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PayJunction

PayJunction

Paperless Payments

VS

Concardis (Nets)

German Merchant Acquiring

Concardis (Nets)
Fees from
Interchange + 1.49% + $0.15 vs Custom
Features

0 shared

1 unique to PayJunction · 1 unique to Concardis (Nets)
Regions

0 shared

1 unique to PayJunction · 1 unique to Concardis (Nets)
Pay methods

1 shared

3 unique to PayJunction · 7 unique to Concardis (Nets)
On payment methods

Concardis (Nets) supports 8 payment methods, 4 more than PayJunction. Verify directly with each provider before signing.

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Show full specs
2 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
PayJunction PayJunction
Concardis (Nets) Concardis (Nets)
Quick Facts
Fees
Standard transaction rate
Interchange + 1.49% + $0.15
Custom
Settlement
Time to receive funds
1–2 business days
—
Founded
2000
2009
Headquarters
Santa Barbara, California
Eschborn, Germany
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Enterprise Unique
—
✓
Low Fees Unique
✓
—
Payment Methods
Concardis (Nets) leads (8 vs 4)
Ach Unique
✓
—
Amex Unique
—
✓
Apple Pay Unique
—
✓
Contactless
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Giropay Unique
—
✓
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Sepa Unique
—
✓
Visa Unique
—
✓
Regions
Europe Unique
—
✓
North America Unique
✓
—

PayJunction is best when you...

Paperless Payments
Need Low Fees
Not available with Concardis (Nets)
Want coverage in North America
Concardis (Nets) doesn't cover this region
View PayJunction

Concardis (Nets) is best when you...

German Merchant Acquiring
Need Enterprise
Not available with PayJunction
Want coverage in Europe
PayJunction doesn't cover this region
View Concardis (Nets)

Frequently Asked Questions

What is the difference between PayJunction and Concardis (Nets)?
They share 1 payment method and 0 regions. PayJunction adds ACH, Credit Card, Debit Card that Concardis (Nets) does not list; Concardis (Nets) adds Amex, Apple Pay, Giropay and 4 more that PayJunction does not list; PayJunction also covers North America; Concardis (Nets) also covers Europe.
Which is cheaper, PayJunction or Concardis (Nets)?
PayJunction has published rates from Interchange + 1.49% + $0.15; Concardis (Nets) 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 PayJunction and Concardis (Nets)?
PayJunction lists 1 region and 4 payment methods; Concardis (Nets) lists 1 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayJunction and Concardis (Nets) compare on integration and settlement?
PayJunction offers a sandbox, Concardis (Nets) does not list one; PayJunction supports webhooks; PayJunction publishes a settlement time of 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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