German Payment Providers

Verslas (low-risk businesses registered in LT, UK and EEA): business account application FREE; priority application review 1500 EUR; monthly service 12.99 EUR; internal transfers FREE; from/to Lithuanian and EEA (SEPA) banks 1 EUR; international SWIFT transfers (outgoing/incoming) 0.4%, min. fee 25 EUR; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%. Verslas+ (high-risk sectors and/or outside EEA): application 450 EUR; priority review 1500 EUR; monthly service 69 EUR; internal transfers FREE; incoming SEPA 2 EUR + 0.05%; outgoing SEPA 1 EUR; SWIFT (outgoing/incoming) 25 EUR + 0.5%; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%.

Bitpanda

crypto +1

Zero deposit and withdrawal fees on all fiat payment methods; trading/spread fees apply on assets (e.g. €1 per stock trade).

Zevoy

Companies in Finland and other served European markets that want employee Visa company cards, subscription cards and benefit cards with expense automation, plus Finnish benefit service providers that want to accept Zevoy Benefit cards without paying Zevoy fees.

regional

Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards.

AirPlus International

myPOS

European Smart Card Readers

Hobex

Austrian payments

Wix Payments

Wix Website Payments

EVO Payments Europe

Pan-European Acquiring

Payward

Barion

Hungarian E-Commerce

regional

From 1.2% per transaction

VR-Bank Ihre Heimatbank

Small and mid-sized German businesses that already bank with a cooperative bank and want card terminals, mobile card acceptance (taxis, market stalls, food trucks, tradespeople) or online-shop payments.

Travelex

bitFlyer

crypto

Lightning trading from 10 bps (US); zero trading fees on EU buy/sell, Lightning fees per maker/taker; full fee schedule per region on /commission.

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.

traditional

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.

VR PayMe: girocard-Zahlungen werden abhängig vom Vertrag in der Regel binnen ein bis zwei Werktagen auf Ihrem Konto gutgeschrieben. Kreditkartenzahlungen werden einmal wöchentlich ausgezahlt.

ING

VR Payment

German retailers, small shops, mobile businesses and online shops, especially those banking with Volksbanken Raiffeisenbanken, that want card acceptance in-store, on the move or online.

CURO Payments

Edenred

Employee Benefit Payments

PaynoPain

SMEs, ecommerce stores, hotels, restaurants, marketplaces, debt collection agencies and mobility businesses, mainly in Spain and Europe, that want online and in-person payments on one platform.

Mondu

B2B sellers (webshops, marketplaces and multichannel sellers) that want to offer business buyers invoice payment terms or installments without taking on credit risk.

traditional +1

Mondu’s Buy Now, Pay Later solution is priced at a Merchant Discount Rate (MDR) of 1.5-3.0%, similar to other payment methods like credit cards and comparable to Agio/Skonto. The exact fees depend on the net terms offered to the buyers, volume of transactions, basket size, industry and payout terms.