Payment provider comparison: The best providers for your online shop

Payment provider comparison: The best providers for your online shop

Payment provider comparison: The best providers for your online shop

Payment provider comparison: The best providers for your online shop

An efficient payment provider is crucial for the success of your online shop. Compare the best payment providers to find the optimal choice for your needs and business model.

An efficient payment provider is crucial for the success of your online shop. Compare the best payment providers to find the optimal choice for your needs and business model.

Apr 8, 2025

Table of contents

  1. Payment providers in comparison

  2. What to look out for?

  3. Provider comparison using the example

  4. Adyen costs

  5. Mollie costs

  6. Stripe fees

  7. Nexi (formerly Concardis) fees

  8. Payone fees

  9. Unzer costs

  10. Paypal costs

Overview: Payment provider comparison

  • Choose the payment provider that matches your business model and sales volume

  • Compare transaction fees, monthly costs and exchange rate fees

  • Make sure that the payment provider can be easily integrated into your shop system

  • Use payment providers with flexible price structures

  • Benefit from advanced features such as fraud prevention and international payment options

  • Minimize your costs with transparent fee models and flexible provider selection

Table of contents

  1. Payment providers in comparison

  2. What to look out for?

  3. Provider comparison using the example

  4. Adyen costs

  5. Mollie costs

  6. Stripe fees

  7. Nexi (formerly Concardis) fees

  8. Payone fees

  9. Unzer costs

  10. Paypal costs

Overview: Payment provider comparison

  • Choose the payment provider that matches your business model and sales volume

  • Compare transaction fees, monthly costs and exchange rate fees

  • Make sure that the payment provider can be easily integrated into your shop system

  • Use payment providers with flexible price structures

  • Benefit from advanced features such as fraud prevention and international payment options

  • Minimize your costs with transparent fee models and flexible provider selection

Table of contents

  1. Payment providers in comparison

  2. What to look out for?

  3. Provider comparison using the example

  4. Adyen costs

  5. Mollie costs

  6. Stripe fees

  7. Nexi (formerly Concardis) fees

  8. Payone fees

  9. Unzer costs

  10. Paypal costs

Overview: Payment provider comparison

  • Choose the payment provider that matches your business model and sales volume

  • Compare transaction fees, monthly costs and exchange rate fees

  • Make sure that the payment provider can be easily integrated into your shop system

  • Use payment providers with flexible price structures

  • Benefit from advanced features such as fraud prevention and international payment options

  • Minimize your costs with transparent fee models and flexible provider selection

Table of contents

  1. Payment providers in comparison

  2. What to look out for?

  3. Provider comparison using the example

  4. Adyen costs

  5. Mollie costs

  6. Stripe fees

  7. Nexi (formerly Concardis) fees

  8. Payone fees

  9. Unzer costs

  10. Paypal costs

Overview: Payment provider comparison

  • Choose the payment provider that matches your business model and sales volume

  • Compare transaction fees, monthly costs and exchange rate fees

  • Make sure that the payment provider can be easily integrated into your shop system

  • Use payment providers with flexible price structures

  • Benefit from advanced features such as fraud prevention and international payment options

  • Minimize your costs with transparent fee models and flexible provider selection

Payment providers in comparison





What to look out for?

Choosing the right payment provider depends heavily on the specific requirements of your online shop. Here are some key aspects to consider when making your selection:

  1. Transaction costs and fee structure: these have a direct impact on your profit margin. Payment providers such as Stripe and Mollie offer simple, transparent pricing models, while Adyen has volume-based rates that may appeal to larger companies.

  2. Easy integration into your shop system: The integration of a payment provider should be as seamless as possible. Stripe and Mollie, for example, offer extensive APIs and plugins that can be easily integrated into many e-commerce platforms.

  3. Specific additional functions: Depending on your requirements, additional functions such as recurring payments, fraud detection or customer-specific reports may be crucial.

Choosing the right payment provider depends heavily on the specific requirements of your online shop. Here are some key aspects to consider when making your selection:

  1. Transaction costs and fee structure: these have a direct impact on your profit margin. Payment providers such as Stripe and Mollie offer simple, transparent pricing models, while Adyen has volume-based rates that may appeal to larger companies.

  2. Easy integration into your shop system: The integration of a payment provider should be as seamless as possible. Stripe and Mollie, for example, offer extensive APIs and plugins that can be easily integrated into many e-commerce platforms.

