How to choose the best payment gateway for your mobility business?

How to choose the best payment gateway for your mobility business?

As you're getting close to launching your vehicle-sharing business, one of the important decisions is what payment gateway to use. Without one, you won't be able to collect payments from users via app. But choosing the right solution might feel daunting since so many options are available.

The good news is – we've got you covered.

In this article, you'll find an overview of what payment gateways are, what payment processing solutions integrate with ATOM Mobility, and the key factors to consider when choosing a payment gateway for your shared mobility venture.

What is a payment gateway?

Simply put, a payment gateway is the “bridge” between the customers' payment method and your bank account. It's the tool that validates your customer's card details or credentials for online payment methods (e.g., digital wallets such as ApplePay) to ensure that funds can be transferred to you, the operator.

For ATOM Mobility users, there's an option to choose between two types of payment gateways:

Hosted, when the client is taken to an external payment page hosted by the payment gateway provider to enter their payment details, such as credit card information or login credentials (e.g., PayPal or local bank integrations). In our case, the payment page opens in-app, meaning that the end customer won't know the payment takes place outside of the app.

Self-hosted/native SDK integration is when the payment gateway system is integrated into the app, allowing the client to complete the payment without leaving the site.

Most businesses nowadays use such hosted and integrated payment solutions – those are quick and easy to set up, and the solution provider takes responsibility for transaction validation and security.

How do hosted and integrated payment gateways work?

Your business most likely has a bank account used to manage the company's cash flow. It's, for example, where you make and receive payments for invoices issued.

Now, to start accepting payments at scale, you need to set up a payment gateway that will allow you to automate the process of collecting payments. It's impossible to manually prepare and send an invoice to every customer for every ride – those could be thousands of invoices a day for relatively small amounts.

Payment gateways link your bank account with the customer's chosen payment method that they'll be asked to add when downloading your app. From then on, whenever clients use your shared mobility solution, your payment gateway will collect the money, then transfer it to your bank account within few days.

For their service, payment gateway service providers charge a processing fee, which can be either a specific amount or a percentage of the transaction value. The fees vary depending on the service provider, the type of card the client has added, and more.

For example, Stripe’s regualar fee is 1.5% + €0.25 for European cards. For a €4 transaction, they'd charge 1.5% of €4 + €0.25. That's a €0.265 commission in total.

As you estimate your business' expenses and potential profits, such processing fees must be carefully considered. In the shared mobility industry, such microcharges can quickly add up and “eat” as much as 6.6% of your revenue (see the Stripe example above).

Payment gateway providers that integrate with ATOM Mobility

The ATOM Mobility platform integrates with a number of payment gateway solutions, which will allow you to collect payments wherever your business is based. Once you've chosen the one that's right for your business and set up the account, you can connect it to your ATOM Mobility account.

But first things first – here are the many options available to you:

Stripe

Stripe is one of the most popular payment processing solutions worldwide, allowing businesses to accept and manage online payments. It enables businesses to accept credit and debit card payments, digital payments, and more. Stripe also supports Apple Pay, Google Pay, Bancontact, iDEAL and more.

Pros

  • Supports 135+ currencies
  • Easy to set up, with an intuitive user interface
  • Supports a wide range of payment methods
  • Transparent pricing – flat rate per transaction, no monthly fees
  • With the help of ATOM Mobility, you can get a significant discount on transaction fees

Cons

  • Doesn't operate everywhere in the world
  • Fees for international transactions can be higher than competitors'

Payment processing fee (without discounts provided to ATOM Mobility clients):

  • 1.5% + €0.25 for European cards
  • 2.5% + €0.25 for UK cards
  • 3.25% + €0.25 for international cards

Adyen

Adyen is among the largest companies in the payment processing market. This payment processor supports over 250 payment methods, including Apple Pay, Google Pay, PayPal, and Klarna.

Pros:

  • Supports 187 currencies
  • A wide range of payment methods and currencies supported
  • No monthly or setup fees

Cons:

  • Transaction fees may be a bit unpredictable, as they vary a lot depending on the payment method
  • Adyen requires new merchants to have at least 1 000 000 EUR in annual turnover, so it may be complicated to open an account. ATOM Mobility can assist with special conditions, as our customers have no minimum threshold.

