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PayplugB68

Payment Processor · French SMEs, retailers and e-merchants that sell mainly to euro-zone consumers, want online and in-store pa…

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Overview

Payplug is a credible choice for a French small or mid-size business that wants one bank-backed provider for its website and its shop at a published price. The plans are clear, the euro-zone card rates are competitive for a flat-rate provider, and the online contract can be ended on 30 days' notice. We hold the grade at B for four reasons. Payouts are on request by default and can take about a week to land, and longer for a new account or while compliance checks run. The terms give Payplug broad rights to hold funds and set up reserves. Terminal rentals carry a 24-month term with early-exit fees. And there is little recent independent customer feedback to judge support by.

Best for: French SMEs, retailers and e-merchants that sell mainly to euro-zone consumers, want online and in-store payments in one portal, and value a provider backed by a large French banking group.

Strengths

  • + Published plans with clear per-transaction rates for online and in-store payments
  • + Euro-zone consumer card rates from 1.1% + €0.25 online and 1.1% + €0.10 in store on Pro (ex-VAT)
  • + The payment contract has no fixed term and can be ended on 30 days' notice
  • + Owned by the BPCE banking group; the contracting company is a payment institution authorised by the French regulator (licence dated 2011)
  • + One portal for web, terminal, SoftPOS and Tap to Pay on iPhone payments
  • + Covers the local methods that matter in France, Belgium, the Netherlands and Italy, including Oney and Scalapay instalments

Trade-offs

  • – Payouts are on request by default and Payplug says about seven days can pass before money arrives, or up to ten business days for a new account's first transfer
  • – The terms let Payplug hold funds for as long as it considers necessary and set up reserves based on risk
  • – Business cards cost 2.5% and cards from outside the euro zone 2.9% on every plan
  • – Rented terminals come with a 24-month contract, automatic renewal and early-exit fees
  • – Chargebacks cost €18 including VAT each
  • – Little recent independent feedback: only one Trustpilot review in the last two years

Fees in detail

  • Online rate: From 1.1% + €0.25 (euro-zone cards, ex-VAT)
  • International: Cards issued outside the euro zone: 2.9% + €0.25 online and 2.9% + €0.10 in store on Starter and Pro, ex-VAT, as of October 2026. American E
  • Disputes: €18 including VAT per chargeback, according to Payplug's help centre (updated 7 October 2026). The terms also let Payplug pass on scheme fee

Standard published rate for a domestic online card payment. Confirm current pricing on Payplug's pricing page.

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