  3. Specific additional functions: Depending on your requirements, additional functions such as recurring payments, fraud detection or customer-specific reports may be crucial.

Choosing the right payment provider depends heavily on the specific requirements of your online shop. Here are some key aspects to consider when making your selection:

  1. Transaction costs and fee structure: these have a direct impact on your profit margin. Payment providers such as Stripe and Mollie offer simple, transparent pricing models, while Adyen has volume-based rates that may appeal to larger companies.

  2. Easy integration into your shop system: The integration of a payment provider should be as seamless as possible. Stripe and Mollie, for example, offer extensive APIs and plugins that can be easily integrated into many e-commerce platforms.

  3. Specific additional functions: Depending on your requirements, additional functions such as recurring payments, fraud detection or customer-specific reports may be crucial.

Choosing the right payment provider depends heavily on the specific requirements of your online shop. Here are some key aspects to consider when making your selection:

  1. Transaction costs and fee structure: these have a direct impact on your profit margin. Payment providers such as Stripe and Mollie offer simple, transparent pricing models, while Adyen has volume-based rates that may appeal to larger companies.

  2. Easy integration into your shop system: The integration of a payment provider should be as seamless as possible. Stripe and Mollie, for example, offer extensive APIs and plugins that can be easily integrated into many e-commerce platforms.

  3. Specific additional functions: Depending on your requirements, additional functions such as recurring payments, fraud detection or customer-specific reports may be crucial.

Payment provider comparison using an example

EcoFashion GmbH is a fictitious company that sells sustainable fashion products and exports both to Germany and to other EU countries. Due to its international orientation, EcoFashion GmbH needs a payment provider that can process national and international payments efficiently and cost-effectively.

  • Company: EcoFashion GmbH

  • Sales regions: Germany and other EU countries

  • Payment methods: Credit card incl. Apple Pay/Google Pay (15%), purchase on account (40%), PayPal (35%), bank transfer (10%)

  • Order volume: 1,000 orders per month

  • Average order value: €50

  • Return rate: 35%

The comparison of payment providers is based on this data.

Summary of comparison results for EcoFashion GmbH

Payment providers in detail

EcoFashion GmbH is a fictitious company that sells sustainable fashion products and exports both to Germany and to other EU countries. Due to its international orientation, EcoFashion GmbH needs a payment provider that can process national and international payments efficiently and cost-effectively.

  • Company: EcoFashion GmbH

  • Sales regions: Germany and other EU countries

  • Payment methods: Credit card incl. Apple Pay/Google Pay (15%), purchase on account (40%), PayPal (35%), bank transfer (10%)

  • Order volume: 1,000 orders per month

  • Average order value: €50

  • Return rate: 35%

The comparison of payment providers is based on this data.

Summary of comparison results for EcoFashion GmbH

Payment providers in detail

EcoFashion GmbH is a fictitious company that sells sustainable fashion products and exports both to Germany and to other EU countries. Due to its international orientation, EcoFashion GmbH needs a payment provider that can process national and international payments efficiently and cost-effectively.

  • Company: EcoFashion GmbH

  • Sales regions: Germany and other EU countries

  • Payment methods: Credit card incl. Apple Pay/Google Pay (15%), purchase on account (40%), PayPal (35%), bank transfer (10%)

  • Order volume: 1,000 orders per month

  • Average order value: €50

  • Return rate: 35%

The comparison of payment providers is based on this data.

Summary of comparison results for EcoFashion GmbH

Payment providers in detail

EcoFashion GmbH is a fictitious company that sells sustainable fashion products and exports both to Germany and to other EU countries. Due to its international orientation, EcoFashion GmbH needs a payment provider that can process national and international payments efficiently and cost-effectively.

  • Company: EcoFashion GmbH

  • Sales regions: Germany and other EU countries

  • Payment methods: Credit card incl. Apple Pay/Google Pay (15%), purchase on account (40%), PayPal (35%), bank transfer (10%)

  • Order volume: 1,000 orders per month

  • Average order value: €50

  • Return rate: 35%

The comparison of payment providers is based on this data.

