PAYONE vs Unzer

PAYONE

SEPA Direct Debit and the Klarna suite are documented method by method with their countries and currencies, and the cards appear by name in the security pages; but the homepage still sells 'alle gängigen Bezahlverfahren' with no list, we found no public information on Apple Pay, Google Pay, iDEAL, Bancontact or other local methods named per country, and the SEPA country list is cut off behind a 'Show all' control.

Unzer

The pricing page invites the merchant to "choose flexibly which payment methods" they want to offer, yet it names not a single method, country or currency — we found no public information on the method list at all. A buyer cannot plan which markets they can serve from anything captured here.

PAYONE

The Exemption Engine documentation is unusually concrete: low-value exemptions with the 30 and 100 euro limits, acquirer transaction risk analysis, 3-D Secure rolled in or out per transaction, and automatic soft-decline recovery, with liability written down — the merchant stands the cost of a fraudulent exemption. We found no public information on network tokens, an account updater, authorisation-rate reporting by issuer country, or the PCI DSS scope per integration type.

Unzer

PSD2 strong customer authentication and PCI DSS appear as two words on the included-features list and fraud protection gets a FAQ question with no detail; we found no public information on checkout flows, SCA exemptions or declined-payment handling. That is a checkbox, not an engineered authorisation path a merchant can verify.

PAYONE

SEPA mandate handling is first-class: dedicated create and revoke endpoints, mandates valid for an indefinite run of subsequent transactions, a reduced eight-week contestation window, and webhook codes for declines. But we found no public information on subscription plans with scheduled charges, proration, smart retries or dunning, a card account updater, or any documented process for exporting stored credentials to another provider.

Unzer

We found no public information on stored payment methods, card-on-file charges, SEPA mandates, subscription logic or dunning on the captured pages. For a merchant selling subscriptions there is nothing here to evaluate.

PAYONE

The developer pages show a documented API with webhooks, a test environment and test cases, but the captured payout pages are a list of unanswered questions — 'When will I receive my payouts?', 'Are there limits or fees for withdrawals?' — with no payout schedule or delay stated, no fee itemisation per transaction, and no report linking a payout to its transactions in evidence.

Unzer

Links to developer documentation and a platform status page are listed, which is more than nothing, but we found no public information on payout cadence, settlement currencies, per-transaction fee breakdowns or reconciliation exports. The finance side a treasury team needs is invisible to a buyer.

PAYONE

The imprint names PAYONE GmbH in Frankfurt with its commercial register entry, VAT ID and a BaFin licence as an e-money institution — an identified, supervised entity. We found no public information on safeguarding of merchant funds, chargeback fees, reserve or freeze terms, or the notice period for termination; the general terms exist only as downloads whose contents the captured pages do not show, and no BaFin register number appears.

Unzer

The imprint is unusually forthright: Unzer E-Com GmbH is named as a BaFin-supervised payment institution with register number 122914, the Luxembourg entity carries CSSF number Z00000009, and complaint routes to BaFin and CSSF are published. But the bad-day terms are what I read for, and we found no public information on reserves, fund freezes, termination notice or chargeback fees — the licence numbers earn the points, the silence on the rest caps them.

PAYONE

A German contracting entity under BaFin supervision, a French parent in Worldline, and a statement that all group companies sit within the EU and EEA — the chain that is named is European. But there is no statement of where payment and cardholder data are processed or stored, and the published subprocessor list covers website analytics, marketing and video tools rather than the payment platform; the independently sourced attributes likewise leave data residency unknown.

Unzer

The contracting and licensed entities are German and Luxembourgian, yet the vendor's own site runs on Netlify of San Francisco with Google, Facebook, LinkedIn and Microsoft trackers, and the privacy notice itself concedes the USA is not a safe third country. We found no public information on where payment and cardholder data are processed, on the group's ownership, or on which subprocessors the payment chain uses.

PAYONE

Two e-commerce packages publish setup and monthly fees — '49,00 € einmalige Einrichtungsgebühr', '19,00 € monatliche Grundgebühr' — with per-transaction fees of '0,99 € + Disagio' and 'ab 0,09 € + Disagio', where the Disagio, the card charge itself, is left unquantified in the captured pages. We found no public information on cross-border rates, currency conversion markups, chargeback fees or whether the model is blended or interchange-plus; the price lists exist only as downloads whose contents are not shown.

Unzer

The pricing page carries no figure at all: an "All-in-One-Preis" and an individually tailored quote through a consultation, with every rate a sales conversation. A merchant cannot begin to compute an effective fee for their card and country mix from anything published.