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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Classy

Enterprise Nonprofit Fundraising

IXOPAY

White-Label Payment Orchestration

Maksu

Online merchants of any size, from small shops and startups (FLEX/PRO plans) to high-volume enterprises and marketplaces (PREMIUM / á-la-carte), that want cards, wallets and European local payment methods.

traditional

Fees

FLEX (up to €1M/y): Zero acquiring fees for the first 2 months, afterwards 1.30% + 0.15€. PRO (up to €5M/y): Zero acquiring fees for the first 2 months, afterwards 1.40% + 0.20€. No set-up fees. Processing fees: Only official scheme and interchange fees apply. Blended rate applicable to domestic transactions. Valid for Merchants who join until 30 September 2026. PREMIUM (€5M+/y): Volume discount – Processing fee + Payment Method fee, IC++ (Intercharge++).

Settlement

Same day

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CURO 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.

Whop

Claimed View provider

Zuora

Enterprise Subscription Billing

Carat (Fiserv)

Enterprise Commerce Platform

PayHQ

Businesses that use several payment gateways and want a single integration to route between them, add bank payments (BankPay), and reconcile payments against invoices.

infrastructure +1

Fees

Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote

Settlement

Receive funds in seconds, not days.

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Finion

Gyms and fitness studios, especially those on Magicline or PerfectGym, that want membership billing, card/wallet acceptance and collections from one provider.

Elavon Europe

European Card Acquiring

Buy Me a Coffee

Creator Monetization

Givebutter

Free Nonprofit Fundraising

traditional

Fees

Free platform and processing fees when optional donor tips are enabled; traditional payment processing fees apply otherwise

PeP Online

E-commerce merchants that sell to Polish customers and want cards, Polish bank transfers and BLIK through a hosted payment form with plug-ins for shop platforms.

traditional

Fees

1,7% – Single regular price for your business (for currencies in PLN); No monthly fee; The price is charged for online transfers with Polish banks, Blik and Visa, Mastercard and Maestro payment cards. Enterprise package: Individual pricelist. Additional charges: International payments +1% on transaction; American Express – According to the American Express Pricelist; PayPal – According to the PayPal Pricelist.

Settlement

Varies

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