Summary of comparison results for EcoFashion GmbH

Payment providers in detail

Adyen costs

Adyen is ideal for large, internationally active companies. Adyen fees are variable and consist of fixed and volume-based costs, which can be advantageous for companies with high volumes, but for smaller merchants and less-frequented shops, this results in more complex Adyen costs. While Adyen offers strong fraud prevention tools, the complex pricing structure may be less attractive to merchants who value transparency and simplicity than other providers in the payment provider comparison. Mollie, on the other hand, offers a transparent pricing structure with no hidden fees. Read more: Comparison of Adyen and Mollie.

  • Transaction fees: €0.11 + variable fee depending on payment method

  • Refund fees: Refund fees vary; in this example, we assume that no refunds are charged except for the fixed fees.

  • Fixed costs: depending on the payment method

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.11 + €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + ((€0.35 + €0.11) x 400) = €782.00

    • Returns: 35% of 400 orders = 140 returns.

    • Refund costs: 0.10 x 140 = €14.00 (assumed)

  • PayPal (35%): €0.11 + PayPal fees:

    • Costs: €0.11 x 350 = €38.50 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 returns (rounded up to 123).

    • Refund costs: €0.10 x 123 = €12.30

  • Credit card incl. Apple Pay/Google Pay (15%): €0.11 + assumed 0.95% fee:

    • costs: (0.95% x €50 x 150) + (0.11 x 150) = €87.75

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns.

    • Refund costs: €0.10 x 53 = €5.30 (assumed).

  • SEPA transfers (10%): Not offered by Adyen.

  • Total cost Adyen incl. setup: €908.25 (transaction costs) + €31.60 (refund costs) = €939.85 (plus PayPal fees) // 100 order cancellations due to unavailable payment method SEPA transfer

Adyen is ideal for large, internationally active companies. Adyen fees are variable and consist of fixed and volume-based costs, which can be advantageous for companies with high volumes, but for smaller merchants and less-frequented shops, this results in more complex Adyen costs. While Adyen offers strong fraud prevention tools, the complex pricing structure may be less attractive to merchants who value transparency and simplicity than other providers in the payment provider comparison. Mollie, on the other hand, offers a transparent pricing structure with no hidden fees. Read more: Comparison of Adyen and Mollie.

  • Transaction fees: €0.11 + variable fee depending on payment method

  • Refund fees: Refund fees vary; in this example, we assume that no refunds are charged except for the fixed fees.

  • Fixed costs: depending on the payment method

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.11 + €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + ((€0.35 + €0.11) x 400) = €782.00

    • Returns: 35% of 400 orders = 140 returns.

    • Refund costs: 0.10 x 140 = €14.00 (assumed)

  • PayPal (35%): €0.11 + PayPal fees:

    • Costs: €0.11 x 350 = €38.50 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 returns (rounded up to 123).

    • Refund costs: €0.10 x 123 = €12.30

  • Credit card incl. Apple Pay/Google Pay (15%): €0.11 + assumed 0.95% fee:

    • costs: (0.95% x €50 x 150) + (0.11 x 150) = €87.75

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns.

    • Refund costs: €0.10 x 53 = €5.30 (assumed).

  • SEPA transfers (10%): Not offered by Adyen.

  • Total cost Adyen incl. setup: €908.25 (transaction costs) + €31.60 (refund costs) = €939.85 (plus PayPal fees) // 100 order cancellations due to unavailable payment method SEPA transfer

Adyen is ideal for large, internationally active companies. Adyen fees are variable and consist of fixed and volume-based costs, which can be advantageous for companies with high volumes, but for smaller merchants and less-frequented shops, this results in more complex Adyen costs. While Adyen offers strong fraud prevention tools, the complex pricing structure may be less attractive to merchants who value transparency and simplicity than other providers in the payment provider comparison. Mollie, on the other hand, offers a transparent pricing structure with no hidden fees. Read more: Comparison of Adyen and Mollie.

  • Transaction fees: €0.11 + variable fee depending on payment method

  • Refund fees: Refund fees vary; in this example, we assume that no refunds are charged except for the fixed fees.

  • Fixed costs: depending on the payment method

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.11 + €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + ((€0.35 + €0.11) x 400) = €782.00

    • Returns: 35% of 400 orders = 140 returns.

    • Refund costs: 0.10 x 140 = €14.00 (assumed)

  • PayPal (35%): €0.11 + PayPal fees:

    • Costs: €0.11 x 350 = €38.50 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 returns (rounded up to 123).

