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PayXpert

PayXpert

Enterprise White-Label Payments

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
Custom 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

3 unique to PayXpert
Regions

0 shared

3 unique to PayXpert
Pay methods

6 shared

4 unique to PayXpert · 29 unique to Novalnet
On fees

PayXpert uses custom pricing, quoted on engagement. 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
3 features · 39 payment methods · 3 regions. We don't rank these — they're here for reference.
PayXpert PayXpert
Novalnet Novalnet
Quick Facts
Fees
Standard transaction rate
Custom
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
2009
—
Headquarters
Paris, France
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
PayXpert leads (3 vs 0)
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods
Novalnet leads (35 vs 10)
Ach Unique
—
✓
Alipay
✓
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Bizum Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
—
✓
Direct Debit Unique
✓
—
Discover Unique
—
✓
Eps Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Installments Unique
—
✓
Invoice Unique
—
✓
Jcb Unique
—
✓
Kakaopay Unique
—
✓
Maestro Unique
—
✓
Mastercard Unique
—
✓
Mb Way Unique
—
✓
Multibanco Unique
—
✓
Payment Link Unique
—
✓
Paypal Unique
—
✓
Poli Unique
—
✓
Pos Unique
—
✓
Postfinance Unique
—
✓
Przelewy24 Unique
—
✓
Samsung Pay
✓
✓
Sepa Direct Debit Unique
—
✓
Trustly Unique
—
✓
Twint Unique
—
✓
Unionpay Unique
—
✓
Upi Unique
✓
—
Visa Unique
—
✓
Wechat Pay
✓
✓
Wero Unique
—
✓
Regions
PayXpert leads (3 vs 0)
Asia Unique
✓
—
Europe Unique
✓
—
North America Unique
✓
—

PayXpert is best when you...

Enterprise White-Label Payments
Need Enterprise
Not available with Novalnet
Need Instant Payout
Not available with Novalnet
Want coverage in Asia, Europe, North America
Novalnet doesn't cover these regions
View PayXpert

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 PayXpert and Novalnet?
They share 6 payment methods and 0 regions. PayXpert adds Credit Card, Debit Card, Direct Debit and 1 more that Novalnet does not list; Novalnet adds ACH, Amex, Bancontact and 26 more that PayXpert does not list; PayXpert also covers Asia, Europe and 1 more; only PayXpert offers Enterprise, Instant Payout and 1 more.
Which is cheaper, PayXpert or Novalnet?
PayXpert has custom pricing quoted on engagement; 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 PayXpert and Novalnet?
PayXpert lists 3 regions and 10 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.
How do PayXpert and Novalnet compare on integration and settlement?
PayXpert offers a sandbox, Novalnet does not list one; PayXpert supports webhooks.

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