The verdict in three sentences
For a Dubai B2B portal, Stripe remains the default (1.4% + 0.25 EUR, fast integration), Mollie suits small European volumes (1.8% + 0.25 EUR, no commitment), and Adyen becomes profitable at high volume thanks to the interchange++ model (0.10-0.60 EUR + interchange). Integration cost is comparable (4,000-12,000 EUR) across PSPs; it is the recurring fees and features (SEPA, multi-currency, reporting) that make the difference. Choose on your monthly volume and your need for transfer/direct debit, not on the headline rate alone.
2026 fees and features comparison
| Criterion | Stripe | Mollie | Adyen |
|---|---|---|---|
| EU card | 1.4% + 0.25 EUR | 1.8% + 0.25 EUR | interchange++ 0.10-0.60 EUR |
| Non-EU card | 2.9% + 0.25 EUR | 2.8% + 0.25 EUR | interchange++ variable |
| Transfer / direct debit | 0.25-0.35 EUR | 0.25 EUR + % | 0.20-0.40 EUR |
| Multi-currency | Yes (150+) | Limited (EU) | Yes (150+) |
| Reporting / reconciliation | Advanced | Standard | Advanced (enterprise) |
| Commitment | None | None | Annual contract |
| Integration cost (EUR) | 4,000 - 10,000 | 4,000 - 9,000 | 8,000 - 12,000 |
Adyen requires a contract and minimum volume, but its interchange++ becomes cheapest above ~50,000 EUR/month processed. Stripe and Mollie are commitment-free, ideal to start.
B2B decision criteria (beyond the rate)
| Decision criterion | Why it is structural | Frequent winner |
|---|---|---|
| Share of bank transfers | Cuts PSP bill on large baskets | Stripe / Adyen |
| Monthly volume | Interchange++ pays at high volume | Adyen (> 50k EUR/month) |
| International / currencies | Collect in USD, GBP, CHF | Stripe / Adyen |
| Simplicity / time-to-market | Fast integration, clear docs | Stripe / Mollie |
| ERP reconciliation | Reliable webhooks and exports | Stripe / Adyen |
| No commitment | Test without annual contract | Stripe / Mollie |
The heaviest B2B criterion: the share of bank transfers. The more your large baskets go by transfer, the less the card rate weighs — and the more Stripe or Adyen (strong SEPA support) win.
Mini case study
Karim, CFO of a trading SME in Dubai (2.8M EUR revenue), processes 45,000 EUR/month across 210 transactions (average basket 214 EUR), 70% card. With Stripe: 147 cards x (1.4% x 214 + 0.25) ~= 477 EUR + 63 transfers ~= 20 EUR = ~497 EUR/month. With Adyen interchange++ (~1.0% effective at this volume): ~380 EUR/month, but annual contract and 8,000 EUR integration versus 6,000 for Stripe. Adyen saving: ~117 EUR/month or 1,400 EUR/year — the extra 2,000 EUR integration pays back in ~17 months. At this volume, Stripe stays the best simplicity/price ratio; Adyen only wins by doubling volume.
FAQ
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Which PSP is cheapest for a B2B portal in Dubai in 2026?
At moderate volume (< 50,000 EUR/month), Stripe (1.4% + 0.25 EUR) is the best price/simplicity ratio. Above that, Adyen on interchange++ becomes cheaper.
Mollie or Stripe to start?
Stripe for richer features (multi-currency, advanced reporting), Mollie for simplicity and small fully European volumes. Both are commitment-free.
Is Adyen worth its annual contract?
Yes above roughly 50,000 EUR/month processed: interchange++ pushes the effective cost under 1%, offsetting the commitment and heavier integration.
Does integration cost vary by PSP?
Little: budget 4,000-12,000 EUR everywhere. Adyen is slightly higher (8,000-12,000) due to a more complex enterprise integration.
Can we switch PSP later?
Yes, if the contract allows reversibility. Add a payment abstraction layer to keep migration cost at 2,000-5,000 EUR.
Let's scope your project. Give us your monthly volume, card/transfer split and currencies: we recommend the PSP and price the integration. 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.
