POS Payment Method — 60 Payment Providers

Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.

Next business day

Surfboard Payments

Software vendors (ISVs), payment facilitators, acquirers and multi-location merchants, mainly in the Nordics, that want in-store, Tap to Pay and online payments through one API, plus small businesses using the packaged Surfpay POS.

Paymob

Egyptian & MENA Payments

TeamApt (Moniepoint)

Nigerian Business Banking

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Transaction-based fees

PayTR

Turkish E-Commerce Payments

Wix Payments

Wix Website Payments

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.

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.

Varies

Sliq

Cyprus-based SMEs wanting a business account, cards and in-person card acceptance in one app

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Plans: Strategic EUR 0/month (5 free SEPA transfers), Executive from EUR 25/month (10 free), Ultimate from EUR 50/month (unlimited). Incoming SEPA free. Card FX fee 3%/2%/1% by plan. Mastercard Send/Visa Direct 0.40% per transaction (min EUR 0.15, max EUR 0.50).

Varies

Booksalon

Hair, beauty, wellness and similar appointment-based businesses in Finland that want booking, POS and card acceptance in one system.

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.

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".

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.

Sogexia

Small French businesses (shops, restaurants, tradespeople, ride-hailing drivers, home-service providers) that want a business account plus in-person card acceptance.

Essential (processing under €10,000/month): no commitment, Tap to Pay included, preferential commission 1.49% (shown reduced from 1.55%). Plus (processing over €10,000/month): no commitment, physical terminal included, preferential commission 0.39% + €0.05 (shown reduced from 0.49% + €0.05). Smart Smile terminal €199 excl. VAT, Super Smile terminal €299 excl. VAT (free with Plus plan).

Next business day

Okoskassza

Hungarian retail and hospitality merchants who want a cash register, card terminal or SoftPOS app, and a rented webshop from one provider that isn't tied to a bank.

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SmartPOS terminal: SMARTlight 2 990 HUF + Áfa /hó, card fee 1.1% + interchange (bankközi jutalék) + card scheme fee (kártyatársasági díj), POS price 0 HUF + Áfa; superSMART 3 490 HUF + Áfa /hó, 0.75% + interchange + scheme fee; SMARTwebshop 11 980 HUF + Áfa /hó, 0.4% + interchange + scheme fee. SmartSoftPOS: SMARTlight 790 HUF + Áfa /hó, 1.1% + interchange + scheme fee, SoftPOS price 9 990 HUF + Áfa; superSMART 990 HUF + Áfa /hó, 0.75% + interchange + scheme fee, SoftPOS price 0 HUF + Áfa. All plans are 2-year contracts. SmartKassa cash register: from 259.000 Ft + Áfa, or in instalments.

Varies

Zeller

UK small and medium businesses, such as hospitality and retail, that want card machines with built-in POS plus a free business account and cards without monthly fees.

In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts.

Same day

Hubtel

Ghanaian Commerce Platform

regional

1.95% per transaction for merchants (fees vary by payment method)

Wipöp

Self-employed workers and companies that live in Spain, have a Spanish bank account and want card, Bizum and wallet payments online and in person.

Smile&Pay

French small and mid-sized merchants (restaurants, retail, services) wanting card terminals or Tap to Pay with no long-term commitment

From 0.49% + EUR 0.05 per transaction (excl. VAT), no commitment period; the site states services are activated from EUR 10,000 monthly payment volume

Instant to 24 business days

Pine Labs

Indian Merchant Commerce

NBG Pay

Businesses in Greece that want card acceptance in-store, online or on the move, using POS terminals or a SoftPOS app, through a provider backed by the National Bank of Greece.

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