Payment processing fee:

  • €0.11 + payment method fee (see here)

Checkout.com

Checkout.com allows merchants to accept payments from a variety of payment methods, including credit and debit cards, various alternative payment methods (PayPal, digital wallets), as well as various local payment methods. Checkout.com has great coverage where Adyen or Stripe do not operate.

Pros

  • Supports transactions in 150+ currencies
  • Easy to set up, clean and intuitive interface
  • Quick payouts

Cons

  • The pricing structure is a bit complex & fees may vary depending on transaction volume
  • Supports 18 payment methods – less than their competitors

Payment processing fees:

  • 0.95% + $0.20 for European cards
  • 2.90% + $0.20 for non-European cards

HyperPay

HyperPay provides payment processing solutions for businesses of all sizes and enables operators to accept both card and digital payments. HyperPay covers the MENA area – Middle East North Africa – and integrates with the ATOM Mobility system.

Pros

  • Easy to set up and integrated with the operator's website or mobile app
  • Supports a wide range of payment options – payment cards, digital wallets, MADA, bank transfers

Cons

  • The pricing structure is a bit complex & fees may vary depending on the payment method and the volume of transactions
  • You can't just create an account – you must get in touch with HyperPay to do it

Payment processing fees:

Depends on the currency and payment method; not stated on the website.

Bambora

A payment processing solution that's available in multiple countries around the world. It offers a range of payment options, including credit and debit cards, e-wallets such as PayPal and Alipay, and more.

Pros

  • Supports payments in multiple currencies
  • Supports a variety of payment options – including AliPay, which is widely popular in China

Cons:

  • Not available in all countries
  • Setting up Bambora can be a bit complex for those with limited technical expertise
  • $49 set-up fee

Payment processing fees:

Fixed fee ($0.10-$0.30) + percentage fee (1.7%-3.9%)

Regional payment solutions

ATOM Mobility integrates with several regional payment gateways, which is helpful for businesses focusing on specific markets. Providing users with an option to pay for your services in their local currency and with a payment method they're familiar with, helps ensure customer satisfaction and loyalty.

Kushki

A payment gateway for businesses in Latin America. Processing fees depend on the country and payment method but typically are between 2.5% and 5% per transaction.

Flutterwave

A payment gateway for businesses in Africa. Transaction fees depend on the payment method and the volume of transactions – usually between 2.9% and 3.8% per transaction.

LiqPay

A payment system is primarily available in Ukraine and other countries in Eastern Europe. Payment processing fee – 1.5% per transaction.

ConcordPay

A payment processing platform that's primarily available to businesses based in Ukraine. Fees for card transactions range from 1.5% to 3%.

Klix

A payment solution for businesses in the Baltic region of Europe. It allows users to make a payment by simply entering their phone numbers. Payment transaction fees start at 1.3% or min. €0.10.

Exezine

A payment gateway that provides online payment solutions for businesses in Azerbaijan. The fee for card transactions is 5%.

Local bank integrations

Another option is to offer your clients to pay through their local bank integration. Since people tend to prefer payment solutions they are familiar with, offering your clients the option to pay through their local bank integration may help you convince new users to give your ride-sharing service a try.

Expressbank

A bank integration primarily for businesses operating in Azerbaijan, Bulgaria and Albania. Fees for card transactions typically range from 0.7% to 1.5%.

PUMB 

A bank integration primarily for businesses operating in Ukraine. Fees for card transactions typically range from 1.5% to 2.5%

First Atlantic Bank

A bank integration for businesses primarily operating across the Caribbean and Central America. Fees for card transactions vary – contact the bank for more information.

New integrations

Currently, the ATOM team is working on 3 new payment integrations so our clients have more options and can find the most suitable solution for them. If you have a preference regarding the payment gateway, you can talk to our team, and we will plan the integration process together.

Key factors to consider when choosing a payment gateway

As you see, there are dozens of payment gateway solutions available. But which one is the one and only for your business? 

