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Honest comparison · 2026

Paybyrd vs Pay.nl

Pay.nl is the all-in-one Dutch PSP: 100+ plugins, iDEAL from €0.19, and a monthly package fee you pay before the first transaction.

Savings vs Pay.nl
€3,765 / yr
at €1M annual volume · blended mix
Cost reduction
26.3%
lower processing cost
Approval lift
+4–7%
vs benchmark · multi-acquiring
Migration
18 days
typical · parallel-processed
Book a 30-min demo Run your real numbers
Rates at a glance

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.

P
Paybyrd
Online cards
1.25% + €0.08
APMs
€0.2
Card-present
0.5%
Chargeback fee
€7.5
Monthly minimum
None
P
Pay.nl
Online cards
1.7% + €0.15
APMs
€0.19
Card-present
—
Chargeback fee
Not published
Monthly minimum
€35/mo

Pay.nl charges 1.7% + €0.15 per online card transaction, as published; Paybyrd charges 1.25% + €0.08. Published online card rates, Pay.nl 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 Pay.nl's own published materials don't include the non-EEA and business-card surcharges that apply to most real merchant volume. These numbers do.

Where Pay.nl still wins

We won't pretend Pay.nl is all bad.

Pay.nl has a real business and serious strengths. Here's the honest list, so you can weigh it against what Paybyrd changes.

✓ Pay.nl is strong at
  • Genuinely Dutch — NL support, iDEAL | Wero from €0.19, Bancontact, Pay by Bank and 100+ shop plugins.
  • Fast to start: registration and first payments within minutes on the Professional package.
  • A deep NL ecosystem — credit management, subscriptions, an Optimize module per sales channel on the Business tier.
→ Where Paybyrd wins
  • €35/month for the Professional package before a single transaction (€89/month on Business). Paybyrd has no monthly fee: 1.25% + €0.08 online, iDEAL from €0.19, and that is the whole price list.
  • Consumer EU cards 1.50% + €0.15; business and non-EU cards 2.80% + €0.15. Blended for a typical mix that is about 1.70% + €0.15, against Paybyrd's 1.25% + €0.08 — the fixed part alone is €0.07 less on every transaction.
  • 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.
  • In-store on Pay.nl means partner terminals and a separate arrangement. Paybyrd terminals sit on the same contract, from 0.50% in-store, rent or buy, with tap-to-pay on Android.
  • Package rates are blended. Paybyrd publishes the full Visa and Mastercard scheme-fee schedule and passes it through at cost, so you can see exactly what the networks charge.
  • Pay.nl publishes no chargeback fee on its pricing page. Paybyrd's is €7.50 per dispute, on the same page as every other rate.
  • Switching takes 18 business days with shadow mode alongside Pay.nl — iDEAL | Wero and Bancontact carry over, nothing is ripped out.
How the switch works

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.

  1. Phase 1 · Week 1–2
    Sandbox + 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.

  2. Phase 2 · Week 3–4
    Parallel processing

    Paybyrd handles 5–20% of live traffic while Pay.nl processes the rest. You compare approval rates, cost per transaction, and reconciliation against your incumbent in real time.

  3. 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.

Common questions

About switching from Pay.nl.

Is Paybyrd cheaper than Pay.nl?
On published rates, yes for most merchants: Paybyrd has no monthly package (Pay.nl's Professional package is €35/month, €420 a year before any transaction), a lower fixed fee per card transaction (€0.08 vs €0.15) and iDEAL from the same €0.19 with no package attached. Run your own numbers in the calculator — it uses these published rates.
Can I keep iDEAL | Wero and Bancontact?
Yes. Both are on Paybyrd, iDEAL | Wero from €0.19 per transaction, and they are carried over during migration so your checkout offers the same methods on day one.
How long does switching from Pay.nl take?
18 business days is the typical Dutch migration, including a shadow-mode period where Paybyrd runs alongside Pay.nl before traffic moves. Nothing is ripped out.
What about my shop plugins?
Paybyrd offers a hosted checkout, payment links and integrations for the major shop platforms. A payment engineer checks your stack before you commit, so you know the integration path before signing anything.
Does Paybyrd charge a monthly fee?
No. There is no package, no minimum and no activation fee. You pay per transaction, and every rate — including the card-scheme fees passed through at cost — is published on the pricing page.

30 minutes with a payment engineer,
your numbers, no slides.

Bring your most recent Pay.nl 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.

Book a 30-min demo Or run your numbers first