The verdict in three sentences
Integrating online payment into an SME's system costs between EUR 2,000 and EUR 8,000 excl. tax in development in 2026, plus commissions of 0.9 to 2.5 % + EUR 0.25 per transaction. The real cost is not the integration but the cumulative commission rate on your annual volume: at high average amounts, every tenth of a percent counts. 3-D Secure is mandatory and automatic reconciliation is what saves your accounting team time.
What gateway integration covers
Wiring a payment is not just pasting a button. You must handle the tunnel, 3-D Secure, confirmation webhooks, refunds and reconciliation with your accounting or ERP.
| Integration item | 2026 range (EUR excl. tax) | Detail |
|---|---|---|
| Payment tunnel + 3-D Secure | 1,000 - 3,000 | Secure journey, strong authentication |
| Webhooks and status handling | 800 - 2,000 | Confirmation, failure, refund |
| ERP / accounting reconciliation | 1,500 - 4,000 | Automatic matching of settlements |
| Instalment / deferred payment | 1,000 - 3,000 | 3x/4x, B2B terms |
| Testing and go-live | 800 - 2,500 | Test cards, acceptance, live switch |
A simple card + transfer integration fits within EUR 2,000 to 4,000. As soon as you add ERP reconciliation and instalments, expect EUR 5,000 to 8,000.
Stripe, Adyen or bank solution: cost by volume
The three options are not equal depending on your volume and average amount. Here are the 2026 orders of magnitude for Europe.
| Criterion | Stripe | Adyen | Bank solution |
|---|---|---|---|
| Card commission | 1.4 % + EUR 0.25 | 0.9 - 1.6 % + EUR 0.11 | 0.8 - 1.8 % negotiated |
| Fixed monthly fees | 0 | 0 (min. volume) | EUR 15 - 40 |
| Integration ease | Very high | Medium | Low |
| Suited to | Micro/SME | Mid-cap, high volume | Stable volume |
| Reconciliation | Rich API | Enterprise API | Bank file |
| Cost on EUR 500k/year | ~EUR 7,250 | ~EUR 5,500 - 8,000 | ~EUR 6,000 - 9,000 |
Below EUR 300,000 annual volume, Stripe wins on simplicity. Above EUR 1M, Adyen or a negotiated bank solution save several thousand euros a year on commission.
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
Mini case study
Karim, head of a trading SME in Marseille, collects EUR 620,000/year online with an average basket of EUR 340, i.e. about 1,820 transactions. Moving from a 1.9 % card solution to a Stripe integration at 1.4 % + EUR 0.25, he saves about EUR 3,100 in commissions per year. The integration with ERP reconciliation costs him EUR 5,500 excl. tax but removes 6 hours/month of manual matching (about EUR 1,800/year). It all pays off in a little over a year.
FAQ
Is 3-D Secure mandatory? Yes, strong authentication (SCA) has been required in Europe since PSD2. A serious gateway integrates it natively; never work with a solution that does not offer it.
Can I offer instalments in B2B? Yes, via 30/60 day terms or 3x/4x solutions. Expect EUR 1,000 to 3,000 of integration; it improves conversion on large baskets.
How does automatic reconciliation work? Every settlement confirmed by webhook is matched to the corresponding invoice in your ERP or accounting software, removing manual entry and making cash flow reliable.
Which gateway for low volume? Below EUR 300,000/year, Stripe remains the best simplicity/cost ratio at 1.4 % + EUR 0.25 and zero fixed fee. Adyen becomes attractive at higher volume.
How long to integrate a payment? A standard integration takes 2 to 4 weeks; add 1 to 2 weeks for ERP reconciliation and end-to-end testing before go-live.
Let's scope your project. Tell us your annual volume, average basket and ERP, with an indicative integration budget between EUR 2,000 and EUR 8,000 excl. tax. 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.
