1% + €0.25.
Nothing else.
No monthly fees. No hardware. No chargebacks. The same flat rate whether you take €5 or €5,000 — online or in-store.
Side-by-side with everyone else
Public rates from each provider's standard EU pricing. Numbers move slightly by country and risk profile.
| Zahlo | Stripe | Adyen | Mollie | PayPal | |
|---|---|---|---|---|---|
| Variable fee | 1.00% | 2.49% | 2.30% | 1.80% | 2.90% |
| Fixed fee | €0.25 | €0.30 | €0.11 | €0.25 | €0.30 |
| Chargeback fee | None | €15.00 | €7.50 | €12.50 | €16.00 |
| Settlement | Under 10s · SEPA Instant | 2–7 days | 1–3 days | 1–2 days | 1–3 days |
| Hardware | None | Terminal from €59 | Terminal from €79 | Not sold direct | Terminal from €30 |
| Monthly fee | None | None | From €120 | None | None |
Indicative rates published by each provider as of 2026. Your real rate may vary by country and contract.
What's included in 1%
Everything you need to start accepting account-to-account payments — and nothing you don't.
SEPA Instant settlement
Funds land in your account in under 10 seconds, 24/7 — including weekends.
Zero chargebacks
Customers authorise each payment in their banking app. There's nothing to dispute.
Built-in cashback
Funded by the interchange you no longer pay. Drives repeat purchases, automatically.
No hardware
QR codes for in-store payments. No card terminal, no rental fees, no contracts.
Merchant dashboard
Real-time payouts, customer list, refund tools — all in one place.
EU-based support
Real humans, German & English, same-day replies.
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