Online Payment Platform vs Novalnet — Lowest fees

Online Payment Platform

Marketplaces and platforms that need to onboard merchants and split, hold (escrow) and pay out funds between buyers and sellers.

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.

Fees from

Standard: Pay-in starts from €0,25; Pay-out free; Onboarding free. iDEAL Wero €0,25; American Express €0,10 + 0,20% + AMEX fee; Mastercard / VISA / Apple Pay / Google Pay / Carte Bancaire €0,15 + IC++ + 0,60%; Pay by Bank €0,35 depending on region; Bancontact €0,35; PayPal €0,18 + 0,20% + PayPal fee; Open Banking €0,10 + 0,20% + fee; SEPA €0,30; SEPA Direct Debit €0,30; Klarna on request. Onboarding: merchant creation free; business €5 (depending on entity type); consumer €0,60. Custom pricing available on request. vs 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.

Features

0 shared

Regions

0 shared

Pay methods

11 shared

5 unique to Online Payment Platform · 24 unique to Novalnet

On fees

Online Payment Platform publishes Standard: Pay-in starts from €0,25; Pay-out free; Onboarding free. iDEAL Wero €0,25; American Express €0,10 + 0,20% + AMEX fee; Mastercard / VISA / Apple Pay / Google Pay / Carte Bancaire €0,15 + IC++ + 0,60%; Pay by Bank €0,35 depending on region; Bancontact €0,35; PayPal €0,18 + 0,20% + PayPal fee; Open Banking €0,10 + 0,20% + fee; SEPA €0,30; SEPA Direct Debit €0,30; Klarna on request. Onboarding: merchant creation free; business €5 (depending on entity type); consumer €0,60. Custom pricing available on request. from. 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. Verify directly with each provider before signing.

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Show full specs

0 features · 40 payment methods · 0 regions. We don't rank these — they're here for reference.

Online Payment Platform

Novalnet

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.

Settlement

Time to receive funds

—

Founded

—

Headquarters

—

Sandbox / Test Mode

—

Webhook Support

—

Features

Payment Methods

Novalnet leads (35 vs 16)

Ach Unique

—

✓

Alipay Unique

—

✓

Amex

✓

Apple Pay

✓

Bancontact

✓

Bank Transfer Unique

—

✓

Bizum Unique

—

✓

Cartes Bancaires

✓

Diners Unique

—

✓

Discover Unique

—

✓

Eps Unique

—

✓

Escrow Unique

✓

—

Google Pay

✓

Ideal

✓

Installments Unique

—

✓

Invoice Unique

—

✓

Jcb Unique

—

✓

Kakaopay Unique

—

✓

Klarna Unique

✓

—

Maestro Unique

—

✓

Mastercard

✓

Mb Way Unique

—

✓

Multibanco Unique

—

✓

Open Banking Unique

✓

—

Payment Link

✓

Paypal

✓

Poli Unique

—

✓

Pos Unique

—

✓

Postfinance Unique

—

✓

Przelewy24 Unique

—

✓

Samsung Pay Unique

—

✓

Sepa Unique

✓

—

Sepa Direct Debit

✓

Trustly Unique

—

✓

Twint Unique

—

✓

Unionpay Unique

—

✓

Virtual Account Unique

✓

—

Visa

✓

Wechat Pay Unique

—

✓

Wero Unique

—

✓

Regions

Online Payment Platform is best when you...

Marketplaces and platforms that need to onboard merchants and split, hold (escrow) and pay out funds between buyers and sellers.

View Online Payment Platform

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

Frequently Asked Questions

What is the difference between Online Payment Platform and Novalnet?

They share 11 payment methods and 0 regions. Online Payment Platform adds Escrow, Klarna, Open Banking and 2 more that Novalnet does not list; Novalnet adds ACH, Alipay, Bank Transfer and 21 more that Online Payment Platform does not list.

Which is cheaper, Online Payment Platform or Novalnet?

Online Payment Platform has published rates from Standard: Pay-in starts from €0,25; Pay-out free; Onboarding free. iDEAL Wero €0,25; American Express €0,10 + 0,20% + AMEX fee; Mastercard / VISA / Apple Pay / Google Pay / Carte Bancaire €0,15 + IC++ + 0,60%; Pay by Bank €0,35 depending on region; Bancontact €0,35; PayPal €0,18 + 0,20% + PayPal fee; Open Banking €0,10 + 0,20% + fee; SEPA €0,30; SEPA Direct Debit €0,30; Klarna on request. Onboarding: merchant creation free; business €5 (depending on entity type); consumer €0,60. Custom pricing available on request.; 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.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.

Where can I use Online Payment Platform and Novalnet?

Online Payment Platform lists 0 regions and 16 payment methods; Novalnet lists 0 and 35. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

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