    • Refund costs: €0.10 x 123 = €12.30

  • Credit card incl. Apple Pay/Google Pay (15%): €0.11 + assumed 0.95% fee:

    • costs: (0.95% x €50 x 150) + (0.11 x 150) = €87.75

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns.

    • Refund costs: €0.10 x 53 = €5.30 (assumed).

  • SEPA transfers (10%): Not offered by Adyen.

  • Total cost Adyen incl. setup: €908.25 (transaction costs) + €31.60 (refund costs) = €939.85 (plus PayPal fees) // 100 order cancellations due to unavailable payment method SEPA transfer

Adyen is ideal for large, internationally active companies. Adyen fees are variable and consist of fixed and volume-based costs, which can be advantageous for companies with high volumes, but for smaller merchants and less-frequented shops, this results in more complex Adyen costs. While Adyen offers strong fraud prevention tools, the complex pricing structure may be less attractive to merchants who value transparency and simplicity than other providers in the payment provider comparison. Mollie, on the other hand, offers a transparent pricing structure with no hidden fees. Read more: Comparison of Adyen and Mollie.

  • Transaction fees: €0.11 + variable fee depending on payment method

  • Refund fees: Refund fees vary; in this example, we assume that no refunds are charged except for the fixed fees.

  • Fixed costs: depending on the payment method

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.11 + €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + ((€0.35 + €0.11) x 400) = €782.00

    • Returns: 35% of 400 orders = 140 returns.

    • Refund costs: 0.10 x 140 = €14.00 (assumed)

  • PayPal (35%): €0.11 + PayPal fees:

    • Costs: €0.11 x 350 = €38.50 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 returns (rounded up to 123).

    • Refund costs: €0.10 x 123 = €12.30

  • Credit card incl. Apple Pay/Google Pay (15%): €0.11 + assumed 0.95% fee:

    • costs: (0.95% x €50 x 150) + (0.11 x 150) = €87.75

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns.

    • Refund costs: €0.10 x 53 = €5.30 (assumed).

  • SEPA transfers (10%): Not offered by Adyen.

  • Total cost Adyen incl. setup: €908.25 (transaction costs) + €31.60 (refund costs) = €939.85 (plus PayPal fees) // 100 order cancellations due to unavailable payment method SEPA transfer

Mollie costs

Mollie offers flexible and transparent pricing that is suitable for businesses of all sizes. There are no monthly fixed costs, and the Mollie costs are based solely on the transaction fees, which are clearly indicated depending on the payment method – for example, 1.8% plus €0.25 per transaction for credit cards. Payouts are fast and reliable. Mollie offers easy integration, a wide range of payment methods and is ideal for companies looking for a cost-effective and transparent solution to optimize their payment processes.

  • Transaction fees: depending on the payment method

  • Refund fees: €0.25

  • Fixed costs: none

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • Returns: 35% of 400 orders = 140 returns

    • Refund costs: €0.25 x 140 = €35.00

  • PayPal (35%): €0.10 + PayPal fees:

    • Costs: €0.10 x 350 = €35.00 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 (rounded up to 123) returns

    • Refund costs: €0.25 x 123 = €30.75

  • Credit card incl. Apple Pay/Google Pay (15%): 0.9% + €0.25 per transaction:

    • costs: (0.9% x €50 x 150) + (€0.25 x 150) = €105.00.

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns

    • Refund costs: 0.25 x 53 = €13.25

  • SEPA transfers (10%): €0.25

    • Costs: 0.25 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: 0.25 x 35 = €8.75

  • Total costs Mollie:903.00 (transaction costs) + €87.75 (refund costs) = €990.75 (plus PayPal fees)

Mollie offers flexible and transparent pricing that is suitable for businesses of all sizes. There are no monthly fixed costs, and the Mollie costs are based solely on the transaction fees, which are clearly indicated depending on the payment method – for example, 1.8% plus €0.25 per transaction for credit cards. Payouts are fast and reliable. Mollie offers easy integration, a wide range of payment methods and is ideal for companies looking for a cost-effective and transparent solution to optimize their payment processes.

