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PaynoPain

PaynoPain

SMEs, ecommerce stores, hotels, restaurants, marketplaces, debt collection agencies and mobility businesses, mainly in Spain and Europe, that want online and in-person payments on one platform.

VS

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.

Novalnet
Fees from
— 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

12 shared

13 unique to PaynoPain · 23 unique to Novalnet

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0 features · 48 payment methods · 0 regions. We don't rank these — they're here for reference.
PaynoPain PaynoPain
Novalnet 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 25)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Bizum
✓
✓
Bnpl Unique
✓
—
Cartes Bancaires Unique
—
✓
Click To Pay Unique
✓
—
Contactless Unique
✓
—
Crypto Unique
✓
—
Diners Unique
—
✓
Discover Unique
—
✓
Eps Unique
—
✓
Giropay Unique
✓
—
Google Pay
✓
✓
Ideal
✓
✓
Installments Unique
—
✓
Invoice Unique
—
✓
Jcb Unique
—
✓
Kakaopay Unique
—
✓
Klarna Unique
✓
—
Maestro Unique
—
✓
Mastercard
✓
✓
Mb Way
✓
✓
Multibanco
✓
✓
Oxxo Unique
✓
—
Payment Link
✓
✓
Paypal
✓
✓
Pix Unique
✓
—
Poli Unique
—
✓
Pos Unique
—
✓
Postfinance Unique
—
✓
Przelewy24 Unique
—
✓
Pse Unique
✓
—
Qr Code Unique
✓
—
Safetypay Unique
✓
—
Samsung Pay Unique
—
✓
Sepa Direct Debit Unique
—
✓
Spei Unique
✓
—
Trustly Unique
—
✓
Twint Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Voucher Unique
✓
—
Wechat Pay Unique
—
✓
Wero Unique
—
✓
Regions

PaynoPain is best when you...

SMEs, ecommerce stores, hotels, restaurants, marketplaces, debt collection agencies and mobility businesses, mainly in Spain and Europe, that want online and in-person payments on one platform.
View PaynoPain

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 PaynoPain and Novalnet?
They share 12 payment methods and 0 regions. PaynoPain adds Buy Now Pay Later, Click to Pay, Contactless and 10 more that Novalnet does not list; Novalnet adds ACH, Alipay, Bancontact and 20 more that PaynoPain does not list.
Which is cheaper, PaynoPain or Novalnet?
PaynoPain has no published rate; 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 PaynoPain and Novalnet?
PaynoPain lists 0 regions and 25 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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