The verdict in three sentences
In 2026, adding online payment to a B2B site is an integration project of 3,000 to 15,000 EUR excl. VAT, plus transaction fees of 0.5 to 2.9% + 0.25 EUR depending on the method. The real question isn't the card but the card + transfer + SEPA direct debit + automated reconciliation combination suited to high B2B amounts. Budget 2 to 5 weeks of implementation and PCI-DSS SAQ-A compliance if you never store card numbers.
How much integration costs in 2026
Cost depends on the number of payment methods, checkout customization and the connection to your ERP/accounting. 2026 order of magnitude for the French market:
| Scope | Integration (EUR excl. VAT) | Timeline | Methods |
|---|---|---|---|
| Simple payment button | 3,000 - 5,000 | 2-3 weeks | Card |
| Standard B2B checkout | 5,000 - 9,000 | 3-4 weeks | Card + transfer |
| Checkout + SEPA debit | 8,000 - 12,000 | 4-5 weeks | Card + transfer + SEPA |
| Checkout + ERP reconciliation | 12,000 - 15,000 | 5-6 weeks | All + auto matching |
Add secure hosting, maintenance (80 to 300 EUR/month in France) and end-to-end testing.
Transaction fees: provider comparison
Fees vary by method and volume. In B2B, transfer and SEPA direct debit are decisive because they cap commission on large baskets. 2026 order of magnitude estimate:
| Provider | Card | Transfer | SEPA | Setup |
|---|---|---|---|---|
| Stripe | 1.5% + 0.25 EUR | 0.80 EUR | 0.35% (max 5 EUR) | 0 EUR |
| Mollie | 1.8% + 0.25 EUR | 0.25 EUR | 0.25 EUR + 0.25% | 0 EUR |
| PayPlug | 1.2% + 0.25 EUR | Quote | Quote | 0 EUR |
| Bank (VAD) | 0.5 - 1.2% | 0 - 1 EUR | 0.20 EUR | 150 - 400 EUR |
| GoCardless | - | - | 1% (cap 4 EUR) | 0 EUR |
For an average B2B basket of 2,500 EUR, moving a client from card (1.8%, i.e. 45 EUR) to SEPA (4 EUR cap) saves 41 EUR per invoice.
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Mini case study
Claire, CFO of a 45-employee industrial SME in Lyon, processes 180 invoices/month, average basket 2,500 EUR. By shifting 60% of volume to SEPA direct debit instead of card, she moves from 45 EUR to 4 EUR in fees on those transactions. On 108 invoices/month, savings are 108 x 41 EUR = 4,428 EUR/month, i.e. 53,136 EUR/year. The 10,000 EUR integration pays back in under 3 months, before counting the collection hours saved.
FAQ
Do I need PCI-DSS certification? Yes, but if you use a hosted checkout (Stripe, Mollie) and never touch card data, you fall under the simplified SAQ-A self-assessment, free and declarative. The provider carries the heavy certification burden.
How long to go live? Budget 2 to 5 weeks depending on scope: a simple card button in 2 weeks, a checkout with SEPA and ERP reconciliation in 5 to 6 weeks, testing included.
Is SEPA direct debit worth it? In B2B yes: on baskets above 1,000 EUR, the commission cap (often 4-5 EUR) makes SEPA up to 10x cheaper than card. It's the main savings lever.
How do I handle failed payments? An automated dunning module (email/SMS) cuts unpaid invoices by 15 to 30%. Also plan an electronically signed SEPA mandate to secure recurring debits.
Can I keep my bank? Yes, via a bank VAD solution, often cheaper on card (0.5-1.2%) but with a more technical setup and integration. Some combine bank (card) + aggregator (SEPA) to optimize.
Let's scope your project. Tell us your monthly volume, average basket and target payment methods, and we'll price integration plus optimized fees. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
