VIALET

VIALET

E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.

VS

IXOPAY

White-Label Payment Orchestration

IXOPAY
Fees from
Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00). vs Custom
Features

0 shared

2 unique to IXOPAY
Regions

0 shared

3 unique to IXOPAY
Pay methods

1 shared

5 unique to VIALET · 9 unique to IXOPAY
On fees

VIALET publishes Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00). from. IXOPAY uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
2 features · 15 payment methods · 3 regions. We don't rank these — they're here for reference.
VIALET VIALET
IXOPAY IXOPAY
Quick Facts
Fees
Standard transaction rate
Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).
Custom
Settlement
Time to receive funds
7 business days
1–3 business days
Founded
—
2014
Headquarters
—
Vienna, Austria
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
IXOPAY leads (2 vs 0)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Payment Methods
IXOPAY leads (10 vs 6)
Bank Transfer Unique
—
✓
Bnpl Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
✓
—
Open Banking
✓
✓
Paypal Unique
—
✓
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Venmo Unique
—
✓
Visa Unique
✓
—
Regions
IXOPAY leads (3 vs 0)
Asia Unique
—
✓
Europe Unique
—
✓
North America Unique
—
✓

VIALET is best when you...

E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.
View VIALET

IXOPAY is best when you...

White-Label Payment Orchestration
Need Crypto Support
Not available with VIALET
Need Enterprise
Not available with VIALET
Want coverage in Asia, Europe, North America
VIALET doesn't cover these regions
View IXOPAY

Frequently Asked Questions

What is the difference between VIALET and IXOPAY?
They share 1 payment method and 0 regions. VIALET adds Mastercard, SEPA, SEPA Instant and 2 more that IXOPAY does not list; IXOPAY adds Bank Transfer, Buy Now Pay Later, Credit Card and 6 more that VIALET does not list; IXOPAY also covers Asia, Europe and 1 more; only IXOPAY offers Crypto Support, Enterprise.
Which is cheaper, VIALET or IXOPAY?
VIALET has published rates from Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).; IXOPAY 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 VIALET and IXOPAY?
VIALET lists 0 regions and 6 payment methods; IXOPAY lists 3 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do VIALET and IXOPAY compare on integration and settlement?
IXOPAY offers a sandbox, VIALET does not list one; IXOPAY supports webhooks; VIALET settles in 7 business days, IXOPAY in 1–3 business days.

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