  • Transaction fees: depending on the payment method

  • Refund fees: €0.25

  • Fixed costs: none

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • Returns: 35% of 400 orders = 140 returns

    • Refund costs: €0.25 x 140 = €35.00

  • PayPal (35%): €0.10 + PayPal fees:

    • Costs: €0.10 x 350 = €35.00 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 (rounded up to 123) returns

    • Refund costs: €0.25 x 123 = €30.75

  • Credit card incl. Apple Pay/Google Pay (15%): 0.9% + €0.25 per transaction:

    • costs: (0.9% x €50 x 150) + (€0.25 x 150) = €105.00.

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns

    • Refund costs: 0.25 x 53 = €13.25

  • SEPA transfers (10%): €0.25

    • Costs: 0.25 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: 0.25 x 35 = €8.75

  • Total costs Mollie:903.00 (transaction costs) + €87.75 (refund costs) = €990.75 (plus PayPal fees)

Mollie offers flexible and transparent pricing that is suitable for businesses of all sizes. There are no monthly fixed costs, and the Mollie costs are based solely on the transaction fees, which are clearly indicated depending on the payment method – for example, 1.8% plus €0.25 per transaction for credit cards. Payouts are fast and reliable. Mollie offers easy integration, a wide range of payment methods and is ideal for companies looking for a cost-effective and transparent solution to optimize their payment processes.

  • Transaction fees: depending on the payment method

  • Refund fees: €0.25

  • Fixed costs: none

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • Returns: 35% of 400 orders = 140 returns

    • Refund costs: €0.25 x 140 = €35.00

  • PayPal (35%): €0.10 + PayPal fees:

    • Costs: €0.10 x 350 = €35.00 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 (rounded up to 123) returns

    • Refund costs: €0.25 x 123 = €30.75

  • Credit card incl. Apple Pay/Google Pay (15%): 0.9% + €0.25 per transaction:

    • costs: (0.9% x €50 x 150) + (€0.25 x 150) = €105.00.

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns

    • Refund costs: 0.25 x 53 = €13.25

  • SEPA transfers (10%): €0.25

    • Costs: 0.25 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: 0.25 x 35 = €8.75

  • Total costs Mollie:903.00 (transaction costs) + €87.75 (refund costs) = €990.75 (plus PayPal fees)

Mollie offers flexible and transparent pricing that is suitable for businesses of all sizes. There are no monthly fixed costs, and the Mollie costs are based solely on the transaction fees, which are clearly indicated depending on the payment method – for example, 1.8% plus €0.25 per transaction for credit cards. Payouts are fast and reliable. Mollie offers easy integration, a wide range of payment methods and is ideal for companies looking for a cost-effective and transparent solution to optimize their payment processes.

  • Transaction fees: depending on the payment method

  • Refund fees: €0.25

  • Fixed costs: none

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.35 + 2.99%:

    • Costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • Returns: 35% of 400 orders = 140 returns

    • Refund costs: €0.25 x 140 = €35.00

  • PayPal (35%): €0.10 + PayPal fees:

    • Costs: €0.10 x 350 = €35.00 plus PayPal fees

    • Returns: 35% of 350 orders = 122.5 (rounded up to 123) returns

    • Refund costs: €0.25 x 123 = €30.75

  • Credit card incl. Apple Pay/Google Pay (15%): 0.9% + €0.25 per transaction:

    • costs: (0.9% x €50 x 150) + (€0.25 x 150) = €105.00.

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns

    • Refund costs: 0.25 x 53 = €13.25

  • SEPA transfers (10%): €0.25

    • Costs: 0.25 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: 0.25 x 35 = €8.75

  • Total costs Mollie:903.00 (transaction costs) + €87.75 (refund costs) = €990.75 (plus PayPal fees)

Stripe fees

Stripe offers flexible pricing structures for businesses of all sizes. Stripe fees are €0.25 plus 1.5% for standard cards from the EEA, and payouts are fast. Stripe doesn't charge any fixed costs, but Stripe transaction fees can vary depending on the payment method, which can make the total costs unpredictable. As the payment provider comparison shows, the platform is ideal for companies with high transaction volumes that are looking for a wide range of payment methods and fast Stripe payouts, but for low volumes, Stripe costs for sellers are often higher than with Mollie.

