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

View provider

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

View provider

WooCommerce Payments

WordPress E-Commerce Payments

Billwerk+

European Subscription Billing

Klasha

Businesses that want to collect payments from customers in African markets in local currencies and methods (cards, mobile money, M-Pesa, USSD, bank transfer), or pay suppliers in Asia and abroad from African currencies.

regional +1

Fees

Klasha Pay / Payment Links: 2.9% for NGN; 2.9% for KES; 4.0% for ZAR. Klasha Wire (fees based on transaction volume): $1,000 - 2.75%; $5,000 - 2.27%; $10,000 - 2.21%; $20,000 - 2.18%; $50,000 - 2.16%. Zero set-up fees. Fees are only charged per transaction made.

Settlement

Your money is automatically settled in your Klasha wallet. To request payouts in your bank account, it takes T+1 for Nigerian merchants and T+3 for merchants in other African countries and international merchants

View provider

QPay

Qatar mobile payments

Red Dot Payment

Singapore and Southeast Asian merchants

traditional

Fees

2.5% + SGD 0.50 for card payments

LianLian Pay

China Cross-Border Payments

Payabl

European Merchant Services & Card Issuing

Revenue Monster

Malaysian Merchant Platform

regional +1

Fees

From 0.8% per transaction

ZEN.COM

E-commerce merchants selling cross-border who want a payment gateway combined with a multi-currency business account.

traditional +1

Fees

Payment Gateway plan: 25.00 EUR / mo. or 100 EUR / mo.; ZEN Pay 0.35% + 0.10 EUR; Credit cards IF++ 0.89% + 0.30 EUR

Settlement

Varies

View provider

Reach

Cross-Border MoR Payments

SBPS (SoftBank Payment Service)

Japanese Carrier Billing

regional +1

Fees

3% - 4% per transaction

Worldline Sips

French Omnichannel Payments

Payrexx

Swiss and European e-commerce merchants

traditional

Fees

1.65%–2.2% + 0.18 CHF

Settlement

7 business days

View provider

Rootline

Platforms and multi-entity businesses, for example in hospitality, events, beauty and wellness, or travel, that need split payments, platform fees and merchant payouts across online and in-person channels in Europe.

Claimed View provider

HSBC Digital Merchant Services

WireBloom

Businesses that want dedicated or virtual IBAN accounts with multi-currency transfers together with card acquiring and alternative payment method acceptance on one platform.

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.

YeePay

Chinese Online Payment Platform

PayMyTuition

Student Tuition Payments

Payway Cambodia

Cambodian Payment Gateway

regional +1

Fees

2.5% - 3% per transaction

Raiffeisenbank Aidlingen

Small and local businesses such as shops, market stalls and food trucks that want card and mobile-wallet acceptance alongside a business account at their cooperative bank.

Bezahlte Beträge werden direkt Ihrem Geschäftskonto gutgeschrieben – in der Regel am nächsten Tag. (girocard)

View provider