German Payment Providers

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.

1 hours

BENKER

Banks, platforms and established businesses that want EUR business IBAN accounts, card/wallet/Open Banking acceptance, or a white-label banking product built on BENKER's infrastructure.

baas +2

Business accounts: Lite €10/mo (SEPA in €0.10, out €0.30); Plus €50/mo (in €0.20, out €0.50); Max €150/mo (min 0.15% per transfer or custom); internal transfers free. Card acquiring rates not published

Varies

Worldline

European enterprise

eMerchantBroker

High-Risk Merchant Accounts

high risk

From 3.00% per transaction

Narvi

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.

baas +3

Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.

Instant to 24 business days

Fresha

Salon and spa businesses

traditional

No subscription fee, 2.19%+$0.20 per payment

CentralPay

French and European e-commerce businesses, SaaS/subscription companies, invoice-collecting firms and marketplaces that want cards, instant transfers, Pay by Bank and SEPA Direct Debit from a single ACPR-regulated provider.

traditional +1

Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.

Varies

Gemba

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

baas +1

Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.

Varies