The verdict in three sentences
For a European B2B store in 2026, Stripe remains the best features-to-price ratio, Mollie wins on simplicity and fast payout, PayPlug is strong on the French market with tailored deals, and Adyen only pays off above 500 000 EUR/month. The right choice depends on your volume, average order value and SEPA / multi-currency needs. Never compare the headline rate alone: fold in fixed fees, payout and integration cost.
The 2026 priced comparison
| Gateway | EU card fee | Fixed fee | Payout | Integration (EUR) |
|---|---|---|---|---|
| Stripe | 1.5 % | 0.25 EUR | D+2 to D+7 | 3 000 – 12 000 |
| Mollie | 1.8 % | 0.25 EUR | D+1 to D+3 | 2 500 – 8 000 |
| PayPlug | 1.2 – 2.4 % | 0.25 EUR | D+1 to D+3 | 3 000 – 10 000 |
| Adyen | Interchange++ | ~0.11 EUR | D+1 to D+2 | 8 000 – 20 000 |
| PayPal Commerce | 2.9 % | 0.35 EUR | Instant | 1 500 – 5 000 |
Mollie's and PayPlug's D+1 payout eases cash flow; Stripe's possible D+7 weighs on young stores. Adyen shows Interchange++, more transparent but opaque at first glance.
B2B features that make the difference
| Feature | Stripe | Mollie | PayPlug | Adyen |
|---|---|---|---|---|
| Native recurring billing | Yes | Yes | Partial | Yes |
| B2B SEPA | Yes | Yes | Yes | Yes |
| Multi-currency | 135+ | 25+ | Limited | 150+ |
| Pay in installments | Via partner | Yes | Yes | Via partner |
| Advanced reconciliation | Yes | Basic | Yes | Yes (enterprise) |
| Terminal / omnichannel | Yes | No | Yes | Yes |
For a B2B pure player with subscriptions, Stripe and Adyen lead. For a single-currency French SME, PayPlug and Mollie are enough and cheaper to integrate.
Mini case study
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Sophie, head of a medical-equipment e-commerce in Lille, collects 220 000 EUR/month, average order 340 EUR, i.e. 647 transactions. At 2.9 % + 0.35 EUR (PayPal), she pays 6 606 EUR/month. Switching to Stripe at 1.5 % + 0.25 EUR, the bill drops to 3 462 EUR/month. Savings: 3 144 EUR/month, or 37 728 EUR/year. Even with a 10 000 EUR integration, payback comes in 3.2 months.
FAQ
Which provider to start fast? Mollie and PayPlug offer the quickest go-live, often 2 to 3 weeks with a hosted checkout.
At what volume should I move to Adyen? Interchange++ truly pays off above 500 000 EUR/month; below that, fixed fees and complexity weigh on you.
Can I combine several gateways? Yes, multi-gateway routing lifts acceptance by 1 to 3 points but doubles reconciliation workload.
Do fast payouts cost more? An instant or accelerated D+1 payout often adds 0.5 to 1 %; reserve it for cash-flow pressure.
How do I compare objectively? Simulate each offer on your real volume and average order, fixed fees included: the annual gap often exceeds 10 000 EUR.
Let's scope your project. Send us your volume, average order and payment methods, and we will simulate each gateway and deliver the chosen integration. 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.
