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XGD Europe

XGD Europe

Businesses expanding into Europe, including e-commerce sellers, trading companies and retail or hospitality merchants, that want local LU/DE/DK/NL IBAN accounts together with online and in-store card and wallet acceptance.

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
Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.) 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

2 unique to XGD Europe · 23 unique to Novalnet
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
0 features · 37 payment methods · 0 regions. We don't rank these — they're here for reference.
XGD Europe XGD Europe
Novalnet Novalnet
Quick Facts
Fees
Standard transaction rate
Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.)
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
Supports fastest T+1 settlement
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Founded
—
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Headquarters
—
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Sandbox / Test Mode
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Webhook Support
—
—
Features
Payment Methods
Novalnet leads (35 vs 14)
Ach Unique
—
✓
Alipay
✓
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Bizum Unique
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✓
Blik Unique
✓
—
Cartes Bancaires Unique
—
✓
Diners
✓
✓
Discover
✓
✓
Eps Unique
—
✓
Google Pay
✓
✓
Ideal
✓
✓
Installments Unique
—
✓
Invoice Unique
—
✓
Jcb
✓
✓
Kakaopay Unique
—
✓
Maestro Unique
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✓
Mastercard
✓
✓
Mb Way Unique
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✓
Multibanco Unique
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✓
Payment Link Unique
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✓
Paypal Unique
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✓
Poli Unique
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✓
Pos Unique
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✓
Postfinance Unique
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✓
Przelewy24 Unique
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✓
Samsung Pay Unique
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✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
✓
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Trustly Unique
—
✓
Twint Unique
—
✓
Unionpay
✓
✓
Visa
✓
✓
Wechat Pay
✓
✓
Wero Unique
—
✓
Regions

XGD Europe is best when you...

Businesses expanding into Europe, including e-commerce sellers, trading companies and retail or hospitality merchants, that want local LU/DE/DK/NL IBAN accounts together with online and in-store card and wallet acceptance.
View XGD Europe

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 XGD Europe and Novalnet?
They share 12 payment methods and 0 regions. XGD Europe adds BLIK, Sofort that Novalnet does not list; Novalnet adds ACH, Bancontact, Bank Transfer and 20 more that XGD Europe does not list.
Which is cheaper, XGD Europe or Novalnet?
XGD Europe has published rates from Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.); 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 XGD Europe and Novalnet?
XGD Europe lists 0 regions and 14 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 XGD Europe and Novalnet compare on integration and settlement?
XGD Europe publishes a settlement time of Supports fastest T+1 settlement.

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