What are the fees for NETOPIA vs ING?

NETOPIA charges from 0.99% + 0.30 RON plus Not publicly specified monthly fee. ING charges 1.5% - 2.5% plus May exist monthly fee. PayLinks offers competitive rates with no monthly fee.

Can I use NETOPIA and ING together?

Yes, many businesses use multiple payment platforms for redundancy or different channels. You can use one for your main store and PayLinks for quick payments sent directly to clients.

Is there a simpler alternative to both?

Yes! PayLinks is built specifically for those who want to collect payments simply, without technical complexity. Setup in 30 seconds, no business registration required, no website needed. Ideal for freelancers and individuals.

NETOPIA vs ING - Comparison 2026

TL;DR — In Brief

NETOPIA is best for online stores with high volumes. ING is better suited for existing ing customers. If you're a freelancer or have a small business and want to collect payments simply without complications, PayLinks may be the best option - 30-second setup, no monthly fee, no business registration required.

Simpler than both

Create a payment link while you compare processors.

Use PayLinks for invoices, deposits, or one-off client payments without waiting to choose a full payment stack.

Create a payment link Compare PayLinks

NETOPIA

Fee:from 0.99% + 0.30 RON

Monthly fee:Not publicly specified

No business req.:No

ING

Fee:1.5% - 2.5%

Monthly fee:May exist

No business req.:No

PayLinks

Fee:2%

Monthly fee:$0

No business req.:Yes

Detailed Feature Comparison

Feature	NETOPIA	ING	PayLinks
Payment links	✅	❌	✅
Recurring payments	✅	✅	✅
Apple Pay	✅	✅	✅
Google Pay	✅	✅	✅
Revolut Pay	❌	❌	✅
No business required	❌	❌	✅
No website required	✅	❌	✅
Instant setup (30 sec)	❌	❌	✅
Local support	✅	✅	✅

What is NETOPIA?

NETOPIA Payments (Link2Pay) — "The largest payment processor in Romania". A payment processor for online stores and businesses.

Strengths:

✅Lowest fees in market (0.99%)
✅Market leader - used by largest companies
✅Link2Pay for payments without full website

Weaknesses:

⚠️Enterprise and large store oriented
⚠️Complex integration for beginners
⚠️Support can be slow during busy periods

What is ING?

ING POS — "Do your thing". A banking payment processing solution.

Strengths:

✅Modern Home'Bank app
✅Competitive rates for customers
✅Trusted international brand

Weaknesses:

⚠️Must be ING customer
⚠️Bank bureaucracy
⚠️Slow setup

The Alternative: PayLinks

PayLinks

If neither NETOPIA nor ING seem ideal, maybe because:

⚠️You don't want to pay monthly fees even when you have no sales
⚠️You don't have (or don't want) a website
⚠️You don't have a registered business and want to collect payments as an individual
⚠️You don't want to wait days for approval

...then PayLinks is made for you. Built specifically for freelancers and small businesses.

30s

Full setup

Monthly fee

Payment methods

Global

Payments

Create a payment link →PayLinks vs Stripe

Which one fits you?

Choose NETOPIA if:

☑️Online stores with high volumes
☑️Companies with dedicated technical team
☑️Businesses processing many transactions

Choose ING if:

☑️Existing ING customers
☑️Small-medium businesses as ING clients

Choose PayLinks if:

✅Freelancers and solopreneurs
✅Individuals wanting to collect online
✅Private tutors and teachers

Questions about NETOPIA vs ING

It depends on your needs. NETOPIA is ideal for online stores with high volumes, while ING is better suited for existing ing customers. If you're a freelancer or have a small business and want simplicity, PayLinks may be a better option - 30-second setup, no monthly fee.