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Novalnet fees per payment method: the prices Novalnet publishes

Every price Novalnet publishes for merchants established in Europe, in one table: per payment method, country of establishment and channel, with the date each price was read. Choose your country and channel, and the table also shows the methods Novalnet offers without a published price. A published rate is a list rate: what you actually pay is set in your quoted rate and your contract.

Retail Payment Methods Transparency Index

Novalnet fees by country and channel

Novalnet stands in the index with 44 payment methods for merchants established in Europe, and publishes a price for 25 of them.

Each rate is shown as Novalnet prints it; the method name links to the page about that method and the date links to the page the rate was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.

Payment methodPublished priceChannel
ACH Direct Debit Merchants in Germany€0.24 transaction fee + 0.85%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Alipay Merchants in Germany€0.24 transaction fee + 3.10%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
American Express Merchants in Germany€0.24 transaction fee + 2.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Apple Pay Merchants in Germany€0.24 transaction fee + 1.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Apple Pay Merchants in GermanyNo price publishedRead at source on 7 October 2026In-store
Bacs Direct Debit Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Bancontact Merchants in Germany€0.28 transaction fee + 1.50%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Barzahlen/viacash Merchants in Germany€0.30 + 2.25%Percentage plus fixed amountRead at source on 22 September 2026Online
BLIK Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Boleto Bancário Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Cartes Bancaires Merchants in Germany€0.24 transaction fee + 1.80%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Dankort Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Diners Club Merchants in Germany€0.24 transaction fee + 2.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Discover Merchants in Germany€0.24 transaction fee + 2.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Elo Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
eps Merchants in Germany€0.24 transaction fee + 1.50%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in Germany€0.24 transaction fee + 1.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Google Pay Merchants in GermanyNo price publishedRead at source on 7 October 2026In-store
GrabPay Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
iDEAL Merchants in Germany€0.28 transaction fee + 0.30%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
JCB Merchants in Germany€0.24 transaction fee + 2.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
KakaoPay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Konbini Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Maestro Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Mastercard Merchants in Germany€0.24 transaction fee + 1.70%; Visa/Mastercard commercial and non-EU cards: €0.24 transaction fee + 2.90%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Mastercard Merchants in GermanyNo price publishedRead at source on 7 October 2026In-store
MB WAY Merchants in Germany€0.24 transaction fee + 1.50%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
MobilePay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Multibanco Merchants in Germany€0.30 transaction fee + 3.00%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
MyBank Merchants in GermanyNo price publishedRead at source on 22 September 2026Online
Naver Pay Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
OXXO Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
PayPal Merchants in Germany€0.24 transaction fee + 0.00% (conditions depend on turnover and sector); Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
paysafecard Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
PostFinance Pay Merchants in GermanyPostFinance Card: €0.24 transaction fee + 3.55%; PostFinance E-Finance: €0.24 transaction fee + 3.55%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Przelewy24 Merchants in Germany€0.24 transaction fee + 2.20%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Samsung Pay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Satispay Merchants in GermanyNo price publishedRead at source on 7 October 2026Online
SEPA Direct Debit Merchants in GermanySEPA Direct Debit: €0.24 transaction fee + 1.50%; with payment guarantee, Germany/Austria/Switzerland B2B: €1.62 + 2.50%; Austria B2C: €1.62 + 2.50%; Switzerland B2C: €1.62 + 2.50%; Germany B2C: €0.42 + 2.40%; instalments by SEPA Direct Debit, Germany/Austria/Switzerland B2B: €1.62 + 2.50%; Austria B2C: €1.62 + 2.50%; Switzerland B2C: €1.62 + 2.50%; Germany B2C: €0.42 + 2.40%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Swish Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Trustly Merchants in Germany€0.30 transaction fee + 2.25%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
TWINT Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
UnionPay Merchants in Germany€0.24 transaction fee + 2.99%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Vipps MobilePay Merchants in GermanyNo price publishedRead at source on 20 September 2026Online
Visa Merchants in Germany€0.24 transaction fee + 1.70%; Visa/Mastercard commercial and non-EU cards: €0.24 transaction fee + 2.90%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Visa Merchants in GermanyNo price publishedRead at source on 7 October 2026In-store
WeChat Pay Merchants in Germany€0.24 transaction fee + 3.10%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Wero Merchants in Germany€0.28 transaction fee + 0.30%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscriptionRead at source on 12 October 2026Online
Compare Novalnet with other providers in the indexChoose your own country, channel and payment method

All providers in the index

Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 20 September 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.

Retail Payment Methods Transparency Index

Questions about Novalnet fees

What does Novalnet charge for card payments?

Novalnet publishes for card payments (Germany, online): Visa, Mastercard: €0.24 transaction fee + 1.70%; Visa/Mastercard commercial and non-EU cards: €0.24 transaction fee + 2.90%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum term. That is the published rate; what a merchant pays is set in the quoted rate.

For which payment methods does Novalnet publish no price?

Novalnet offers these payment methods without a published price (Germany, online): Bacs Direct Debit, BLIK, Boleto Bancário, Dankort, Elo, GrabPay, KakaoPay, Konbini, Maestro, MobilePay, MyBank, Naver Pay, OXXO, paysafecard, Samsung Pay, Satispay, Swish, TWINT, Vipps MobilePay.

Your rate

A published rate is the starting point, not the outcome

For a merchant with volume the published list is where the negotiation starts. The quoted rate decides what reaches your statement: the percentage and the fixed fee per transaction, the surcharges for international cards and currency conversion, how the rate is built for each payment method, and the terms on payouts, chargebacks and refunds. Two merchants with the same payment mix can be on the same list and pay different amounts.

EcomStream reviews a contract with Novalnet on merchant mandate against what the market quotes for comparable volume and payment mix, and renegotiates it, without a change of provider, on a no cure no pay basis. Start with cutting your PSP costs, or run the payment set-up check on your own figures first.