  • Transaction fees: €0.25 +1.5% for standard EEA cards

  • Refund fees: Depending on the payment method

  • Fixed costs: none

calculation for the payment provider comparison:

  • Invoice via Klarna (40%): 40% of 1,000 orders = 400 orders

    • costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • No additional refund costs

  • PayPal (35%): 35% of 1,000 orders = 350 orders

    • Costs: (0.2% x 50 x 350) + (€0.10 x 350) = €70.00 plus PayPal fees

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): 15% of 1,000 orders = 150 orders

    • Costs: (1.5% x €50 x 150) + (€0.25 x 150) = €225 + €75 = €150.00

    • No additional refund costs

  • SEPA transfers (10%): 10% of 1,000 orders = 100 orders

    • Cost: 0.5% x €50 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: €0.50 x 35 = €17.50

  • Total costs Stripe incl. setup: 983.00 € (transaction costs) + 17.50 € (refund costs) = 1,000.50 € (plus PayPal fees).

Stripe offers flexible pricing structures for businesses of all sizes. Stripe fees are €0.25 plus 1.5% for standard cards from the EEA, and payouts are fast. Stripe doesn't charge any fixed costs, but Stripe transaction fees can vary depending on the payment method, which can make the total costs unpredictable. As the payment provider comparison shows, the platform is ideal for companies with high transaction volumes that are looking for a wide range of payment methods and fast Stripe payouts, but for low volumes, Stripe costs for sellers are often higher than with Mollie.

  • Transaction fees: €0.25 +1.5% for standard EEA cards

  • Refund fees: Depending on the payment method

  • Fixed costs: none

calculation for the payment provider comparison:

  • Invoice via Klarna (40%): 40% of 1,000 orders = 400 orders

    • costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • No additional refund costs

  • PayPal (35%): 35% of 1,000 orders = 350 orders

    • Costs: (0.2% x 50 x 350) + (€0.10 x 350) = €70.00 plus PayPal fees

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): 15% of 1,000 orders = 150 orders

    • Costs: (1.5% x €50 x 150) + (€0.25 x 150) = €225 + €75 = €150.00

    • No additional refund costs

  • SEPA transfers (10%): 10% of 1,000 orders = 100 orders

    • Cost: 0.5% x €50 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: €0.50 x 35 = €17.50

  • Total costs Stripe incl. setup: 983.00 € (transaction costs) + 17.50 € (refund costs) = 1,000.50 € (plus PayPal fees).

Stripe offers flexible pricing structures for businesses of all sizes. Stripe fees are €0.25 plus 1.5% for standard cards from the EEA, and payouts are fast. Stripe doesn't charge any fixed costs, but Stripe transaction fees can vary depending on the payment method, which can make the total costs unpredictable. As the payment provider comparison shows, the platform is ideal for companies with high transaction volumes that are looking for a wide range of payment methods and fast Stripe payouts, but for low volumes, Stripe costs for sellers are often higher than with Mollie.

  • Transaction fees: €0.25 +1.5% for standard EEA cards

  • Refund fees: Depending on the payment method

  • Fixed costs: none

calculation for the payment provider comparison:

  • Invoice via Klarna (40%): 40% of 1,000 orders = 400 orders

    • costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • No additional refund costs

  • PayPal (35%): 35% of 1,000 orders = 350 orders

    • Costs: (0.2% x 50 x 350) + (€0.10 x 350) = €70.00 plus PayPal fees

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): 15% of 1,000 orders = 150 orders

    • Costs: (1.5% x €50 x 150) + (€0.25 x 150) = €225 + €75 = €150.00

    • No additional refund costs

  • SEPA transfers (10%): 10% of 1,000 orders = 100 orders

    • Cost: 0.5% x €50 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: €0.50 x 35 = €17.50

  • Total costs Stripe incl. setup: 983.00 € (transaction costs) + 17.50 € (refund costs) = 1,000.50 € (plus PayPal fees).

Stripe offers flexible pricing structures for businesses of all sizes. Stripe fees are €0.25 plus 1.5% for standard cards from the EEA, and payouts are fast. Stripe doesn't charge any fixed costs, but Stripe transaction fees can vary depending on the payment method, which can make the total costs unpredictable. As the payment provider comparison shows, the platform is ideal for companies with high transaction volumes that are looking for a wide range of payment methods and fast Stripe payouts, but for low volumes, Stripe costs for sellers are often higher than with Mollie.

