<style id="elementor-post-dynamic-2983">.elementor-2983 .elementor-element.elementor-element-225fc66c:not(.elementor-motion-effects-element-type-background), .elementor-2983 .elementor-element.elementor-element-225fc66c > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url("https://omespay.be/wp-content/uploads/2026/09/Logo-post-image-scaled.png");}</style>{"id":2983,"date":"2026-09-13T12:09:28","date_gmt":"2026-09-13T12:09:28","guid":{"rendered":"https:\/\/omespay.be\/?p=2983"},"modified":"2026-09-13T18:36:19","modified_gmt":"2026-09-13T18:36:19","slug":"betaalkosten-kmo-vergelijken","status":"publish","type":"post","link":"https:\/\/omespay.be\/en\/betaalkosten-kmo-vergelijken\/","title":{"rendered":"Compare payment costs for an SME without comparing apples to oranges"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2983\" class=\"elementor elementor-2983\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-225fc66c e-flex e-con-boxed e-con e-parent\" data-id=\"225fc66c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-363479ad e-flex e-con-boxed e-con e-parent\" data-id=\"363479ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-33658fbb e-con-full e-flex e-con e-child\" data-id=\"33658fbb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e85bab2 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"e85bab2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Compare payment costs for an SME without comparing apples to oranges<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d36bb19 elementor-widget elementor-widget-post-info\" data-id=\"6d36bb19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-a2086e6 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-tags\" viewbox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.941 225.941L286.059 14.059A48 48 0 0 0 252.118 0H48C21.49 0 0 21.49 0 48v204.118a48 48 0 0 0 14.059 33.941l211.882 211.882c18.744 18.745 49.136 18.746 67.882 0l204.118-204.118c18.745-18.745 18.745-49.137 0-67.882zM112 160c-26.51 0-48-21.49-48-48s21.49-48 48-48 48 21.49 48 48-21.49 48-48 48zm513.941 133.823L421.823 497.941c-18.745 18.745-49.137 18.745-67.882 0l-.36-.36L527.64 323.522c16.999-16.999 26.36-39.6 26.36-63.64s-9.362-46.641-26.36-63.64L331.397 0h48.721a48 48 0 0 1 33.941 14.059l211.882 211.882c18.745 18.745 18.745 49.137 0 67.882z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Sectors<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-6bd7875 elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm89.6 32h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48v-41.6c0-74.2-60.2-134.4-134.4-134.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tOmEs Pay\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3b6be0f elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>September 13, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36a03102 elementor-widget elementor-widget-text-editor\" data-id=\"36a03102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Quotes often use different pricing models. One formula shows an amount per Bancontact payment, while another shows a percentage per card type or a package with fixed costs. Therefore, create your own comparison model in which each provider is evaluated using the same assumptions.<\/p><h4><strong>Collect three months of real data<\/strong><\/h4><p>Record the number of transactions, total payment volume, average transaction value, and payment methods. For seasonal businesses, also note any peak periods. Without knowing the card mix, you cannot evaluate an offer with low debit card fees and higher credit card fees.<\/p><p>If you don't have any data yet, work with three scenarios and update them after the first few months.<\/p><h4><strong>Fixed and Variable Separation<\/strong><\/h4><p>Fixed costs include rent, software, SIM cards, and service fees. Variable costs are related to transactions and card types. A plan with higher fixed costs can be more cost-effective for higher transaction volumes; for a new business, the opposite may be true.<\/p><p>Include one-time installation or purchase costs over the same comparison period.<\/p><h4><strong>Assess time and risk<\/strong><\/h4><p>Manually entering amounts, sorting out payments, or waiting a long time for support comes at a cost\u2014even if it doesn\u2019t appear on the provider\u2019s invoice. A point-of-sale integration or improved reporting can save minutes every day and reduce errors.<\/p><p>Also keep in mind replacement and downtime. Check what's included.