The verdict in three sentences
Wiring an aggregator (Stripe, Mollie) into your site costs 4,000 to 12,000 EUR and takes 3 to 8 weeks. Transaction fees range from 1.4 % + 0.25 EUR (EU cards via Stripe) to 2.9 % + 0.30 EUR (non-EU cards), but in B2B the line that really weighs is net-terms payment and automatic accounting reconciliation (3,500 to 9,000 EUR). A custom multi-PSP setup is only justified if you stack several countries, currencies and methods; otherwise, an aggregator well integrated with your ERP covers the essentials.
Fees and integration costs in 2026
In B2B, a 12,000 EUR transfer collected at 2.9 % costs 348 EUR: the payment method choice hits margin directly. Here are the 2026 benchmarks.
| Item | 2026 range | Note |
|---|---|---|
| EU card fee (Stripe) | 1.4 % + 0.25 EUR | per transaction |
| Non-EU card fee | 2.9 % + 0.30 EUR | per transaction |
| SEPA transfer | 0 – 0.35 EUR | near-fixed |
| Payment integration | 4,000 – 12,000 EUR | 3 – 8 wks |
| Net terms / B2B BNPL module | 6,000 – 18,000 EUR | rules-dependent |
| Automatic reconciliation | 3,500 – 9,000 EUR | key in B2B |
On large B2B baskets, favoring SEPA transfer over card can save several thousand euros in fees per year. Bake that trade-off into the payment journey from the start.
Aggregator or custom multi-PSP?
Both models coexist. The choice depends on method count, currencies and your volume. Compare.
| Criterion | Aggregator (Stripe/Mollie) | Custom multi-PSP |
|---|---|---|
| Entry cost | 4,000 – 12,000 EUR | 15,000 – 40,000 EUR |
| Lead time | 3 – 8 weeks | 8 – 16 weeks |
| B2B net terms | Module 6,000 – 18,000 EUR | Custom included |
| Multi-currency / country | PSP-limited | Optimized |
| PSD2 / SCA compliance | Handled by PSP | To integrate and audit |
| Annual maintenance | 10 – 14 % | 10 – 14 % |
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Mini case study
Nadia, CFO of an industrial SME in Singapore, collects 240 invoices/month, average basket 3,800 EUR. Previously 100 % by manually matched transfer: ~14 h/month reconciling. An integration at 9,500 EUR with automatic reconciliation (+5,500 EUR) cuts that to ~3 h/month, freeing 11 h. At a loaded 32 EUR/h, that's ~4,200 EUR/year, plus shorter collection times that improve cash flow.
FAQ
What are the real fees on a B2B transaction? From 1.4 % + 0.25 EUR for an EU card via Stripe to 2.9 % + 0.30 EUR non-EU. On a SEPA transfer, fees are near zero (0 to 0.35 EUR): favor them on large baskets.
What does integration cost? Plan 4,000 to 12,000 EUR to wire an aggregator, 3 to 8 weeks lead time. Add 3,500 to 9,000 EUR for automatic accounting reconciliation, essential in B2B.
Can net terms be handled online? Yes, via a dedicated module of 6,000 to 18,000 EUR depending on your rules (installments, caps, B2B BNPL). It aligns online payment with your existing T&Cs.
How to handle PSD2/SCA compliance? With an aggregator, strong authentication is handled by the PSP. In custom multi-PSP, you must integrate and audit it: budget time and a dedicated compliance test.
Do we need a custom multi-PSP? Only if you stack several countries, currencies and payment methods at high volume. Below that, an aggregator well integrated with the ERP (4,000–12,000 EUR) is more profitable over 3 years.
Let's scope your project. Send us your payment methods, monthly volume and accounting software: we'll price the integration and reconciliation. 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.
