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Xoldy

Xoldy

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.

VS

Hobex

Austrian payments

Hobex
Fees from
Custom vs 1.9-2.5%
Features

0 shared

1 unique to Hobex
Regions

0 shared

1 unique to Hobex
Pay methods

3 shared

7 unique to Xoldy · 4 unique to Hobex
On licensing

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Show full specs
1 features · 14 payment methods · 1 regions. We don't rank these — they're here for reference.
Xoldy Xoldy
Hobex Hobex
Quick Facts
Fees
Standard transaction rate
Custom
1.9-2.5%
Settlement
Time to receive funds
—
2–3 business days
Founded
—
1991
Headquarters
—
Salzburg, Austria
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Hobex leads (1 vs 0)
Enterprise Unique
—
✓
Payment Methods
Xoldy leads (10 vs 7)
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bill Payment Unique
✓
—
Contactless Unique
—
✓
Debit Card Unique
✓
—
Maestro
✓
✓
Mastercard
✓
✓
Nfc Unique
—
✓
Pagobancomat Unique
✓
—
Payment Link Unique
✓
—
Sepa Unique
✓
—
Sepa Direct Debit Unique
✓
—
Sepa Instant Unique
✓
—
Visa
✓
✓
Regions
Hobex leads (1 vs 0)
Europe Unique
—
✓

Xoldy is best when you...

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.
View Xoldy

Hobex is best when you...

Austrian payments
Need Enterprise
Not available with Xoldy
Want coverage in Europe
Xoldy doesn't cover this region
View Hobex

Frequently Asked Questions

What is the difference between Xoldy and Hobex?
They share 3 payment methods and 0 regions. Xoldy adds Bill Payment, Debit Card, PagoBANCOMAT and 4 more that Hobex does not list; Hobex adds Amex, Apple Pay, Contactless and 1 more that Xoldy does not list; Hobex also covers Europe; only Hobex offers Enterprise.
Which is cheaper, Xoldy or Hobex?
Xoldy has custom pricing quoted on engagement; Hobex has published rates from 1.9-2.5%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Xoldy and Hobex?
Xoldy lists 0 regions and 10 payment methods; Hobex lists 1 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Xoldy and Hobex compare on integration and settlement?
Hobex offers a sandbox, Xoldy does not list one; Hobex supports webhooks; Hobex publishes a settlement time of 2–3 business days.

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