The verdict in three sentences
A serious online payment integration for a B2B site sits between EUR 6,000 and 25,000 in 2026, excluding PSP commissions. The real financial lever is not the development but the transaction failure rate: every point recovered maps straight to revenue. A sharp CFO therefore compares the upfront cost AND the recurring commission cost over 24 months before deciding.
What integration costs in 2026
The budget depends on scope: a simple payment button, or a full checkout with 3-D Secure, instalments, invoicing and accounting reconciliation. Here are the 2026 orders of magnitude seen on the London market.
| Scope | Delay | Price EUR |
|---|---|---|
| Simple card payment (1 PSP) | 2-3 weeks | 6,000 - 9,000 |
| B2B checkout + 3-D Secure v2 | 3-4 weeks | 9,000 - 15,000 |
| + Pay in 3-4 instalments | +1 week | +2,500 - 4,000 |
| + Auto accounting reconciliation | +1-2 weeks | +3,000 - 6,000 |
| Multi-PSP orchestration | 4-6 weeks | 18,000 - 25,000 |
| Annual maintenance | recurring | 1,500 - 4,000 / year |
On top of this budget come the payment provider fees, billed on each transaction and not at setup.
PSP commissions: the real 24-month cost
Stripe and Adyen dominate European B2B. Their commissions look small per unit but weigh heavily on annual volume. Comparison of 2026 rate cards (order of magnitude).
| Provider | EU card commission | Fixed fee | 3-D Secure | Instalments |
|---|---|---|---|---|
| Stripe | 1.4% | EUR 0.25 | included | via partner |
| Adyen | 1.6% + interchange | EUR 0.11 | included | module |
| Classic bank PSP | 1.8 - 2.9% | EUR 0.20 | optional | rare |
| Multi-PSP orchestrator | variable | variable | smart | yes |
On a volume of EUR 500,000 collected per year, moving from 2.5% to 1.5% commission saves EUR 5,000 per year, more than the extra cost of a well-built integration.
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Mini case study
Claire, CFO of an industrial SME in London, collects EUR 40,000/month in B2B orders, today by bank transfer with a 12-day average collection delay. She invests EUR 13,000 in a Stripe checkout with 3-D Secure and pay-in-3. Result: collection delay cut to 2 days, working capital need eased by around EUR 15,000, and a measured payment failure rate of 3.8%. Commissions (1.4% + EUR 0.25) cost her EUR 6,720/year, offset by freed cash and fewer manual chases (about 6 hours/week saved for accounting).
FAQ
What is the minimum budget to collect online seriously? Count on EUR 6,000 for a clean card checkout with 3-D Secure v2. Below that, you get a simple payment link, insufficient for a recurring B2B flow.
How long until go-live? Between 2 and 6 weeks depending on scope. 3-D Secure and accounting reconciliation are the items that stretch the delay.
What failure rate should I target? A well-tuned B2B checkout runs under 5% failure. Above that, you lose revenue: smart retry and smart 3-D Secure often recover 2 to 4 points.
Stripe or Adyen? Stripe for fast integration and mid volumes; Adyen once volume exceeds EUR 1M/year and interchange++ becomes advantageous.
Is pay-in-instalments worth the extra cost? Yes in B2B on high baskets: it lifts conversion by 10 to 20% on orders above EUR 1,500, for an integration surcharge of EUR 2,500 to 4,000.
Let's scope your project. Describe your monthly volume, target payment methods and timeline: we cost the integration and the optimal commission structure. 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.
