Enterprises across Europe run on SAP—whether for finance, procurement, customer experience, or digital commerce. But when it comes to integrating payment processing, things can get complicated quickly. Traditional integrations are often clunky, time-consuming, and riddled with compliance risks. Even worse, they disrupt the flow of data between your SAP landscape and your finance or customer […]

Agentic Commerce is transforming how transactions are initiated and completed—by intelligent agents, not just humans. This in-depth guide explores how AI, autonomous systems, and programmable payments are reshaping the future of commerce and payment processing, and what businesses need to do to stay ahead.

The way we move money is changing. Not overnight, and not with loud fanfare. But steadily—underneath the surface of day-to-day transactions, under the rules of regulators, and across the servers of financial infrastructure providers.

France is a country that’s both fiercely proud of its traditions and surprisingly receptive to change, the way consumers and businesses handle payments reveals a lot about how France works—and how businesses outside it can succeed within it.

The B2B market today is filled with companies claiming the same qualities: efficiency, scalability, and innovation. However, these terms are becoming increasingly indistinct and fail to differentiate businesses in a meaningful way. In such a competitive environment, what truly helps a company stand out is a messaging strategy that speaks directly to the real needs […]

At Novalnet, we view trust not as a marketing phrase but as an operating principle—one that guides every decision we make. We’re pleased to share that we’ve recently completed the SOC 2 Type II audit across all our global operations.

Subscription-based models have rapidly evolved from a niche offering to a mainstream expectation. Whether you’re running a SaaS business, offering online courses, managing a fitness center, or publishing exclusive digital content, one thing is certain: your ability to automate payments and reduce churn can make or break your business.

Businesses need more than just a way to accept payments in an increasingly digital world—they need reliable infrastructure, compliance, and future readiness. That’s where a payment service provider (PSP) comes in. This article breaks down what PSPs do, how they’re evolving across Europe, and what merchants should expect by 2026. What Is a Payment Service […]

As the popularity of cashback, loyalty, and bonus programs grows, so too do the regulatory challenges that accompany them—especially for providers operating within the European Union. These business models often rely on complex financial flows between third-party manufacturers, program operators, and consumers. This makes it essential to ensure that every transaction is processed in accordance […]

What is a Virtual IBAN? A Virtual IBAN (International Bank Account Number) is a digital alternative to a traditional IBAN that enables businesses to receive and manage payments in multiple currencies through a centralized system. While it functions like a real bank account on the surface—receiving payments, assigning references, and processing transactions—it is actually a […]

Introduction to SEPA Direct Debit The Single Euro Payments Area (SEPA) continues to revolutionize euro transactions across Europe. Created to unify and simplify cross-border payments, SEPA supports efficient euro bank transfers within 36 participating countries. SEPA Direct Debit (SDD) is a crucial feature of this system. It enables businesses to collect payments from European customers […]

No CFO ever called a press conference because their payments processed flawlessly. But ask anyone in the room during a failed payout, a blocked transaction, or a cross-border refund gone wrong—and you’ll find the real cost of unreliable payments. Payment failures are widely reported in the news, whereas successful, routine operations rarely make headlines. Payment […]