The verdict in three sentences
There is no single "best" B2B PSP, only the best PSP for your flow mix: large recurring baskets, one-offs, international. SEPA direct debit (GoCardless) crushes cards on recurring flows, cards stay king of one-offs, Adyen/Stripe shine internationally. In Singapore in 2026, the right choice is decided on fees + reconciliation + integration cost, not commission alone.
Comparison of the main B2B PSPs
Here are the five most relevant providers for a B2B SME in 2026, with indicative fees and integration cost.
| PSP | Main fees | Strength | Integration |
|---|---|---|---|
| Stripe | 1.5 % + 0.25 EUR (card) | ecosystem, international | 4,000-12,000 EUR |
| Mollie | 1.8 % + 0.25 EUR (card) | simplicity, EU | 3,500-10,000 EUR |
| GoCardless | 0.35 % + 0.20 EUR (SEPA, cap 2.50 EUR) | recurring SEPA | 5,000-15,000 EUR |
| Stancer | 1.4 % + 0.25 EUR (card) | competitive pricing | 4,000-9,000 EUR |
| Adyen | 1.6 % + 0.11 EUR (card) | volume, omnichannel | 8,000-20,000 EUR |
On recurring SEPA, GoCardless caps at 2.50 EUR per transaction: on a 3,000 EUR basket, that is 2.50 EUR versus 45 EUR on a Stripe card. The annual gap quickly runs into thousands.
Real fees by flow type
Cost depends on basket and recurrence. Let us simulate three B2B SME profiles for an average basket of 2,500 EUR.
| Flow profile | Best option | Cost per transaction | Annual cost (500 txn) |
|---|---|---|---|
| 100 % recurring | GoCardless SEPA | 2.50 EUR | 1,250 EUR |
| 100 % one-off card | Stancer | 37.50 EUR | 18,750 EUR |
| 50/50 mix | Stripe + SEPA | ~20 EUR | ~10,000 EUR |
| International | Adyen/Stripe | ~40 EUR | ~20,000 EUR |
| Transfer only | bank | ~1 EUR | ~500 EUR |
A 100 % recurring customer who stays on cards "out of habit" overpays around 17,500 EUR/year versus SEPA: migration is often the first gain to unlock.
Mini case study
Julien, CFO of a B2B services SME in Singapore (revenue 3.2 M EUR, 480 invoices/year, 70 % recurring customers, average basket 2,500 EUR). He currently pays 1.8 % on Mollie cards for everything, ~21,600 EUR/year in fees. By shifting the 70 % recurring to GoCardless SEPA (2.50 EUR cap), his bill falls to ~7,800 EUR/year, i.e. ~13,800 EUR saved per year. Migration cost: 6,000 EUR of integration, paid back in under 6 months.
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FAQ
Which PSP should a B2B SME choose in 2026?
It depends on your mix: GoCardless SEPA for recurring, Stancer or Stripe for cards, Adyen/Stripe for international. The right choice often combines two providers.
Is SEPA direct debit really cheaper than cards?
Yes on large baskets: GoCardless caps at 2.50 EUR per transaction versus 1.4 to 1.8 % on cards. On a 2,500 EUR basket, the gap exceeds 35 EUR per operation.
How much does B2B PSP integration cost?
Between 4,000 and 15,000 EUR depending on the number of payment methods, reconciliation and accounting exports. Multi-method with automatic matching trends higher.
Can we combine several PSPs?
Yes, and it is often optimal: SEPA for recurring, cards for one-offs and international. An orchestration layer unifies reconciliation and avoids lock-in.
How do we make reconciliation reliable?
By automatically matching orders, payments and statements, with exports to your accounting software. This 1,500 to 4,000 EUR integration line eliminates hours of manual entry.
Let's scope your project. Send us your flow mix (recurring, one-off, international) and average basket, and we will cost the cheapest PSP combination. 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.
