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

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Fees

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

Your customers pay later and you receive the full amount immediately.

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Affirm

Installment Loans

PayU Poland

Polish enterprise

Dintero

Online stores, marketplaces and platforms based in Norway, Sweden or Denmark that want one checkout covering Nordic local payment methods, cards, wallets and invoice/BNPL.

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Fees

Checkout – Early Phase: monthly fee from 149 kr, 1.5 kr transaction fee + payment method fee. Growth Phase: monthly fee from 249 kr, 1 kr transaction fee + payment method fee. Annual volume over 5 million: custom pricing. Payment method fees (Early / Growth): Visa & Mastercard EU consumer cards 1 kr + 2.49% / 1 kr + 1.95%; non-EU consumer cards 1 kr + 2.99% / 1 kr + 2.95%; Apple Pay, Google Pay, Click to Pay, Vipps, MobilePay, Swish 1 kr + 2.49% / 1 kr + 1.95%; Klarna 3.50 kr + 2.99% / 3.50 kr + 2.79%; Walley B2C 1 kr + 2.49% / 1 kr + 1.95%, B2B 1 kr + 2.99% / 1 kr + 2.95%; Billie 5 kr + 3.99% / 2.50 kr + 2.95%.

Settlement

You’re paid the week after a successful capture (not when the order is authorized).

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Omise (OpnPayments)

Thailand and Southeast Asian e-commerce merchants

traditional

Fees

2.9% + ฿20 for card payments; local methods vary

PayTR

Turkish E-Commerce Payments

Paytrail

Finnish e-commerce

traditional

Fees

From €59/month + transaction fees

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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Sezzle

Interest-Free Installments

Mondu

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

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Fees

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.

Settlement

Varies

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ECPay

Taiwan e-commerce

Walley (Collector)

BNPL & invoicing

Dragonpay

Philippines Payment Aggregation

24pay

Slovak e-shops, online services and brick-and-mortar shops that want an online payment gateway and card-present POS terminals from one provider.

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Fees

Poplatky za kartové transakcie podľa schémy MIF++ (interchange + card scheme fee passed through at cost). Poplatok za spracovanie transakcie: INDIVIDUÁLNE. Illustrative example (consumer debit Mastercard, 50 EUR): Poplatok za spracovanie transakcie 0,80 % + 0,10 EUR; Poplatok za transakciu celkom 1,204 % + 0,123 EUR. Prvých 6 mesiacov bez poplatkov za vedenie účtu.

Settlement

Varies

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Kanzaroo

German merchants selling digital content, gaming or subscriptions who want direct carrier billing alongside cards and SEPA through a single API.

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Fees

Kreditkarten (EU): 1,2% + 0,25€; SEPA Lastschrift: 0,25€ fix; KYC Match: ab 0,80€; E-Wallets & Cash2Code: Inklusive; Keine Setup-Kosten. Carrier Billing & Enterprise: Individuelles Setup.

Settlement

Varies

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Billmate

Swedish e-commerce

Outpayce

Airlines, hotels and travel agencies — especially those already using Amadeus systems — that want to orchestrate payment acceptance and supplier payouts through one platform.