Paybyrd vs Buckaroo
Buckaroo is the omnichannel Dutch PSP — pin terminals, iDEAL bundles and credit management under one roof. Its prices reward commitment; its chargebacks cost €50.
The numbers, side by side.
Blended rates against a typical EU merchant card mix (85% EEA consumer, 10% non-EEA, 5% business). Published pricing as of April 2026.
- Online cards
- 1.25% + €0.08
- APMs
- €0.2
- Card-present
- 0.5%
- Chargeback fee
- €7.5
- Monthly minimum
- None
- Online cards
- 1.49% + €0
- APMs
- €0.3
- Card-present
- —
- Chargeback fee
- €50
- Monthly minimum
- None
Buckaroo charges 1.49% + €0 per online card transaction, as published; Paybyrd charges 1.25% + €0.08. Published online card rates, Buckaroo against Paybyrd, as read on 2026-09-02.
Rates are blended against a typical EU merchant mix (85% EEA consumer, 10% non-EEA, 5% business). Headline rates in Buckaroo's own published materials don't include the non-EEA and business-card surcharges that apply to most real merchant volume. These numbers do.
We won't pretend Buckaroo is all bad.
Buckaroo has a real business and serious strengths. Here's the honest list, so you can weigh it against what Paybyrd changes.
- Online and in-store from one provider, with pin terminals to buy, lease or rent, and Tap to Pay on Android.
- Strong in Belgium as well as the Netherlands — Bancontact at the same rates as domestic debit.
- Credit management and subscription management built in, which few PSPs offer.
- iDEAL | Wero is €0.30 pay-as-you-go, or €0.199–€0.249 inside a monthly bundle of 20–100 transactions at €4.99–€19.99 per month. Paybyrd's iDEAL starts at €0.19 with nothing to commit to.
- Cards at 1.35% for EU consumer cards and 2.30% for business and non-EU cards — about 1.49% blended for a typical mix. Paybyrd: 1.25% + €0.08, and the scheme fees inside that are published at cost.
- €50 per chargeback on Visa and Mastercard. Paybyrd: €7.50.
- A €58 one-off registration fee, €3.70 per month per SoftPOS device, and test transactions at €0.03 after the first 100. Paybyrd: no registration fee and a free sandbox.
- One acquirer behind the checkout. Paybyrd routes each authorisation across several acquirers and retries a soft decline on a second one before the customer sees an error.
- Percentages are blended. Paybyrd publishes the full Visa and Mastercard scheme-fee schedule, region by region, and passes it through at cost.
- Switching takes 18 business days with shadow mode alongside Buckaroo — iDEAL | Wero and Bancontact carry over.
18 days from contract to live traffic.
We don't ask you to flip a switch. Parallel-processing means you compare diff reports against your incumbent before committing. Rollback is always one config flag away.
- Phase 1 · Week 1–2Sandbox + integrations
Your integrations team pairs with ours. Paybyrd sandbox certified. Existing card tokens, recurring IDs, and APM references mapped 1:1 on our side so no customer re-auth is needed.
- Phase 2 · Week 3–4Parallel processing
Paybyrd handles 5–20% of live traffic while Buckaroo processes the rest. You compare approval rates, cost per transaction, and reconciliation against your incumbent in real time.
- Phase 3 · Week 4+Graduated cutover
You hold the rollback switch. Scale Paybyrd traffic at whatever pace you're comfortable with — 50%, 80%, 100%. Most merchants finish cutover within 18 business days of contract sign.
About switching from Buckaroo.
Is Paybyrd cheaper than Buckaroo?
Does Paybyrd do in-store payments like Buckaroo?
Can I keep iDEAL | Wero and Bancontact?
How long does switching from Buckaroo take?
What happens to chargebacks after I switch?
30 minutes with a payment engineer,
your numbers, no slides.
Bring your most recent Buckaroo statement. We'll benchmark your actual approval rate against Paybyrd's multi-acquiring routing (typical lift: 4–7% on EU card volume), and map the migration path.