Choose payment methods around your customers and the payment routes your platform actually supports. A provider catalogue does not mean a method is enabled for your account. Compare availability, contracts and day-to-day handling together. This guide names no universally cheapest method or undated percentage charges.
Compare methods systematically
List method, order value, fixed fee, percentage and extra costs together. Fictional assumptions excluding VAT: on a €50 order, a €0.30 fixed fee is less than 1% plus €0.10, which is €0.60. These are calculation inputs, not provider prices. Repeat with your payment mix and contract, including refund terms.
iDEAL for your target market
Investigate iDEAL when serving Dutch customers and check the current product name with your provider. Include verification and activation in the plan. A built-in connection does not mean the provider accepts your business or every product category without further checks.
Choose an appropriate starting set
Identify countries and customer groups and examine actual preferences or requests. Verify support in the platform connection for each desired method. Show only active options. Add a method when there is a clear need to test, rather than simply displaying more logos.
Investigate pay-later options
Pay-later methods have their own acceptance, risk and operating terms. Compare charges, return notifications, payouts and disputes. Do not assume either that you bear all non-payment risk or that the provider takes every risk; the contract decides. Improved conversion is not guaranteed.
Budget platform and provider separately
MicroCart charges 0% own transaction fees. Provider fees still apply. The subscription costs €39.95 per store per month or €399.50 per year excluding VAT, including all MicroCart apps and B2B. Another provider’s fixed subscription does not prove that transaction surcharges are absent.
Test checkout
Try mobile and desktop, including cancellation and retry. Show total price and delivery charges before payment. Check how delayed or failed payments appear in orders and whether refunds reach your records. A familiar logo does not replace this trial.
Common mistakes
For one month, record successful attempts, errors, refunds and support time for each method. Check the invoice for the costs actually associated with them. Then compare the complete handling process. A lower fee may matter less if you regularly have to investigate missing payment statuses.
Frequently asked questions
Which method is cheapest? Calculate using your contract and payment mix. Am I charged twice? Platform surcharges and processing are separate components; check both. Do wallets always have a separate fixed fee? Not necessarily; examine the underlying route and provider terms.
Measure and reconsider
Review usage, failed payments, total costs and refunds over a suitable period. Adjust the offering around supported customer needs. Read the payment-account and testing guide before activating your first live method.
Sources and checks
Primary sources checked on 26 October 2026: Mollie: current iDEAL information · Mollie: current pricing
