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YabandPay

YabandPay

European merchants, online and in-store, that want to accept local European payment methods and cards plus Chinese wallets such as WeChat Pay, Alipay+ and UnionPay from a single provider.

VS

Alma

European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.

Alma
Fees from
Netherlands schedule (varies by country): In-store – domestic debit cards €0.07 (or €0.06 with €90 minimum monthly fee incl. 1,500 transactions); domestic credit cards 1.30%; Visa/Mastercard within EEA 1.30%; outside EEA 2.20%; business cards 2.20%; unattended IC++ 1.50% + €0.15. Online – Visa/Mastercard consumer cards within EEA 1.20% + €0.20; outside EEA and business cards 3.20% + €0.25; UnionPay 2.80% + €0.25; Carte Bancaire 1.20% + €0.20; Apple Pay/Google Pay priced by card used; iDEAL €0.29; Bancontact €0.29. No monthly fees on standard pricing; pricing may vary depending on the MCC and business risk. vs Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.
Features

0 shared

Regions

0 shared

Pay methods

6 shared

17 unique to YabandPay · 3 unique to Alma
On fees

YabandPay publishes Netherlands schedule (varies by country): In-store – domestic debit cards €0.07 (or €0.06 with €90 minimum monthly fee incl. 1,500 transactions); domestic credit cards 1.30%; Visa/Mastercard within EEA 1.30%; outside EEA 2.20%; business cards 2.20%; unattended IC++ 1.50% + €0.15. Online – Visa/Mastercard consumer cards within EEA 1.20% + €0.20; outside EEA and business cards 3.20% + €0.25; UnionPay 2.80% + €0.25; Carte Bancaire 1.20% + €0.20; Apple Pay/Google Pay priced by card used; iDEAL €0.29; Bancontact €0.29. No monthly fees on standard pricing; pricing may vary depending on the MCC and business risk. from. Alma publishes Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes. from. Verify directly with each provider before signing.

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0 features · 26 payment methods · 0 regions. We don't rank these — they're here for reference.
YabandPay YabandPay
Alma Alma
Quick Facts
Fees
Standard transaction rate
Netherlands schedule (varies by country): In-store – domestic debit cards €0.07 (or €0.06 with €90 minimum monthly fee incl. 1,500 transactions); domestic credit cards 1.30%; Visa/Mastercard within EEA 1.30%; outside EEA 2.20%; business cards 2.20%; unattended IC++ 1.50% + €0.15. Online – Visa/Mastercard consumer cards within EEA 1.20% + €0.20; outside EEA and business cards 3.20% + €0.25; UnionPay 2.80% + €0.25; Carte Bancaire 1.20% + €0.20; Apple Pay/Google Pay priced by card used; iDEAL €0.29; Bancontact €0.29. No monthly fees on standard pricing; pricing may vary depending on the MCC and business risk.
Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.
Settlement
Time to receive funds
1 hours
Your customers pay later and you receive the full amount immediately.
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
YabandPay leads (23 vs 9)
Alipay Unique
✓
—
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bancontact
✓
✓
Bank Transfer Unique
✓
—
Bizum Unique
✓
—
Blik Unique
✓
—
Bnpl Unique
—
✓
Cartes Bancaires
✓
✓
Contactless Unique
✓
—
Debit Card Unique
✓
—
Eps Unique
✓
—
Google Pay Unique
✓
—
Ideal
✓
✓
Installments Unique
—
✓
Klarna Unique
✓
—
Maestro Unique
✓
—
Mastercard
✓
✓
Payconiq
✓
✓
Payment Link Unique
✓
—
Paypal Unique
✓
—
Qr Code Unique
✓
—
Trustly Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Wechat Pay Unique
✓
—
Regions

YabandPay is best when you...

European merchants, online and in-store, that want to accept local European payment methods and cards plus Chinese wallets such as WeChat Pay, Alipay+ and UnionPay from a single provider.
View YabandPay

Alma is best when you...

European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.
View Alma

Frequently Asked Questions

What is the difference between YabandPay and Alma?
They share 6 payment methods and 0 regions. YabandPay adds Alipay, Apple Pay, Bank Transfer and 14 more that Alma does not list; Alma adds Amex, Buy Now Pay Later, Installments that YabandPay does not list.
Which is cheaper, YabandPay or Alma?
YabandPay has published rates from Netherlands schedule (varies by country): In-store – domestic debit cards €0.07 (or €0.06 with €90 minimum monthly fee incl. 1,500 transactions); domestic credit cards 1.30%; Visa/Mastercard within EEA 1.30%; outside EEA 2.20%; business cards 2.20%; unattended IC++ 1.50% + €0.15. Online – Visa/Mastercard consumer cards within EEA 1.20% + €0.20; outside EEA and business cards 3.20% + €0.25; UnionPay 2.80% + €0.25; Carte Bancaire 1.20% + €0.20; Apple Pay/Google Pay priced by card used; iDEAL €0.29; Bancontact €0.29. No monthly fees on standard pricing; pricing may vary depending on the MCC and business risk.; Alma has published rates from Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use YabandPay and Alma?
YabandPay lists 0 regions and 23 payment methods; Alma lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do YabandPay and Alma compare on integration and settlement?
YabandPay settles in 1 hours, Alma in Your customers pay later and you receive the full amount immediately..

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