What Businesses Must Know About Paymill Today

Updated: October 15, 2025

Maintained Since: February 12, 2013

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Paymill

Rating

3/5

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Note: As of 2022, it appears that the Paymill website no longer exists. It is unclear whether the company still functions. If you have any information about the status of Paymill, please let us know in the comments below.

Online Payment Processing with Simple Integration

Paymill is a European online merchant account provider similar to the U.S. company Stripe. It specializes in offering services to merchants in Germany, Austria, and Switzerland. The company serves merchants and online businesses in over 30 European countries; however, it does not offer services in the U.S. or Canada. Launched in 2012, Paymill primarily offers e-commerce merchant accounts. Paymill merchants can accept payments via the company's own payment gateway or through an integration with PayPal. Klik & Pay acquired Paymill in 2016.

Customer Reviews & Sentiment

Low Complaint Total

We are currently able to locate more than 20 Paymill complaints, none of which accuse the company of being a scam or a ripoff. 5 complaints were located in the comment section of this review, while the majority were found in other consumer forums. Most complaints describe poor customer support, a slow signup process, and having their account shut down due to a risk assessment by Paymill’s internal risk department. While we do not know the facts of the account freezes, it does appear that Paymill’s customer support team receives mixed reviews due to its slow responses.

Paymill Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Paymill. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Paymill Customer Service Options

The company’s website provides contact information for a dedicated support email address and a phone line, which is more than many e-commerce platforms provide. Nevertheless, the complaints of slow service suggest that Paymill does not rank as a top payment processor for customer service at this time.

Industry Scores & User Ratings

The Better Business Bureau does not maintain a profile for Paymill at this time. We therefore will not factor a BBB score into the company’s overall rating.

Processing Rates & Fees

Month-to-Month Contract

The standard Paymill merchant agreement appears to be a month-to-month agreement with no set term. The company does not charge an early termination fee or any PCI Compliance fees, but it does advertise a chargeback fee of €18.75.

The Paymill website lists 2 pricing tiers relative to options between the company’s Base and Professional plans. The Base plan charges €4.95 per month, 1.95% plus €0.25 per Visa/MasterCard EU transaction, and 3.45% plus €0.25 per Visa/MasterCard International transaction. The Professional plan charges €19.95 per month, 1.35% plus €0.25 per Visa/MasterCard EU transaction, and 3.35% plus €0.25 per Visa/MasterCard International transaction. Both plans charge 1% per Sofort transfer.

Other Assorted Fees

We have seen one complaint in the comment section of this review related to Paymill’s processing bank for international payments, Wirecard Bank. The merchant claims that Wirecard charges large conversion fees for foreign currencies in addition to higher-than-average per-transaction fees. Paymill itself acknowledges that currency exchange fees may apply in certain circumstances. A number of other complaints cite Paymill’s refusal to serve certain business types without extensive underwriting and a rolling reserve. Merchants operating in conventionally high-risk sectors may be better served by a top-rated high-risk merchant account provider.

Competitive for the European Market

Overall, Paymill shapes up to be a low-commitment, highly adaptable online payment option for its price. Its focus on European payment processing makes it one of the simplest tools for the markets it serves. That said, we always encourage merchants to check out our list of the providers of thebest merchant services.

Employee Reviews & Sales Practices

Inside Sales Team

Paymill appears to primarily market itself through its website and traditional advertising. There is currently no evidence that the company employs independent sales agents, and we are unable to locate any negative Paymill reviews that accuse its sales staff of unethical behavior. This compares favorably to our list ofbest credit card processors. Paymill’s advertising generally targets web-savvy business owners and developers who are already looking for online payment solutions.

Prohibited Businesses

Paymill is certainly not a viable option for high-risk merchant acccounts. The company’s terms of service detail types of businesses which it will not offer services to under section 9.1, which include: night clubs, erotic bars, swinger clubs, restaurants situated in “red light districts”, arcades, casinos, sex stores, and weapons companies, among others.

No Deceptive Quotes

Additionally, the company does not appear to engage in unethical advertising strategies in its official materials. The company’s pricing is clearly displayed and easy to understand. If you suspect that Paymill is charging you hidden fees, however, we recommend seeking a third-party statement audit.

Paymill Competitors

Compare Paymill to competitors that earned top marks.

Pricing

Bottom Line

A Simple European E-Commerce Solution

Paymill rates as a reliable merchant services provider according to our rating system. The company is showing a low number of online complaints and appears to offer transparent, competitive contract terms. Paymill’s focus on easy software integration also offers an added value that merchants may find appealing. Since Paymill is not available in the U.S., American developers are advised to work with a top-rated merchant account provider for developers.

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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