The verdict in three sentences
Setting up online collection for a B2B SME in London represents in 2026 an integration budget of 4,000 to 12,000 EUR, plus transaction fees of 1.2 to 1.8% depending on the payment provider. The real return is not in fee savings but in reducing DSO (average collection delay): moving from 52 to 38 days frees tens of thousands of euros in cash. The choice of PSP (Stripe, Mollie or a bank solution) depends on your volume, your need for installment payments, and your accounting stack.
What the integration budget covers
A B2B collection project is more than pasting a payment button. You must connect the PSP to your invoicing, manage payment links, reconciliation and sometimes installment payments. Here are the typical line items in 2026.
| Item | Range (EUR) | Delay |
|---|---|---|
| PSP integration + checkout | 2,500 - 5,000 | 2 weeks |
| Payment links on invoice | 1,000 - 2,500 | 1 week |
| B2B installment payments | 1,500 - 3,500 | 1-2 weeks |
| Automatic accounting reconciliation | 1,500 - 4,000 | 1-2 weeks |
| Webhooks + automatic reminders | 800 - 2,000 | 1 week |
| Total project | 4,000 - 12,000 | 3-5 weeks |
An SME that simply wants to send a payment link on its invoices stays at the low end (4,000-6,000 EUR). Adding installments and automatic reconciliation pushes toward 10,000-12,000 EUR.
Fee comparison: Stripe, Mollie and bank PSP
The recurring cost mostly depends on transaction fees. For a high average B2B basket, every tenth of a percent matters. 2026 order of magnitude for European cards.
| Criterion | Stripe | Mollie | Bank PSP |
|---|---|---|---|
| EU card fee | 1.4% + 0.25 EUR | 1.8% + 0.25 EUR | 0.9-1.3% + fee |
| Monthly subscription | 0 EUR | 0 EUR | 30-90 EUR |
| Bank transfer / SEPA | 0.8% (max 5 EUR) | 0.25 EUR flat | included |
| Payment link | included | included | paid option |
| B2B installments | via partners | via partners | rare |
| API / docs quality | excellent | very good | variable |
| Payout delay | 2-7 days | 2-5 days | 1-3 days |
Stripe remains the reference for integration quality and ecosystem. Mollie is competitive on SEPA transfers and the European market. A bank PSP becomes attractive above 500,000 EUR annual volume, when the fixed subscription is offset by lower variable fees.
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Mini case study
Claire, CFO of an industrial SME in London, invoices 1.4M EUR per year in B2B with a DSO of 52 days. She invests 9,000 EUR in a collection module with payment links and automatic reminders.
Result over 12 months: DSO drops to 38 days, i.e. 14 days of revenue freed = 1,400,000 / 365 x 14 = about 53,700 EUR of cash recovered. Transaction fees on 60% of revenue paid by card (840,000 EUR) cost 840,000 x 1.4% = 11,760 EUR/year, but she saves 6 hours/week of manual chasing (about 9,000 EUR/year of accounting time). The investment pays off in the first quarter through the cash effect alone.
FAQ
How much does online collection really cost the first year? Count the integration (4,000-12,000 EUR) plus transaction fees (about 1.4% of card revenue collected). For 500,000 EUR collected, that is about 7,000 EUR of annual fees.
Stripe or Mollie for a B2B SME? Stripe for integration depth and international payments, Mollie for the European market and lower SEPA fees. Both are subscription-free.
Are B2B installment payments risky? No, if you use a partner that carries the default risk. It raises the average basket by 20 to 35% while guaranteeing your collection.
How long does the project take to deliver? Count 3 to 5 weeks for a full collection setup with payment links, reconciliation and automatic reminders.
Can payment connect to my accounting software? Yes, automatic reconciliation connects to most ERPs and invoicing tools via API or webhooks.
Let's scope your project. Tell us your annual volume, current DSO and invoicing tool: we will quote an online collection setup, integration between 4,000 and 12,000 EUR. 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.
