What it does
Novalnet offers merchant payment processing, configurable checkout and ecommerce or business-system integrations. It can retain payment references for repeat purchases and subscriptions. Merchants register a company account, complete business and identity checks, and activate a paid processing arrangement.
For a shop checkout, choose an inline form, an overlay or a separate hosted page. Existing shops can instead use a supported plugin. For a remote bill, create a Pay By Link request in the dashboard and share it by email or another customer channel; the buyer completes payment on a branded hosted page.
Registration opens the sandbox dashboard and integration credentials. Moving into production involves uploading business-verification documents, signing the contract and completing video identification, followed by Novalnet’s review.
The published INSTANT plan charges EUR 99 once for setup and EUR 25 per month, starting at live activation. The InstaSmart processing schedule lists Visa and Mastercard at 1.70% + EUR 0.24 per transaction, Apple Pay and Google Pay at 1.99% + EUR 0.24, and Single Euro Payments Area direct debits at 1.50% + EUR 0.24. FLEXIBLE is a negotiated arrangement for businesses processing more than EUR 25,000 monthly.
Settlement can be daily, every three days, weekly, fortnightly or monthly, depending on the payment method, risk assessment and contract. Each payout comes with a file showing transactions and deducted costs.
Strengths
- Merchants can choose net settlement with fees deducted or gross settlement with a separate fee invoice.
- Plugins are offered for established stores and business systems, including WooCommerce, Magento, SAP and Salesforce.
Watch out for
- The card tariff adds a 1.5% surcharge for corporate or business cards and cards issued outside the EU.
- Novalnet excludes certain countries and business activities and subjects some higher-risk categories to additional approval.
Best for
- Online merchants comparing embedded and hosted payment forms
- Subscription businesses collecting repeat customer payments
- Businesses matching payment settlement files to accounting entries
Sources
- Novalnet: Checkout, integrations and merchant onboarding (Oct 27, 2026)
- Novalnet: INSTANT and FLEXIBLE payment plans (Oct 27, 2026)
- Novalnet: Pay By Link (Oct 27, 2026)
- Novalnet: Fees and settlement arrangements (Oct 27, 2026)
- Novalnet: Country and business restrictions (Oct 27, 2026)