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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

Comgate

Czech and Slovak e-shops, stores and restaurants that want an online payment gateway and card terminals from a single provider.

Comgate
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 Start: 0 %, 6 months free – up to CZK 300,000 in payments, for merchants with their first card payments contract. Easy: 0,6 % (special offer for 3 months) – fee for 95% of the most common cards, no fixed transaction fees. Profi: 0,47 % + fixed fee (special offer for 3 months), pricing for the 95% most common card types. Custom: custom fees for merchants processing over CZK 3 million per month.
Features

0 shared

Regions

0 shared

Pay methods

8 shared

27 unique to Novalnet · 3 unique to Comgate
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. Comgate publishes Start: 0 %, 6 months free – up to CZK 300,000 in payments, for merchants with their first card payments contract. Easy: 0,6 % (special offer for 3 months) – fee for 95% of the most common cards, no fixed transaction fees. Profi: 0,47 % + fixed fee (special offer for 3 months), pricing for the 95% most common card types. Custom: custom fees for merchants processing over CZK 3 million per month. from. Verify directly with each provider before signing.

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0 features · 38 payment methods · 0 regions. We don't rank these — they're here for reference.
Novalnet Novalnet
Comgate Comgate
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.
Start: 0 %, 6 months free – up to CZK 300,000 in payments, for merchants with their first card payments contract. Easy: 0,6 % (special offer for 3 months) – fee for 95% of the most common cards, no fixed transaction fees. Profi: 0,47 % + fixed fee (special offer for 3 months), pricing for the 95% most common card types. Custom: custom fees for merchants processing over CZK 3 million per month.
Settlement
Time to receive funds
—
—
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Novalnet leads (35 vs 11)
Ach Unique
✓
—
Alipay Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Bizum Unique
✓
—
Cartes Bancaires Unique
✓
—
Debit Card Unique
—
✓
Diners Unique
✓
—
Discover Unique
✓
—
Eps Unique
✓
—
Garmin Pay Unique
—
✓
Google Pay
✓
✓
Ideal Unique
✓
—
Installments Unique
✓
—
Invoice Unique
✓
—
Jcb Unique
✓
—
Kakaopay Unique
✓
—
Maestro
✓
✓
Mastercard
✓
✓
Mb Way Unique
✓
—
Multibanco Unique
✓
—
Payment Link
✓
✓
Paypal
✓
✓
Poli Unique
✓
—
Pos Unique
✓
—
Postfinance Unique
✓
—
Przelewy24 Unique
✓
—
Qr Code Unique
—
✓
Samsung Pay Unique
✓
—
Sepa Direct Debit Unique
✓
—
Trustly Unique
✓
—
Twint Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
✓
—
Wero Unique
✓
—
Regions

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

Comgate is best when you...

Czech and Slovak e-shops, stores and restaurants that want an online payment gateway and card terminals from a single provider.
View Comgate

Frequently Asked Questions

What is the difference between Novalnet and Comgate?
They share 8 payment methods and 0 regions. Novalnet adds ACH, Alipay, Amex and 24 more that Comgate does not list; Comgate adds Debit Card, Garmin Pay, QR Code that Novalnet does not list.
Which is cheaper, Novalnet or Comgate?
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.; Comgate has published rates from Start: 0 %, 6 months free – up to CZK 300,000 in payments, for merchants with their first card payments contract. Easy: 0,6 % (special offer for 3 months) – fee for 95% of the most common cards, no fixed transaction fees. Profi: 0,47 % + fixed fee (special offer for 3 months), pricing for the 95% most common card types. Custom: custom fees for merchants processing over CZK 3 million per month.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Novalnet and Comgate?
Novalnet lists 0 regions and 35 payment methods; Comgate lists 0 and 11. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

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