Choosing a payment service provider for a B2B SME in Dublin in 2026

The verdict in three sentences

For a Dublin SME invoicing 400 business customers, the payment provider should be chosen on SEPA direct debit and automated reminders far more than on card rates. Stripe is the most complete for recurring billing and APIs, Mollie the simplest to plug in with readable pricing, and PayPlug suits companies wanting a French-based player with strong French-language support for their EU operations. On a typical B2B flow, the fee difference between the three often comes down to a few hundred euros a year, while the wrong payment method can cost weeks of cash flow.

Fees and features compared

2026 order of magnitude based on standard public pricing, excluding negotiated deals. Pricing changes: check the current schedule before signing.

SEPA direct debit changes everything in B2B: on a 2,400 EUR invoice, a card at 1.5% + 0.25 EUR costs 36.25 EUR, against 0.35 to 0.80 EUR by direct debit. For recurring customers, a SEPA mandate signed online is almost always the better deal.

Website integration and B2B use cases

Integration ranges from a simple payment link on the invoice to a full connection with your invoicing software and customer portal. 2026 benchmarks, order of magnitude for the Irish market.

B2B deferred payment goes through specialist players who advance the cash and carry the default risk. It costs more than a card, but replaces part of your credit insurance and chasing effort.

If the customer portal is part of a website project, Kolonell includes it in its offers: Growth websites from 1,830 to 3,050 EUR (1,200,000 to 2,000,000 FCFA), or a simple custom application from 3,810 to 6,100 EUR (2,500,000 to 4,000,000 FCFA) for an invoice payment portal connected to your billing tool.

Mini case study

Helen, managing director of an office equipment maintenance SME in Dublin (illustrative persona), invoices 400 customers an average of 480 EUR per month. Today, 70% pay by bank transfer, often late, and 30% by card through an online terminal.

Calculation: by card at 1.5% + 0.25 EUR, a 480 EUR invoice costs 7.45 EUR, so 894 EUR per month for her 120 card customers. By moving 300 customers to SEPA direct debit at 0.35 EUR, her fees on those drop to about 105 EUR per month, and the remaining 100 card customers cost 745 EUR. Above all, the average collection time falls from 41 to 5 days, which permanently frees about 400 × 480 × 36 / 30 = 230,000 EUR of cash. At a 5% annual financing cost, that is about 11,500 EUR of interest avoided each year: a 4,500 EUR integration pays for itself in 5 months.

FAQ

Stripe, Mollie or PayPlug: which is cheapest?

For standard European cards, the gaps are about 0.3 points. On 50,000 EUR collected per month, that is 150 EUR, less than the impact of a good SEPA direct debit uptake.

Is SEPA direct debit suitable for B2B?

Yes, with the SEPA B2B scheme or the Core scheme depending on the case. The Core scheme gives the customer 8 weeks to dispute, the B2B scheme removes that right but requires validation by the customer's bank.

Can we offer 30-day terms online?

Yes, through a B2B deferred payment partner that pays you within 2 to 3 days and collects from the customer at the due date. Fees range from 1 to 4% depending on duration and customer profile.

How long does it take to go live?

Account opening and KYC checks take 1 to 5 days with all three providers. Technical integration ranges from a few hours for a payment link to 6 weeks for automated recurring billing.

Do we need several providers?

Above 1 M EUR collected per year, a backup provider limits the risk of an account freeze. Below that, one is enough in most cases.

Let's scope your project. Tell us your invoiced volume, current payment methods and billing tool: we will price the integration, from 1,500 to 6,000 EUR depending on the level, with a precise timeline. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.