<\/p><h4><strong>Read the fine print carefully<\/strong><\/h4><ul><li>Minimum Term and Automatic Renewal<\/li><li>Indexation or rate change<\/li><li>Cancellation Fee and Hardware Return<\/li><li>Fees for international cards, refunds, or chargebacks<\/li><li>Settlement Period and Any Reserves<\/li><li>Support Hours and Service Call Fees<\/li><\/ul><h4><strong>Compare on an annual basis<\/strong><\/h4><p>Calculate the total cost for twelve months and, if applicable, for the entire contract term. Divide that by the number of transactions and payment volume to get a better understanding, but also consider the absolute cash outlays.<\/p><p>Repeat the calculation annually whenever the volume or card mix changes. The formula that works best at the start isn't necessarily the best one after growth.<\/p><p>Want to know what electronic payments really cost? Then read more about<a href=\"https:\/\/omespay.be\/en\/wat-kost-elektronisch-betalen-echt\/\"> <strong data-start=\"1450\" data-end=\"1488\">What Electronic Payments Really Cost<\/strong>.<\/a><\/p><h4><strong>Making the right choice starts with how you operate<\/strong><\/h4><p>A fair comparison uses the same data, time period, and service expectations. Only then can you tell whether a lower rate actually saves you money or simply hides a different cost component.<\/p><p>A fair comparison also starts with a <a href=\"https:\/\/omespay.be\/en\/sectoren\/kmo-detailhandel\/\">A payment terminal and point-of-sale system that fit your small business<\/a>.<\/p><p>Find out which one<a href=\"https:\/\/omespay.be\/en\/sectoren\/kmo-detailhandel\/\"> <strong data-start=\"2034\" data-end=\"2064\">Payment Solutions for SMEs<\/strong> <\/a>fit in with your way of working.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d75e241 e-flex e-con-boxed e-con e-parent\" data-id=\"3d75e241\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5f74a9da e-con-full e-flex e-con e-child\" data-id=\"5f74a9da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b53e4f6 e-con-full e-flex e-con e-child\" data-id=\"7b53e4f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c8ed360 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1c8ed360\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Have your current invoices analyzed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76616242 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"76616242\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div id=\"comp-mkazuzvd\" class=\"N8MGzv _v6ohL PO9MfV AWXfZq comp-mkazuzvd wixui-rich-text\" data-testid=\"richTextElement\" data-motion-enter=\"done\"><section id=\"comp-mkb8fsud\" class=\"ke5pl1 comp-mkb8fsud wixui-section fwXYgt\" tabindex=\"-1\" data-block-level-container=\"Section\" data-testid=\"section-container\"><div class=\"comp-mkb8fsud-container max-width-container\" role=\"group\" data-testid=\"responsive-container-content\"><div id=\"comp-mkb8mdfh\" class=\"HFEOE3 NaeT1r comp-mkb8mdfh-container comp-mkb8mdfh wixui-box\" dir=\"ltr\" role=\"\"><div id=\"comp-mkb8j35m\" class=\"HFEOE3 NaeT1r comp-mkb8j35m-container comp-mkb8j35m wixui-box\" dir=\"ltr\" role=\"\"><div id=\"comp-mkb8j36a\" class=\"N8MGzv _v6ohL PO9MfV AWXfZq comp-mkb8j36a wixui-rich-text\" data-testid=\"richTextElement\"><div data-tsd-source=\"\/src\/routes\/offerte-aanvragen.tsx:50:148\"><p>OmEs pay compares your costs, card mix, and contract with suitable alternatives and provides a clear overview of the entire payment plan.<\/p><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fb43acc elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"1fb43acc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/omespay.be\/en\/offerte-aanvragen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Have your invoices analyzed<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Quotes often use different pricing models. One formula shows an amount per Bancontact payment, while another shows a percentage per card type or a package with fixed costs. Therefore, create your own comparison model in which each provider is evaluated using the same assumptions.<\/p>","protected":false},"author":3,"featured_media":2572,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[21],"class_list":["post-2983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sectoren","tag-kmo-detailhandel"],"_links":{"self":[{"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/posts\/2983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/comments?post=2983"}],"version-history":[{"count":0,"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/posts\/2983\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/media\/2572"}],"wp:attachment":[{"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/media?parent=2983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/categories?post=2983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/omespay.be\/en\/wp-json\/wp\/v2\/tags?post=2983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}