The verdict in three sentences
In B2B, collecting online is not just about pasting a "pay by card" button: you must handle 30/60-day terms, SEPA transfer, direct debit and above all automatic reconciliation with the invoice. The real choice is between a standard PSP (Stripe, Mollie) bolted on quickly and a solution integrated with your invoicing that reconciles payments on its own. Budget 4,500 to 13,000 EUR in 2026 for a clean integration, paid back by -8 days of DSO and -70% reconciliation time.
Choosing the right B2B payment method
In B2B, cards are rarely dominant: amounts are high and buyers think in transfers or terms. The right reflex is to offer several channels and automate their reconciliation.
| Payment method | 2026 fees (order of magnitude) | Collection delay | B2B fit |
|---|---|---|---|
| Card | 0.8 - 1.4% + 0.25 EUR | Immediate | Weak on large amounts |
| SEPA transfer | 0.10 - 0.35 EUR/operation | 1 - 2 days | Excellent |
| SEPA direct debit | 0.25 - 0.45% (capped) | 2 - 5 days | Very good (recurring) |
| Payment on 30/60-day terms | 1 - 3% (if financed) | Guaranteed deferred | Native B2B |
A good setup combines transfer for large amounts, direct debit for recurring customers and card for one-offs. What matters is not the unit fee but the human time saved on reconciliation.
Integration budget and cash-flow impact
| Item | 2026 order of magnitude | Measurable effect |
|---|---|---|
| PSP integration (card + transfer) | 4,500 - 9,000 EUR | Multi-channel collection |
| Automatic invoice reconciliation | 2,000 - 5,000 EUR | -70% reconciliation time |
| Payment on terms / dunning | 2,000 - 4,000 EUR | -8 days of DSO |
| Total timeline | 3 - 8 weeks | Progressive go-live |
| Recurring PSP fees | 0.25 - 1.4% + 0.25 EUR | Depending on payment mix |
For an SME invoicing 3M EUR/year, 8 fewer days of DSO represent about 66,000 EUR of cash freed permanently. Automatic reconciliation often saves 0.5 to 1 accounting FTE.
Mini case study
Claire is CFO of an industrial SME in Lyon: 3.2M EUR revenue, a 52-day DSO, an accountant spending 2 days a week reconciling transfers. She integrates a PSP with the invoicing for 10,500 EUR. Result: DSO drops to 44 days (-8 days = ~70,000 EUR of cash freed) and automatic reconciliation returns 1.4 days/week of accounting time, about 16,000 EUR/year. The integration pays back in under 3 months, before counting the cash-flow gain.
FAQ
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How much does a B2B online payment integration cost in 2026?
Between 4,500 and 13,000 EUR depending on payment methods and the depth of automatic reconciliation. Simply wiring a card button costs less but leaves all reconciliation to be done by hand.
What are the real PSP fees?
Budget 0.25 to 1.4% + 0.25 EUR per transaction by method: card is the most expensive, SEPA transfer the cheapest (0.10 to 0.35 EUR per operation). In B2B, favoring transfers mechanically lowers the PSP bill.
Can I collect a 30- or 60-day payment online?
Yes: either via scheduled direct debit at term, or via a financing layer (guaranteed deferred payment) charged 1 to 3%. The portal keeps the trace and dunns automatically.
How much DSO can I really gain?
2026 feedback centers on -8 days of DSO thanks to online payment and automatic dunning. On 3M EUR of revenue, that frees around 66,000 EUR of durable cash.
Do I need to rebuild everything or plug into the existing tool?
In 80% of cases we plug into the existing invoicing software via API or connector, in 3 to 8 weeks. A full replacement is only justified if the current tool cannot open up.
Let's scope your project. Tell us your invoicing software, your invoice volume and your current DSO: we'll frame the integration and an indicative budget (often 4,500-13,000 EUR). 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.
