Concardis review 2026
How good is Concardis really?
73/100 points
kosten.org editorial team
Last updated: 2026-02-15
73/100
Points
Based on published terms and features
Concardis (Nexi) is one of the most traditional payment service providers in Germany. With its own acquiring licence and both countertop and online payment solutions, Concardis offers a broad portfolio – from the SmartPay app for sole traders to the enterprise solution.
Highlights of our Concardis review
- German acquiring licence
- Offline + online payment
- SmartPay app
- 100,000+ customers
Table of contents
1 Costs & fees
18/28
Points
SmartPay (self-service): 0.9% EC (German debit cards), 1.9% credit card. Countertop terminals: individual terms from 0.23% EC + terminal rental from around €12.90 a month. Online payment via Concardis PayEngine. The fee model is complex for the traditional solutions.
2 Payment methods & acceptance
20/24
Points
All common cards and debit networks. NFC, mobile wallets. Online: credit cards, SEPA direct debit, PayPal (via PayEngine). (giropay/paydirekt were discontinued at the end of 2024 and can no longer be booked.)
3 Hardware & ease of use
15/20
Points
Countertop and mobile terminals from well-known manufacturers (Verifone, Ingenico). SmartPay uses the smartphone's NFC function – no separate terminal needed. The SmartPay app is set up in minutes, while traditional terminals require professional installation.
4 Software & integrations
12/16
Points
Concardis PayEngine as an online payment gateway. Reporting portal for all channels. API for system integration. DATEV interface available. Multi-branch management for chains.
5 Support & contract terms
8/12
Points
SmartPay with no contract commitment. Traditional terminal contracts 24-60 months. Support by phone and email, quality varies. PCI DSS certified. Nexi Group backing.
Pros & cons at a glance
Pros
- Online + offline from a single source
- SmartPay without hardware
- German tradition
- Own acquiring
Cons
- Traditional contracts are long-term
- Support could be better
- SmartPay more expensive than the competition
Conclusion: Concardis review
73/100
Good (2.4)
Concardis is a solid German payment partner, especially for companies that want online and offline payments from a single source. SmartPay makes entry easy but is not quite at the front on fees.
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