PAYMILL review
A transaction-priced gateway for European developers building payments into web and mobile products.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PAYMILL is an online payment gateway for merchants and e-commerce businesses that need to accept payments through websites and apps. Its integrations support direct checkout without redirects, while the platform also covers recurring subscriptions, refunds, tokenization and marketplace payments with merchant onboarding and commissions. Developers can work with a REST API, mobile integration options, shop plugins and libraries for PHP, Ruby, Java, Python, Node.js and .NET. PAYMILL states that it supports businesses in 40 countries and processes payments in 100 currencies, with payouts in 23 currencies.
Pricing is transaction-based. The PAYMILL plan charges 2.95% plus €0.28 per successful transaction, with no setup fees, monthly fees or hidden fees listed. Funds are settled every 7 days. This structure may suit businesses that want to avoid recurring platform charges, while the percentage fee and fixed transaction component should be considered for higher-volume or lower-value payments. There is no free plan, and the published pricing presents one listed plan rather than separate tiers with expanding feature sets.
PAYMILL’s strongest fit is for European developers who want payment methods, recurring billing and marketplace functionality through established API and plugin options. Its scope is broader than card-only processing, including SEPA direct debit and PayPal alongside card payments, plus fraud prevention and PCI-related security support. Businesses seeking a highly specialized enterprise payments suite, more detailed pricing segmentation or a different settlement schedule may prefer an alternative. PAYMILL is a practical choice when direct web and app integration and a wide payment-method mix matter most.
PAYMILL pros and cons
- Where it wins
- Supports cards, SEPA direct debit and PayPal
- Includes recurring billing and marketplace payment flows
- Provides REST APIs, SDKs, language libraries and shop plugins
- Where it doesn't
- Charges 2.95% plus €0.28 per successful transaction
- No free plan or monthly subscription tier
- Payouts are settled every 7 days
PAYMILL fact sheet, pricing and score →
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