Multiple businesses but most common is direct wire transfer/bank transfer. The smaller business: generate invoices, send them to the customer, customer has a fe

Multiple businesses but most common is direct wire transfer/bank transfer. The smaller business: generate invoices, send them to the customer, customer has a few choices, the only international ones are IBAN or PayPal (adds fees). Most common used is direct bank transfer. AVG transaction: €2500. Larger business: mostly commerce payments, over 90% is iDEAL (Dutch native payment system - does instant wire transfers between Dutch banks), the rest is either Apple Pay or by invoice/manual bank transfer. Some sub-0.1% uses Credit Cards but it almost costs more to keep it available than the revenue it generates. In all cases we use native banking APIs, no middlemen/broker/processors, except Credit Card. AVG transaction: €50.