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Pay.nl

Pay.nl

Dutch Payment Service Provider

VS

Alma

European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.

Alma
Fees from
From €0.19 per transaction vs Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.
Features

0 shared

2 unique to Pay.nl
Regions

0 shared

1 unique to Pay.nl
Pay methods

5 shared

7 unique to Pay.nl · 4 unique to Alma
On region

Pay.nl covers 1 regions; Alma covers 0. Verify directly with each provider before signing.

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Show full specs
2 features · 16 payment methods · 1 regions. We don't rank these — they're here for reference.
Pay.nl Pay.nl
Alma Alma
Quick Facts
Fees
Standard transaction rate
From €0.19 per transaction
Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.
Settlement
Time to receive funds
—
Your customers pay later and you receive the full amount immediately.
Founded
2006
—
Headquarters
Spijkenisse, Netherlands
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Pay.nl leads (2 vs 0)
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Pay.nl leads (12 vs 9)
Amex
✓
✓
Apple Pay Unique
✓
—
Bancontact Unique
—
✓
Bank Transfer Unique
✓
—
Bnpl
✓
✓
Cartes Bancaires Unique
—
✓
Google Pay Unique
✓
—
Ideal
✓
✓
Installments Unique
—
✓
Klarna Unique
✓
—
Mastercard
✓
✓
Payconiq Unique
—
✓
Paypal Unique
✓
—
Sepa Unique
✓
—
Sofort Unique
✓
—
Visa
✓
✓
Regions
Pay.nl leads (1 vs 0)
Europe Unique
✓
—

Pay.nl is best when you...

Dutch Payment Service Provider
Need Low Fees
Not available with Alma
Need Startup Friendly
Not available with Alma
Want coverage in Europe
Alma doesn't cover this region
View Pay.nl

Alma is best when you...

European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.
View Alma

Frequently Asked Questions

What is the difference between Pay.nl and Alma?
They share 5 payment methods and 0 regions. Pay.nl adds Apple Pay, Bank Transfer, Google Pay and 4 more that Alma does not list; Alma adds Bancontact, Cartes Bancaires, Installments and 1 more that Pay.nl does not list; Pay.nl also covers Europe; only Pay.nl offers Low Fees, Startup Friendly.
Which is cheaper, Pay.nl or Alma?
Pay.nl has published rates from From €0.19 per transaction; Alma has published rates from Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Pay.nl and Alma?
Pay.nl lists 1 region and 12 payment methods; Alma lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pay.nl and Alma compare on integration and settlement?
Pay.nl offers a sandbox, Alma does not list one; Pay.nl supports webhooks; Alma publishes a settlement time of Your customers pay later and you receive the full amount immediately..

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