A question buyers ask AI

How do accounting platforms compare when it comes to letting clients pay an invoice online by card or bank transfer, and which ones have the lowest transaction fees?

Measured in 1 answer, last on Nov 10, 2026. Only the passages that name a brand are shown.

Brands in the answers

BrandNamed inRecommended inPositiveAvg. position
Stripe100%100%100%3
Lexware Office100%100%100%4
Mollie100%100%100%5
QuickBooks Online100%0%0%—
SumUp100%0%0%—
sevdesk100%0%0%—
Xero100%0%0%—
Zoho Books100%0%100%—

Where each answer names a brand

Answer 1 · Nov 10, 2026 · 3 sources cited
Stripe#3RecommendedSite citedpositive
“Best value for card payments: Stripe at 1.5% + €0.25 for standard EEA cards.”
+ payment infrastructure

“Excellent payment infrastructure.”

+ payment links and online checkout

“Payment links and online checkout.”

+ integration with accounting platforms

“Integrates with many accounting platforms.”

+ international customers

“Good for international customers.”

+ competitive card fees

“Competitive card fees and flexible payment links”

− technical setup

“More technical setup may be necessary to connect it to your accounting software.”

Lexware Office#4Recommendedpositive
“Lexware Office: Particularly interesting for German businesses. Its customer portal lets clients pay invoices by bank transfer or PayPal. It also supports QR codes for both payment methods.”
+ customer portal payment options

“Its customer portal lets clients pay invoices by bank transfer or PayPal.”

+ QR code support

“It also supports QR codes for both payment methods.”

+ German invoicing suitability

“Simple, inexpensive German invoicing”

Mollie#5RecommendedSite citedpositive
“Best alternative payment provider: Mollie.”
+ European business suitability

“Particularly attractive for European businesses.”

+ European payment methods

“Supports cards, SEPA and several other European payment methods.”

+ payment links and checkout options

“Payment links and checkout options.”

+ straightforward pricing

“Straightforward pricing.”

+ inexpensive bank transfer

“Best inexpensive online payment option: Mollie bank transfer at €0.25.”

− card processing cost

“Card processing is slightly more expensive than Stripe's standard EEA card rate.”

“QuickBooks: Has integrated invoice payments in supported markets, but its payment options and pricing are country-dependent.”
+ integrated invoice payments

“Has integrated invoice payments in supported markets”

− country-dependent payment options and pricing

“but its payment options and pricing are country-dependent.”

“SumUp is worth investigating if you also accept payments in person.”
+ card-present transaction rates

“Standard card-present transactions: 1.39%.”

− rates not for online invoice payments

“However, these are card-present rates, not necessarily the rates for online invoice payments.”

sevdeskmixed
“sevdesk: Strong German accounting functionality, including invoicing, payment tracking and bank reconciliation. However, check the payment integration requirements if you want customers to pay directly by card.”
+ German accounting functionality

“Strong German accounting functionality, including invoicing, payment tracking and bank reconciliation.”

− card payment integration requirements

“However, check the payment integration requirements if you want customers to pay directly by card.”

Xeromixed
“Xero: Offers flexibility through payment integrations, but the payment processor determines the actual transaction fees.”
+ flexibility through payment integrations

“Offers flexibility through payment integrations”

− transaction fees determined by payment processor

“but the payment processor determines the actual transaction fees.”

Zoho Bookspositive
“Zoho Books: Worth considering if you want to connect invoicing with a broader business automation system.”
+ business automation integration

“Worth considering if you want to connect invoicing with a broader business automation system.”

Sources the answers cite

← All questions and the Accounting & Bookkeeping ranking