# Novalnet — Payment Provider

Novalnet AG is a payment institution based in Garching near Munich and authorised by BaFin. It provides online and in-store payment processing with a single contract covering cards, wallets, direct debit, bank transfer and invoice methods. Its platform includes subscription billing, pay-by-link, virtual terminal, phone payments, marketplace split payments, virtual IBANs, fraud screening, payment guarantees for SEPA Direct Debit and invoice, and receivables management/debt collection. It offers plugins for over 100 shop and ERP systems, including Shopify, WooCommerce, Magento, SAP and Salesforce.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** 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.
- **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.
- **Fee model:** flat-rate
- **Categories:** traditional
- **Countries served:** 1 (DE)
- **Payment methods:** ach, alipay, amex, apple_pay, bancontact, bank_transfer, bizum, cartes_bancaires, diners, discover, eps, google_pay, ideal, installments, invoice, jcb, kakaopay, maestro, mastercard, mb_way, multibanco, payment_link, paypal, poli, pos, postfinance, przelewy24, samsung_pay, sepa_direct_debit, trustly, twint, unionpay, visa, wechat_pay, wero

## Legal & compliance

Legal entities:
- NOVALNET AG — Germany — licenses: Payment Institution, DE, BaFin

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/novalnet#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=novalnet&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/novalnet

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)