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.

traditional

Fees

Custom

Settlement

Varies

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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

Fees

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.

Settlement

Varies

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Clip

Mexican businesses

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.

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.

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XGD Europe

Businesses expanding into Europe, including e-commerce sellers, trading companies and retail or hospitality merchants, that want local LU/DE/DK/NL IBAN accounts together with online and in-store card and wallet acceptance.

traditional

Fees

Online IBAN Account: Outgoing SEPA €2.00 / txn; Outgoing International 0.30% Min €30 - Max €300 per transaction; Incoming (all) 0.30% per transaction; €100.00 /month Monthly Account Maintenance Fee; €500.00 Opening IBAN LU Account; €1000.00 Opening IBAN (DE+LU) Or (DE+DK). We offer customized pricing solutions for our clients. (Acquiring/digital payment fees not published.)

Settlement

Supports fastest T+1 settlement

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Whop

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Vivid

Small businesses, freelancers, and retail or hospitality merchants in Germany that want a business account bundled with payment links and a free card terminal.

traditional

Fees

Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards".

Settlement

Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings.

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SaltPay

European SMB Payments

Rent a Pin

Businesses and event organisers in the Netherlands and Belgium that need a card payment terminal short-term, e.g. for trade fairs, markets, festivals or seasonal sales.

traditional

Fees

Fixed card machine: €19 per day; Portable card machine: €22 per day; €36 contract costs; €0.12 per transaction (Visa Débit, MasterCard Débit, Maestro, V Pay); €700 deposit (no prepayment required); Free shipping and returns. Credit cards: €20 surcharge per rented device, transaction fees via your credit card provider. (Prices excl. VAT)

Settlement

Next business day

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DatecsPay

Small and medium-sized businesses in Bulgaria, such as retailers, restaurants, e-shops and unattended or vending operators, that want card acceptance without switching banks.

traditional

Fees

Tiered POS commission by previous month's turnover: up to 511 € – 1.30%; 511 € – 1 534 € – 1.20%; 1 535 € – 3 068 € – 1.10%; 3 069 € – 5 113 € – 1.00%; 5 113 € or more – 0.90% (alternative tier table: 1.40% + 2.56 € monthly fee up to 511 €, down to 1.00% at 5 113 € or more). Annual V-POS/Pay-by-link fee: 51.12 € excl. VAT; V-POS card rates: consumer debit/prepaid 1.20%, consumer credit 1.60%, corporate 2.20%. Monthly terminal fee: 5.11 € excl. VAT, with card-type rates of 0.80%–1.95% + 0.04 €–0.24 €. Corporate and non-EEA cards are charged 1.75% for the POS service. SIM card fee: 2.05 € excl. VAT per month.

Settlement

Next business day

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Swapper Finance

Direct DeFi deposits and Web3 onboarding

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Payee Eftpos and Ecommerce

EFTPOS & ecommerce payments

traditional

Fees

EFTPOS from 0.79%, Ecommerce from 1.4% + $0.20

Red Dot Payment

Singapore and Southeast Asian merchants

traditional

Fees

2.5% + SGD 0.50 for card payments

Yoco

South African SMEs

Billingo

Hungarian freelancers and small businesses that use Billingo for invoicing and want to take card payments in person on a terminal from the same provider.

embedded +1

Fees

0 - 6 990 Ft/hó; Tranzakciós díj: 0,35%-tól * (IC++ pricing; personalised fee package per merchant)

Settlement

A tranzakciók értéke akár egy munkanap alatt jóváírásra kerül az ügyfél által megadott bankszámlára.

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CMI Morocco

Moroccan card acquiring and e-commerce payment processing

24h Moroccan cards; 48h foreign cards

Enterprise

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Payscout

Card-not-present and ecommerce merchants in verticals such as collections (ARM), healthcare, education, enterprise and nonprofit, including managed-risk businesses that need US, EU or international merchant accounts.

AIB Merchant Services

Businesses in Ireland and the UK, from small shops to large companies, that want to take card payments in person, online or by payment link.

Payrexx

Swiss and European e-commerce merchants

traditional

Fees

1.65%–2.2% + 0.18 CHF

Settlement

7 business days

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CommerceGate

Online merchants, platforms and PSPs, particularly EU-based businesses, that want to accept cards and local payment methods in Brazil and other Latin American markets.