Why teams switch from Paysera to Paypercut?
Paysera is powerful but complex. SMBs need simple checkout, unified BNPL, and seamless expansion across Europe, without the overhead.
When card acceptance should not require a separate form
Paysera's payment gateway primarily routes transactions through bank links and payment initiation services. Card payments via Visa, Mastercard, and Maestro are available but require merchants to fill in a separate service activation form, and this feature is available for natural and legal persons registered within the EU. Paypercut activates card acceptance during the standard onboarding process, with no extra form and no additional eligibility check beyond the standard digital KYC verification.
When BNPL should be aggregated, not listed
Paysera Checkout presents BNPL options through named partners. Each partner has its own terms, coverage area, and approval process. Paypercut aggregates multiple BNPL providers through a single integration, with one flat fee of 5% per approved transaction, upfront settlement for the merchant, and no individual partner management. Your customers see the options relevant to their market and you receive payment immediately regardless of which provider approves the transaction.
When your online payment tools should all live in one place
Paysera is a broader financial product: an e-money institution with a business IBAN account, currency exchange, card products, POS tools, delivery services, ticketing functionality, and a payment gateway. These are well-designed products, but they serve different functions and require separate setups. Paypercut focuses exclusively on online payments: checkout, BNPL, payment links, QR codes, recurring billing, and multi-currency settlement are all native, unified, and accessible from a single account with no extra products to activate.
Transparent pricing instead of hidden fees
Paysera's gateway fee is calculated as the Paysera system percentage plus a separate bank or system fee that varies by payment method and country. For a merchant processing under 250 transactions per month, the Paysera system fee alone is 0.90% per transaction, with a minimum of €0.10 and a maximum of €0.40, and the bank or system fee applies on top of that. For Shopify merchants, a further 0.45% is added. Paypercut charges one number: 1.29% + €0.10 for EEA consumer Visa and Mastercard, and 2.69% + €0.10 for everything else. There is no additional layer, no bank fee on top, and no platform surcharge.