  • Transaction fees: €0.25 +1.5% for standard EEA cards

  • Refund fees: Depending on the payment method

  • Fixed costs: none

calculation for the payment provider comparison:

  • Invoice via Klarna (40%): 40% of 1,000 orders = 400 orders

    • costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • No additional refund costs

  • PayPal (35%): 35% of 1,000 orders = 350 orders

    • Costs: (0.2% x 50 x 350) + (€0.10 x 350) = €70.00 plus PayPal fees

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): 15% of 1,000 orders = 150 orders

    • Costs: (1.5% x €50 x 150) + (€0.25 x 150) = €225 + €75 = €150.00

    • No additional refund costs

  • SEPA transfers (10%): 10% of 1,000 orders = 100 orders

    • Cost: 0.5% x €50 x 100 = €25.00

    • Returns: 35% of 100 orders = 35 returns

    • Refund costs: €0.50 x 35 = €17.50

  • Total costs Stripe incl. setup: 983.00 € (transaction costs) + 17.50 € (refund costs) = 1,000.50 € (plus PayPal fees).

Nexi Checkout Fees

Nexi, formerly known as Concardis, offers various payment methods that are particularly aimed at European merchants. The Nexi or Concardis fees vary depending on the payment method, for example €0.20 plus 1.69% per transaction. Although the Nexi/Concardis costs appear attractive due to low fixed costs, the high variable fees can increase the total costs if used frequently. This is clearly shown by the payment provider comparison.

  • Transaction fees: depending on the payment method

  • Refund costs: the original transaction fees are retained

  • Fixed costs: €19 per month, €29 setup fee

Calculation for the payment provider comparison:

  • Invoice via Klarna (40%): €0.35 + 2.99%:

    • costs: (2.99% x €50 x 400) + (€0.35 x 400) = €738.00

    • No additional refund costs

  • PayPal (35%): €0.20 + PayPal fees:

    • costs: €0.20 x 350 = €70.00 plus PayPal fees

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): €0.20 + 1.69%:

    • Costs: (1.69% x €50 x 150) + (0.20 x 150) = €165.75

    • No additional refund costs

  • SEPA transfers (10%): Not offered by Nexi Checkout

  • Total cost of Nexi Checkout incl. setup: €964.75 (transaction costs) + €19.00 (monthly fee) + €29.00 (setup fee) = €1,012.75 (plus PayPal fees) // 100 abandoned orders due to unavailable payment method SEPA transfer

Payone fees

Payone offers a wide range of payment options for businesses of all sizes. Payone fees vary depending on the payment method and include a fixed fee per transaction. Payone costs for merchants also include monthly base fees and a setup fee, which can be prohibitive for smaller merchants or those with low sales. Payone can be more expensive and less flexible than other payment providers and Mollie, which offers no fixed costs and a clearer pricing structure.

  • Transaction fees: depending on the payment method plus €0.09

  • Refund fees: Assumption: No additional refund fees

  • Fixed costs: €39 per month, €199 setup fee

Calculation for the payment provider comparison:

  • Invoice via secured purchase (40%): €0.09 + €0.69 + 1.95%:

    • Costs: (1.95% x €50 x 400) + (€0.09 + €0.69 x 400) = €702.00

    • Fixed costs: €10 per month, €49 setup fee

    • No additional refund costs

  • PayPal (35%):

    • Costs: only PayPal fees

    • Fixed costs: €19 per month, €99 setup fee

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): 1.49% + €0.09:

    • Costs: (1.49% x 50 x 150) + (0.09 x 150) = €125.25

    • Fixed costs: €20 per month, €98 setup fee

    • No additional refund costs

  • SEPA transfers (10%): 0.25%

    • Costs: 0.25% x 50 x 100 = €12.50

    • Fixed costs: €10 per month, €49 setup fee

    • No additional refund costs

  • Total costs Payone incl. setup: 839.75 € (transaction costs) + 98 € (monthly fee) + 494 € (setup fee) = 1,431.75 € (plus PayPal fees)

Unzer costs

Unzer is aimed at companies in the German market and offers a wide range of payment options. Unzer fees start at €0.20 plus 1.5% per transaction, supplemented by monthly fixed costs and a setup fee. These Unzer costs can quickly add up, especially for low transaction volumes. In a payment provider comparison, and especially with Mollie, which does not charge monthly fees and offers a simpler cost structure, the total costs with Unzer are often higher. Discover practical Unzer alternatives now.

