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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

Lusopay

Portuguese businesses (online stores, retail, hospitality, services, education and similar) that need to accept local methods such as MB WAY, Multibanco and Payshop alongside cards and PIX, online or via POS terminal.

Lusopay
Fees from
Custom vs Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€.
Features

0 shared

Regions

0 shared

Pay methods

3 shared

7 unique to Xoldy · 6 unique to Lusopay
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 · 16 payment methods · 0 regions. We don't rank these — they're here for reference.
Xoldy Xoldy
Lusopay Lusopay
Quick Facts
Fees
Standard transaction rate
Custom
Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€.
Settlement
Time to receive funds
—
—
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Xoldy leads (10 vs 9)
Apple Pay Unique
—
✓
Bill Payment Unique
✓
—
Debit Card Unique
✓
—
Direct Debit Unique
—
✓
Google Pay Unique
—
✓
Maestro
✓
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Multibanco Unique
—
✓
Pagobancomat Unique
✓
—
Payment Link Unique
✓
—
Pix Unique
—
✓
Sepa Unique
✓
—
Sepa Direct Debit Unique
✓
—
Sepa Instant Unique
✓
—
Visa
✓
✓
Regions

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

Lusopay is best when you...

Portuguese businesses (online stores, retail, hospitality, services, education and similar) that need to accept local methods such as MB WAY, Multibanco and Payshop alongside cards and PIX, online or via POS terminal.
View Lusopay

Frequently Asked Questions

What is the difference between Xoldy and Lusopay?
They share 3 payment methods and 0 regions. Xoldy adds Bill Payment, Debit Card, PagoBANCOMAT and 4 more that Lusopay does not list; Lusopay adds Apple Pay, Direct Debit, Google Pay and 3 more that Xoldy does not list.
Which is cheaper, Xoldy or Lusopay?
Xoldy has custom pricing quoted on engagement; Lusopay has published rates from Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Xoldy and Lusopay?
Xoldy lists 0 regions and 10 payment methods; Lusopay lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

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