The verdict in three sentences
Offering several B2B payment methods costs between 8,000 and 25,000 EUR (excl. VAT) to integrate, depending on methods and reconciliation. What matters is not the unit transaction fee but controlling DSO and automatic reconciliation. Budget 3 to 6 weeks for a clean, tested, compliant integration.
Fees per payment method
| Method | Indicative 2026 fee | Settlement time | B2B use |
|---|---|---|---|
| Corporate card | 1.2 - 2.5 % + 0.25 EUR | Immediate | Small amounts, urgent |
| SEPA transfer | 0.10 - 0.50 EUR / operation | 1 - 2 days | Medium/high amounts |
| SEPA B2B direct debit | 0.20 - 0.60 EUR | 2 - 3 days | Subscriptions, recurring |
| Payment on 30/60-day terms | Credit insurance 0.3 - 1 % | On due date | Recurring customers |
| Instant transfer | 0.50 - 1 EUR | Immediate | Large urgent amounts |
For high-basket B2B, SEPA transfer stays the cheapest; card is a top-up. Payment on terms is a strong sales argument but exposes you to bad-debt risk.
Integration cost
| Element | Scope | Estimate EUR (excl. VAT) |
|---|---|---|
| Card gateway + 3DS | Integration, tests, PCI | 2,500 - 6,000 |
| Transfer / SEPA + reconciliation | Auto matching, reminders | 3,000 - 9,000 |
| Payment on terms | Credit limits, caps, scoring | 2,500 - 7,000 |
| Accounting / ERP reconciliation | Export, matching, entries | 2,000 - 6,000 |
| Maintenance (yearly) | Monitoring, evolutions | 2,000 - 5,000 / year |
Impact on DSO
Automating reminders and online payment typically reduces DSO (days sales outstanding) by 7 to 15 days. For an SME invoicing 12M EUR/year, 10 fewer DSO days permanently free up about 330,000 EUR of cash.
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Mini case study
Julian, CFO of a trading SME in Dublin (12M EUR revenue, DSO at 62 days), integrates card + SEPA transfer + payment on terms for 18,000 EUR (excl. VAT). Automatic reminders and online payment bring DSO to 50 days, i.e. 12 days gained: ~395,000 EUR of cash freed. Card fees on the share collected that way are negligible against the cash gain and lower bad debt. Near-immediate payback.
FAQ
Should we offer cards in B2B? Yes, as a top-up for small and urgent amounts, but steer large baskets toward transfer, which is far cheaper.
Is payment on terms risky? Yes without guardrails. Credit caps, scoring and credit insurance (0.3 to 1 %) contain bad-debt risk.
Is automatic reconciliation worth it? Almost always: it removes hours of manual matching and makes accounting reliable, for 2,000 to 6,000 EUR of integration.
What real gain to expect? The true ROI is lower DSO: 7 to 15 fewer days free up cash proportional to your revenue.
How long to integrate? A tested, compliant multi-method integration takes 3 to 6 weeks depending on reconciliation complexity.
Let's scope your project. Tell us your revenue, current DSO and target payment methods and we will cost the integration and the expected cash gain. 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.