  • Transaction fees: from €0.20 + 1.5%

  • Refund costs: Assumption: the original transaction fees are retained

  • Fixed costs: from €22.50 per month, €149 setup fee

Calculation for the payment provider comparison:

  • Invoice via Unzer Invoice (40%): 0.35 € + 2.99% (assumed):

    • costs: (2.99% x 50 € x 400) + (0.35 € x 400) = 738.00 €

    • no additional refund costs

  • PayPal (35%): assumed €0.20 + 1.5% + PayPal fees:

    • costs: (1.5% x 50 x 350) + (€0.20 x 350) = €332.50 plus PayPal fees

    • no additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): assumed €0.20 + 1.5%:

    • costs: (1.5% x €50 x 150) + (0.20 x 150) = €172.50

    • no additional refund costs

  • SEPA transfers (10%): assumed €0.20 + 1.5%

    • costs: (1.5% x 50 x 100) + (0.20 x 100) = € 95.00

    • No additional reimbursement costs

  • Total costs for Unzer incl. setup:1,338.00 (transaction costs) + €22.50 (monthly fee) + €149.00 (setup fee) = €1,509.50 (plus PayPal fees)

PayPal costs

PayPal is known worldwide and enjoys a high level of trust among buyers. However, PayPal costs for sellers are €0.39 plus 2.99% per transaction, which can be particularly high for refunds in the payment provider comparison, since the fees are not refunded. Businesses using PayPal for commercial purposes face high costs that can quickly outweigh the advantages of broad acceptance. In contrast, Mollie offers lower transaction costs and a transparent pricing structure that is more predictable for merchants.

  • Transaction fees: €0.39 + 2.99%

  • Refund fees: the original transaction fees are retained

  • Fixed costs: none

Calculation for the payment provider comparison:

  • Invoice/PayPal Pay later (40%): €0.39 + 2.99%:

    • Cost: (2.99% x €50 x 400) + (€0.39 x 400) = €754.00

    • No additional refund costs

  • PayPal (35%): 2.99% + €0.35:

    • Cost: (2.99% x €50 x 350) + (0.39 x 350) = €659.75.

    • No additional refund costs

  • Credit card incl. Apple Pay/Google Pay (15%): €0.29 + 2.99%:

    • Cost: (2.99% x 50 x 150) + (€0.29 x 150) = €267.75

    • Returns: 35% of 150 orders = 52.5 (rounded up to 53) returns

    • Refund costs: none additional, transaction fee is withheld

  • SEPA transfers (10%): Not offered by PayPal

  • Total costs PayPal incl. setup: 1,681.50 € // 100 order cancellations due to unavailable payment method SEPA transfer

How do international payments affect the fees of payment providers?

International payments can incur additional fees due to exchange rates and processing by foreign banks. Payment providers often charge exchange rate premiums (e.g. 2-3%) and fees for converting foreign currencies. These costs vary depending on the payment provider and payment region. Mollie can currently process 27 currencies, with fees varying between 2 and 3%. In addition, Mollie can pay out 8 (soon to be 13) currencies directly without conversion. There are only 1% payout fees for this.

What is the best way to compare payment providers' fees?

Compare the fee structure (transaction fees, monthly fixed costs, refund costs), additional costs for international transactions and the available payment methods. Look at your current provider's fee statement and use tools or comparison tables for other providers to calculate the total costs for your transaction volume and your specific payment requirements.

How do different payment methods affect fees?

Each payment method has specific fees. Credit card payments are usually more expensive than SEPA transfers. Digital wallets such as Apple Pay or PayPal have additional fixed and variable fees. The choice of payment method directly influences the transaction costs that merchants have to pay.

How are the costs for payment providers calculated?

The costs consist of variable fees (e.g. percentage of revenue) and fixed fees (per transaction). In addition, there may be monthly costs, setup fees and other costs. Payment providers usually publish detailed fee structures on their websites that cover all costs. In the payment provider comparison, we compared the most important fees of different providers based on an example company.

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MollieGrowthPayment provider comparison: The best providers for your online shop
MollieGrowthPayment provider comparison: The best providers for your online shop
MollieGrowthPayment provider comparison: The best providers for your online shop