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Stripe

Stripe

SaaS & Developers

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
1.5%–3.15% + 1.8 SEK 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

6 unique to Stripe
Regions

0 shared

7 unique to Stripe
Pay methods

12 shared

8 unique to Stripe · 23 unique to Novalnet
On fees

Stripe publishes 1.5%–3.15% + 1.8 SEK 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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6 features · 43 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Novalnet Novalnet
Quick Facts
Fees
Standard transaction rate
1.5%–3.15% + 1.8 SEK
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
2–4 business days
—
Founded
2010
—
Headquarters
South San Francisco, California
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Stripe leads (6 vs 0)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Novalnet leads (35 vs 20)
Ach
✓
✓
Affirm Unique
✓
—
Afterpay Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Bizum Unique
—
✓
Cartes Bancaires Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners
✓
✓
Discover
✓
✓
Eps Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Installments Unique
—
✓
Invoice Unique
—
✓
Jcb
✓
✓
Kakaopay Unique
—
✓
Klarna Unique
✓
—
Maestro Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Multibanco Unique
—
✓
Payment Link Unique
—
✓
Paypal
✓
✓
Poli Unique
—
✓
Pos Unique
—
✓
Postfinance Unique
—
✓
Przelewy24 Unique
—
✓
Samsung Pay Unique
—
✓
Sepa Unique
✓
—
Sepa Direct Debit Unique
—
✓
Stablecoin Unique
✓
—
Trustly Unique
—
✓
Twint Unique
—
✓
Unionpay
✓
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Wero Unique
—
✓
Regions
Stripe leads (7 vs 0)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Novalnet
Need Enterprise
Not available with Novalnet
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania
Novalnet doesn't cover these regions
View Stripe

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 Stripe and Novalnet?
They share 12 payment methods and 0 regions. Stripe adds Affirm, Afterpay, Contactless and 5 more that Novalnet does not list; Novalnet adds Alipay, Bancontact, Bizum and 20 more that Stripe does not list; Stripe also covers Africa, Asia and 5 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Stripe or Novalnet?
Stripe has published rates from 1.5%–3.15% + 1.8 SEK; 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 Stripe and Novalnet?
Stripe lists 7 regions and 20 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 Stripe and Novalnet compare on integration and settlement?
Stripe offers a sandbox, Novalnet does not list one; Stripe supports webhooks; Stripe publishes a settlement time of 2–4 business days.

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