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Calculated based on your order mix

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Paul van der Meijs
Head of Technology

Three situations we encounter every day with online stores.

Why you’re losing sales at checkout

  • You’re missing the payment method your customer wants

    Customers who don’t see the payment method they’re used to won’t complete their purchase. This applies to post-purchase payment for fashion and home decor, credit cards for international customers, and payment on account for business clients. The drop-off point is therefore in the final step.

  • You don’t know what you’re paying per order

    You know your rates per method, but not what they actually cost based on your order mix. For small amounts, a fixed fee per transaction carries significant weight; for large amounts, a percentage does. Without that calculation, you’ll just choose based on the rate list.

  • Your bookkeeping lags behind your payments

    Failed payments, chargebacks, and manual reconciliation in your records take more time than the fee differences are worth. That process should be automated—and that’s a matter of system design.

Choosing the right payment service provider

A payment service provider processes payments in your online store. A single integration gives you access to iDEAL, credit cards, pay-later options, and more—plus fraud detection and a single overview of your transactions. Without such a provider, you’d have to set up separate arrangements with every bank and payment method.

Choosing a provider isn’t just about who seems cheapest. We calculate the rates based on your order mix, because your choices differ for an average order of 25 euros versus 2,500 euros. Additionally, we consider how payouts and reconciliation work within your accounting system, and who you’ll call if a payment gets stuck on a Friday afternoon.

You’ll be working with Paul van der Meijs, Head of Engineering at Redkiwi, along with Sander, Lukas, and Tim Sol. We work with multiple providers and don’t earn anything from your choice, so the comparison is purely objective. We’ve been building online stores since 2004, and those 22 years of customer insight are the foundation of every piece of advice we give.

  • 22+ year experience
  • 9,3 customer care
  • 55+ Kiwi specialists

What does a payment service provider offer?

Four layers. The payment methods: which ones you offer, by country and by target audience, and which ones only generate costs. The rates: what a transaction costs you based on your order mix rather than the rate list. Processing: payouts, chargebacks, and reconciling transactions in your accounting system—as much as possible automatically. And the integration: the connection to your online store, including what happens if a payment fails.

From the rate list to your order mix

Most online stores choose their provider based on the percentage listed in the brochure and realize a year later that the reality is different. That’s why we start with your own numbers: average order value, breakdown by payment method, percentage of international orders, and how many payments currently fail. This reveals which provider and which methods generate revenue for you, and which ones only incur costs. You can then switch providers without any downtime, because we build the new integration alongside the existing one.

Three services that impact your checkout process.

What Your Payments Depend On

Your payment methods are part of your checkout, and your checkout is where the money actually comes in. That’s why we also look at what happens in those final steps and where the payment ends up in your accounting system.

From billing to adjustments in five steps.

Here’s how we select and integrate your provider

  • 1. Mapping your order mix

    We gather your average order value, the breakdown by payment method, and the percentage of international orders. That forms the basis of every comparison.

  • 2. Calculating rates

    We apply the providers’ rates to that mix, plus the time you spend on payouts and reconciliation.

  • 3. Choosing payment methods

    Which methods you offer per country and per target audience, and which ones you omit because they only add costs.

  • 4. Seamless Integration

    The integration will run alongside your existing system, ensuring a seamless transition. We’ll handle recurring payments separately.

  • 5. Measure and adjust

    We track how many payments fail and which methods are used, and adjust our approach accordingly during the monthly meeting.

Three brands, each with its own order mix and payment preferences.

Online stores for which we set up payment processing

  • Zuiver

    Zuiver's new webshop on the throne

  • Dutchbone

    A place to warm your soul

View all our case studies View all our case studies

Independent advice, no bias.

How we process payments

Payment solutions that make your online store and customers happy

Subscriptions, payouts, and card payments worldwide

Efficient payment solutions for e-commerce and online services

Flexible payment solutions for e-commerce growth

Checkout online and in-store from a single platform
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Let's discuss your growth opportunity

In one hour, we’ll apply your current rates to your specific order mix and identify which payment methods you’re missing. This often immediately reveals the costs involved. It takes just one hour, and there’s no obligation.

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Meet your specialists

Sander van der Hoff
Digital Consultant
Lukas Roeling
Head of Performance Branding & Digital Strategist
Meet the whole team Meet the whole team

How much does a payment service provider cost?

You pay per transaction, and that rate varies by payment method and provider. For small amounts, a fixed fee per transaction can be significant; for large amounts, a percentage-based fee is more common.

What you always get: rates calculated based on your order mix, a written comparison of multiple providers, an integration that goes live alongside your existing system, and honest advice if your current provider is the best fit.

Want to know what you’re currently paying per order? Schedule a call, and we’ll run the numbers together.

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Frequently Asked Questions About Payments

01/ What is a payment service provider?
The party that processes payments in your online store. A single integration gives you access to iDEAL, credit cards, pay-later options, and more, plus fraud detection and a single overview of your transactions. Without such a provider, you’d have to set up separate arrangements with each bank and payment method.
02/ What payment methods does my online store need?
In the Netherlands, you’ll start with iDEAL, and in addition, offer what your target audience expects: post-purchase payment for fashion and home decor, credit cards for international customers, and payment on account for business customers. Each method incurs a fee per transaction, so we’ll assess which ones add revenue and which ones only incur costs.
03/ How do you choose between payment providers?
Four things: the rates for your order mix, which payment methods you need, how payouts and administration work, and who to call if a payment gets stuck. We work with multiple providers and don’t earn anything from your choice, so we’ll lay out the comparison in writing.
04/ Can we switch payment providers?
Yes. Technically, it involves setting up a new integration in your online store, which we’ll build alongside your current one so you can transition without any downtime. Be sure to pay close attention to your current contract and any subscriptions or recurring payments, as these need to be properly transferred. We’ll map that out in advance.
05/ How much does a payment service provider cost?
You pay per transaction, and that rate varies by payment method and provider. For small amounts, a fixed fee per transaction carries more weight; for large amounts, a percentage does. We calculate the rates based on your order mix, because that’s where the difference lies—not in the rate schedule.