The verdict in three sentences
In B2B, the PSP is not just a commission: it is a total cost (card rate + fixed fees + setup + reconciliation + SEPA rails). On 50,000 EUR/month of collected revenue, the gap between the most expensive and the most efficient PSP reaches 400-900 EUR/month, i.e. 5,000-11,000 EUR/year. The right 2026 strategy combines card for immediacy, SEPA for large amounts and deferred payment to retain key accounts.
PSP commission comparison (2026)
| PSP | Intra-EU card | Non-EU card | Fixed fee / transaction | Setup |
|---|---|---|---|---|
| Stripe | 1.4 % | 2.9 % | 0.25 EUR | 0 EUR |
| PayPal | 2.9 % | 3.4 % | 0.35 EUR | 0 EUR |
| Mollie | 1.8 % | 2.9 % | 0.25 EUR | 0 EUR |
| Stancer | 1.4 % | 2.9 % | 0.25 EUR | 0 EUR |
| SEPA transfer | ~0.2 % or fixed | n/a | 0.10 - 0.35 EUR | bank-dependent |
Rates are 2026 orders of magnitude, before volume negotiation. Above ~30,000 EUR/month, most PSPs accept tiered rates: that is a CFO's first lever.
Simulated monthly cost on 50,000 EUR revenue
Assumption: 400 transactions/month, 125 EUR average basket, 90 % intra-EU cards, 10 % non-EU.
| PSP | Variable commission | Fixed fees (400 tx) | Total monthly cost |
|---|---|---|---|
| Stripe | ~720 EUR | 100 EUR | ~820 EUR |
| Mollie | ~945 EUR | 100 EUR | ~1,045 EUR |
| PayPal | ~1,495 EUR | 140 EUR | ~1,635 EUR |
| SEPA (50 % of revenue) | ~150 EUR | ~40 EUR | ~190 EUR (SEPA share) |
By moving 40 % of revenue from PayPal card to SEPA + Stripe, this CFO goes from ~1,635 EUR to ~750 EUR/month: about 885 EUR/month saved.
Card vs SEPA vs B2B deferred payment
| Method | Cost | Settlement time | Best for |
|---|---|---|---|
| Card | 1.4 - 3.4 % | D+1 to D+2 | Small amounts, instant |
| SEPA transfer | ~0.2 % / fixed | D+1 to D+2 | Large amounts |
| SEPA direct debit | ~0.3 % + fixed | D+2 to D+3 | Subscriptions, recurring |
| Deferred payment (30/60 d) | +2 to 4 % (B2B BNPL) | deferred, guaranteed | Retaining key accounts |
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B2B BNPL (deferred B2B payment, 2-4 %) shifts default risk to the provider while offering your customer terms: a strong commercial argument, provided you measure its cost against margin.
Mini case study
Martine is CFO of a B2B industrial-supplies SME in Montreal, EU subsidiary included: 52,000 EUR/month collected, historically 100 % via PayPal. By introducing SEPA transfer for orders over 800 EUR (45 % of revenue) and Stripe for the rest, her collection cost drops from ~1,700 EUR to ~780 EUR/month. Annual saving: ~11,000 EUR. The integration project (PSP connectors + ERP reconciliation) cost her 7,500 EUR, paid back in under 9 months.
FAQ
Which PSP is cheapest in 2026? On intra-EU cards, Stripe and Stancer are neck and neck (1.4 % + 0.25 EUR). But the cheapest PSP depends on your payment mix: adding SEPA for large amounts beats any card rate.
Is SEPA really more economical? Yes for large amounts: at ~0.2 % or a fixed fee, collecting 2,000 EUR by transfer costs a few cents versus 28-68 EUR by card. In exchange, you manage the delay and follow-up.
What does PSD2 compliance change? Strong authentication (3-D Secure) is mandatory on most card payments. Well integrated, it cuts fraud without breaking conversion; poorly integrated, it drops success rate by 5-15 %.
Can I offer 30/60-day payment online? Yes, via B2B BNPL solutions that pay your business immediately and handle collection, for 2-4 %. It is a commercial lever for key accounts.
Does ERP reconciliation matter? Crucially: without automatic payment/invoice matching, you lose hours and generate errors. A PSP-ERP connector costs 3,000-10,000 EUR but quickly pays back in accounting time.
Let's scope your project. Give us your monthly collected revenue, your card/transfer mix and your ERP: we will simulate your real cost by PSP and integrate the best combination. 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.
