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
Checkout.com
Global Performance
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 2.3-2.9% + $0.30 (typical)
Features
0 shared
4 unique to Checkout.com
Regions
0 shared
8 unique to Checkout.com
Pay methods
23 shared
12 unique to Novalnet · 12 unique to Checkout.com
On licensing
Not enough published data on licensing for a fair verdict — open the full specs below for reference.
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Show full specs 4 features · 47 payment methods · 8 regions. We
don't rank these — they're here for reference.
Show full specs
4 features · 47 payment methods · 8 regions. We
don't rank these — they're here for reference.
Novalnet Checkout.comQuick 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.
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
—
1–3 business days
Founded
—
2012
Headquarters
—
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features Checkout.com leads (4 vs 0)
Checkout.com leads (4 vs 0)Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Ach
✓
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact
✓
✓
Bank Transfer Unique
✓
—
Bizum Unique
✓
—
Cartes Bancaires
✓
✓
Dana Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Eps
✓
✓
Gcash Unique
—
✓
Google Pay
✓
✓
Ideal
✓
✓
Installments Unique
✓
—
Invoice Unique
✓
—
Jcb
✓
✓
Kakaopay
✓
✓
Klarna Unique
—
✓
Knet Unique
—
✓
Mada Unique
—
✓
Maestro
✓
✓
Mastercard
✓
✓
Mb Way
✓
✓
Mobile Wallet Unique
—
✓
Mobilepay Unique
—
✓
Multibanco
✓
✓
Payment Link Unique
✓
—
Paynow Unique
—
✓
Paypal
✓
✓
Poli Unique
✓
—
Pos Unique
✓
—
Postfinance Unique
✓
—
Przelewy24
✓
✓
Samsung Pay Unique
✓
—
Sepa Direct Debit
✓
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
✓
—
Twint
✓
✓
Unionpay Unique
✓
—
Venmo Unique
—
✓
Vipps Unique
—
✓
Visa
✓
✓
Wechat Pay
✓
✓
Wero Unique
✓
—
Regions Checkout.com leads (8 vs 0)
Checkout.com 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.
Checkout.com is best when you...
Global Performance
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
Frequently Asked Questions
What is the difference between Novalnet and Checkout.com?
They share 23 payment methods and 0 regions. Novalnet adds Bank Transfer, Bizum, Installments and 9 more that Checkout.com does not list; Checkout.com adds DANA, GCash, Klarna and 9 more that Novalnet does not list; Checkout.com also covers Africa, Asia and 6 more; only Checkout.com offers Enterprise, Instant Payout and 2 more.
Which is cheaper, Novalnet or Checkout.com?
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.; Checkout.com has published rates from 2.3-2.9% + $0.30 (typical). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Novalnet and Checkout.com?
Novalnet lists 0 regions and 35 payment methods; Checkout.com lists 8 and 35. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Novalnet and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, Novalnet does not list one; Checkout.com supports webhooks; Checkout.com publishes a settlement time of 1–3 business days.
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