

26 unique to Novalnet · 4 unique to Billwerk+
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 39 payment methods · 1 regions. We don't rank these — they're here for reference.
Novalnet Novalnet
Billwerk+ Billwerk+
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
—
—
Founded
—
2011
Headquarters
—
Frankfurt, Germany
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Billwerk+ leads (2 vs 0)
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Novalnet leads (35 vs 13)
Ach Unique
✓
—
Alipay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Bizum Unique
✓
—
Bnpl Unique
—
✓
Cartes Bancaires Unique
✓
—
Credit Card 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
✓
—
Multibanco Unique
✓
—
Payment Link Unique
✓
—
Paypal
✓
✓
Poli Unique
✓
—
Pos Unique
✓
—
Postfinance Unique
✓
—
Przelewy24 Unique
✓
—
Samsung Pay Unique
✓
—
Sepa Unique
—
✓
Sepa Direct Debit Unique
✓
—
Trustly Unique
✓
—
Twint Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Wechat Pay
✓
✓
Wero Unique
✓
—
Regions
Billwerk+ leads (1 vs 0)
Europe 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

Billwerk+ is best when you...

European Subscription Billing
Need Recurring Payments
Not available with Novalnet
Need Startup Friendly
Not available with Novalnet
Want coverage in Europe
Novalnet doesn't cover this region
View Billwerk+

Frequently Asked Questions

What is the difference between Novalnet and Billwerk+?
They share 9 payment methods and 0 regions. Novalnet adds ACH, Alipay, Bancontact and 23 more that Billwerk+ does not list; Billwerk+ adds Buy Now Pay Later, Credit Card, Klarna and 1 more that Novalnet does not list; Billwerk+ also covers Europe; only Billwerk+ offers Recurring Payments, Startup Friendly.
Which is cheaper, Novalnet or Billwerk+?
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.; Billwerk+ 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 Billwerk+?
Novalnet lists 0 regions and 35 payment methods; Billwerk+ lists 1 and 13. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Novalnet and Billwerk+ compare on integration and settlement?
Billwerk+ offers a sandbox, Novalnet does not list one; Billwerk+ supports webhooks.

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