The verdict in three sentences
A clean online payment integration for a B2B SME lands between 4 000 and 18 000 EUR in 2026, excluding transaction fees. The real recurring cost is gateway fees (1.4 to 2.9 % + 0.25 EUR) and accounting reconciliation time. Scoped well, the project ships in 3 to 6 weeks and pays off as soon as your checkout converts better thanks to frictionless 3-D Secure 2.
What an integration actually covers
Many owners confuse "plugging in Stripe" with "integrating payments." The latter includes the checkout flow, webhook handling, reconciliation, refunds, invoicing and compliance. Here are the 2026 line items and their ballpark.
| Integration item | Scope | 2026 cost (EUR) |
|---|---|---|
| Card checkout + 3DS2 | Hosted checkout or embedded elements | 2 000 – 4 500 |
| Webhooks & order states | Success, failure, refund, dispute | 1 500 – 4 000 |
| SEPA / bank transfer | B2B direct debit, mandate | 1 200 – 3 500 |
| Accounting reconciliation | Export, matching, ledger exports | 1 800 – 5 000 |
| Refund back-office | Partial, credit notes, disputes | 1 000 – 2 800 |
| SCA testing & UAT | Test cards, failure scenarios | 1 000 – 2 200 |
A Starter project (hosted checkout, one gateway, simple reconciliation) fits within 4 000 – 7 000 EUR. A full B2B project (SEPA, multi-currency, ERP reconciliation, dunning) rises to 12 000 – 18 000 EUR.
Fees: the cost that lasts
Integration is paid once; fees, on every sale. Compare on your real average order value, not the headline rate.
| Gateway | EU card fee | Fixed fee / transaction | Payout |
|---|---|---|---|
| Stripe | 1.5 % | 0.25 EUR | D+2 to D+7 |
| Mollie | 1.8 % | 0.25 EUR | D+1 to D+3 |
| PayPlug | 1.2 – 2.4 % | 0.25 EUR | D+1 to D+3 |
| Adyen | Interchange++ | ~0.11 EUR | D+1 to D+2 |
| PayPal | 2.9 % | 0.35 EUR | Instant wallet |
On a 180 EUR average order and 500 transactions/month, moving from 2.9 % to 1.5 % saves about 1 260 EUR/month, or 15 120 EUR/year: more than the full integration cost.
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Mini case study
Marc, owner of an industrial-supplies SME in Nantes, collects 90 000 EUR/month online at 2.9 % via a legacy PayPal module, i.e. 2 610 EUR in monthly fees. He invests 8 500 EUR in a Stripe + SEPA integration with ERP reconciliation at 1.5 %. New fees: 1 350 EUR/month. Savings: 1 260 EUR/month. The integration pays back in 6.7 months, and reconciliation saves his accounting team 6 hours/month.
FAQ
How much is a minimal integration? A single-gateway hosted checkout with simple reconciliation starts around 4 000 EUR, deliverable in 2 to 3 weeks.
Are fees negotiable? Yes, above 50 000 EUR/month in volume, most providers offer Interchange++ rates, often 0.3 to 0.8 point below the standard tariff.
Must I handle PCI-DSS myself? With a hosted or tokenized checkout, you stay in SAQ-A, the lightest scope: no card data touches your servers.
How long to go live? Expect 3 to 6 weeks depending on reconciliation and the number of payment methods, SCA testing included.
Is B2B SEPA worth it? For high, recurring orders, SEPA direct debit cuts fees to a few cents per transaction, far cheaper than cards.
Let's scope your project. Tell us your monthly volume, average order value and target payment methods, and we will price the integration and the fee savings. 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.
