Paysera Alternative For Merchants

Why SMBs look for Paysera alternative?

For EU merchants who need simple, public flat-rate pricing, built-in BNPL aggregation, and checkout options that require no activation forms or sales contact, Paysera's structure can feel like more steps than necessary.

Requires a separate activation process

Paysera's payment solution natively supports online banking (via Payment Initiation Service and Bank Link), cash payments, and Paysera wallet payments. To accept Visa, Mastercard, and Maestro card payments, merchants must fill in a separate service activation form and meet eligibility criteria. Paypercut accepts Visa, Mastercard, Apple Pay, and Google Pay from the moment your account is verified, with no separate form, no additional approval step, and no distinction between account types.

Requires managing individual financing partnerships

Paysera Checkout includes BNPL access through specific partners: Inbank, GENERAL FINANCING BANK, and Moki 3. These are presented as options available within Paysera Checkout, but availability, coverage, and terms vary by partner and market. Paypercut is the first BNPL aggregator that gives merchants access to multiple BNPL providers through a single integration, with upfront merchant settlement at a flat all-inclusive fee of 5% per approved BNPL transaction.

Native payment links and QR codes, not features of a broader account

PayU offers BNPL access through its credit products and payment methods catalog, but coverage, availability, and integration vary significantly by market. Paypercut is the first BNPL aggregator built specifically for Central and Eastern Europe, giving you access to multiple BNPL providers through a single integration and a single fee, with upfront merchant payouts on every approved transaction.

One flat rate instead of volume tiers and layered fees

Paysera's payment solution fee ranges from 0.90% per transaction (for merchants processing up to 250 transactions per month) down to 0.50% (for merchants processing between 501 and 750 transactions per month). This Paysera system fee is added on top of the individual bank or payment system's own fee, so the total cost per transaction is the Paysera fee plus the bank or system fee combined. For Shopify merchants, an additional fee applies on top (0.45%, rising to 0.50% from August 2026).

Paypercut vs Paysera comparison

Paysera is a licensed financial company with an online payments and business account ecosystem. Paypercut is a complete online payment platform built specifically for European merchants.

Feature

Primary focus

Online payments platform for EU SMBs

Enterprise payment gateway and processor

Target merchant

SMBs and growing European businesses

Enterprise merchants, developers, and large platforms

Online checkout

Hosted, embedded, and e-commerce plugins

API-based integration, requires developer setup

E-commerce plugins

WooCommerce, Shopify, OpenCart, PrestaShop, Magento, MerchantPro

No off-the-shelf plugins; API integration required

Payment Links and QR Codes

Built-in, ready to use

BNPL

Aggregated access to multiple BNPL providers, one integration, upfront merchant payout

BNPL credit products available in select markets, coverage varies

Supported cards (online)

Visa, Mastercard

Visa, Mastercard, and local payment methods per market

Digital wallets

Apple Pay, Google Pay

Varies by market

Currencies supported

EUR, RON, GBP, USD, CHF, CZK, HUF, PLN

Varies by country entity

Geographic reach

29+ European countries from one platform

50+ countries globally, via separate local entities

European presence

EU-regulated, pan-European from one account

Select CEE markets: Poland, Romania, Czechia, Hungary

Pricing model

Pay-as-you-go, publicly listed flat rates

Not publicly listed; custom pricing by market and volume

Monthly or setup fees

None

Varies by market and contract

Recurring and subscription billing

Available via API integration

Sandbox and test environment

Onboarding

Fully digital KYC, no paperwork, go live within days

Commercial agreement and technical integration required

Compliance

PCI-DSS, EU-regulated, PSD2, end-to-end encryption

PCI-DSS, 3D Secure 2, SOC1, anti-fraud tools

Want to see how Paypercut compares for your specific business?

Talk to our team

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.

Trusted by growing European businesses

Paypercut is used by the leading European businesses to accept payments, offer BNPL, and improve their checkout conversion with fast, reliable, and locally supported payment tools.

Stilu Vanghele

Better shop

“Setting up Paypercut was simpler than we expected. The team walked us through every step and made sure we felt confident before going live.”

Yücel Ocak

Svet Bazenov

“It’s been hard to find a payment solution that works well in our countries. With Paypercut, we finally have something that makes sense for our geography and our needs.”

Jani Ferjan

Nomadis

“Finding a BNPL solution that actually works across our region has always been a challenge. Paypercut gave us an approach that fits our markets and how our customers pay.”

Borislav Borisov

Fitsys

“Through our partnership with Paypercut, we were able to provide our clients with fast and secure online card payment processing. This led to a noticeable increase in customer satisfaction and gives us the confidence to recommend Paypercut as a reliable partner for all types of online payments.”

Valerijs Zvarics

Smart Pay

“We are pleased to partner with Paypercut, a trusted provider of seamless and secure payment solutions. Their intuitive platform enables reliable online transactions, supported by strong technology and a clear focus on customer satisfaction.”

Constantinos Skanavis

Wrapp

“Paypercut has been great to work with. They move fast, communicate clearly, and treat the partnership like a real collaboration, not just a checkbox.”

Stilu Vanghele

Better shop

“Setting up Paypercut was simpler than we expected. The team walked us through every step and made sure we felt confident before going live.”

Yücel Ocak

Svet Bazenov

“It’s been hard to find a payment solution that works well in our countries. With Paypercut, we finally have something that makes sense for our geography and our needs.”

Jani Ferjan

Nomadis

“Finding a BNPL solution that actually works across our region has always been a challenge. Paypercut gave us an approach that fits our markets and how our customers pay.”

Borislav Borisov

Fitsys

Valerijs Zvarics

Smart Pay

Constantinos Skanavis

Wrapp

“Paypercut has been great to work with. They move fast, communicate clearly, and treat the partnership like a real collaboration, not just a checkbox.”

Made in Europe, for European businesses.

Online payments built for EU merchants - with local know-how where it matters. You can work with Paypercut from anywhere in the EU and sell across 29+ European countries and beyond, with local currencies and local settlement in selected markets. Expand your business without rebuilding your checkout - we handle local payment rules for you.

Available in all European markets

Accepted payment types

Supported currencies

EUR

RON

GBP

USD

CHF

CZK

HUF

PLN

Product add-ons included by default.

Sell more, get paid faster, and deliver a seamless checkout experience across every channel.

Comparison FAQ

Is Paypercut a good alternative to Paysera?

Does Paypercut require a separate form to accept card payments?

Who should choose Paysera?

Who should choose Paypercut?

Does Paypercut offer BNPL?

Does Paypercut require a business bank account with Paypercut?

Is Paypercut suitable for small and growing businesses?

Try Paypercut’s online payments demo.

See how your customers will pay - cards, wallets, links, and QR - before you sign up.

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Contact us

Paypercut EOOD, company number 208256434, is a SaaS company providing a technical platform and ancillary non-regulated services. Regulated payment and e-money services are provided by Paynetics AD, company number 131574695, an electronic money institution licensed and regulated by the Bulgarian National Bank and by Embed BV, company number 85548413, a payment institution licensed and regulated by the Dutch Central Bank, with both institutions passported to provide services across the European Economic Area (EEA).