Before you make your decision, here are six crucial things to consider:

  1. Stability and SLA - how secure and stable the solution is. This should be the first criterion, as cooperating with an unstable solution will lead to losses. Do other similar businesses use them? Do they have case studies? Does their support answer within a reasonable time?
  2. Costs and fees – what will it cost you to set the solution up? How big are the transaction fees? Are there any additional monthly fees? Try to estimate the volume and value of your monthly transactions – for many payment gateway solution providers, the fees depend on these factors.
  3. Payment methods supported – people are different, and so are their preferences regarding online payments. Some prefer to pay with digital wallets, while others only trust banks and their integrations. The more payment methods you'll be able to offer, the larger audience you'll be able to attract.
  4. Regions operating in – does the chosen payment gateway even work in your region? Also, if you're aiming to build a global ride-sharing business, you may want to select a payment gateway with a worldwide presence. 
  5. Holding time – how long can the funds be cleared and transferred to your bank account take? For most payment gateways, it's usually 3-7 days. Generally, the sooner you receive your money, the easier it will be for you to manage your business.
  6. Currencies supported – check whether your payment gateway supports payments in different currencies. People want to pay in their local currency, so you want to ensure they have such an option.
  7. Security – as a rule of thumb, you want your payment gateway to be level-1 PCI DSS compliant and have fraud detection features.

To sum up

Choosing the most appropriate and cost-efficient payment gateway may feel daunting at first, but the secret to making this process easier is just knowing exactly what you want and need. 

Where is your business going to operate? 
How big is your target market?
How much can you make in your first year in business? Be realistic.
Where do you see your venture in 3-5 years?

By answering these questions, you'll have a clearer picture of what you need from your payment gateway solution provider. 

Good luck!

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The hidden costs of running a shared mobility business
The hidden costs of running a shared mobility business

🚲 The biggest costs in shared mobility are often the ones riders never see. Behind every trip is a constant cycle of fleet balancing, maintenance, charging, customer support, and compliance. As fleets grow, these operational costs can have a bigger impact on profitability than the vehicles themselves. This article explores the hidden costs that shape every shared mobility business.

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Shared mobility often looks simple from the outside. A user opens an app, unlocks a vehicle, completes a trip, and moves on with their day. But not everybody knows that the system behind every ride is a bit more complex and can be quite expensive. For many operators, the biggest expenses are not always the most obvious ones.

As shared mobility continues to grow across Europe, operators face increasing pressure to improve efficiency while maintaining service quality. According to the latest European Shared Mobility Index, shared mobility services generated more than 700 million trips across Europe in 2025, reflecting continued demand for alternative transportation options. At the same time, profitability remains one of the industry's biggest challenges.

Across more than 300 shared mobility projects worldwide, one pattern appears consistently: operators often underestimate operational costs during launch planning while focusing primarily on fleet acquisition, permits, and launch activities. The largest challenges often emerge later through day-to-day operations, where downtime, fleet balancing, maintenance, customer support, and compliance costs gradually impact profitability.

Downtime costs more than most operators expect

Every shared vehicle is an asset that only generates revenue when it is available to users. A scooter waiting for repairs, a bike with a flat tire, or a car that has not been inspected after damage generates no revenue at all. For example, a scooter generating an average of two rides per day at €3 per ride produces roughly €2,200 in annual revenue. If recurring maintenance issues keep that vehicle unavailable for two weeks each quarter, the shared mobility operator could lose more than €250 in annual revenue from that vehicle alone. Across hundreds or thousands of vehicles, downtime quickly becomes a significant operational cost.

Yet the costs continue to build up – insurance, depreciation, financing, storage, and operational overhead do not stop simply because a vehicle is unavailable.

This becomes particularly noticeable as fleets grow. A single inactive vehicle may not seem significant but hundreds of inactive vehicles spread across multiple cities quickly become a major financial problem.

That is why many operators invest heavily in fleet visibility and operational tools. Platforms such as ATOM Mobility's vehicle sharing software help operators monitor vehicle status in real time and identify issues before they affect large parts of the fleet.

Unmet demand heatmap  (ATOM Mobility dashboard)

Fleet balancing becomes a business of its own

One of the least visible costs in shared mobility is fleet redistribution. Users naturally travel between different parts of a city. Over time, vehicles begin clustering in some areas while disappearing from others. The result is familiar to most operators – too many vehicles where demand is low and not enough where demand is highest. Solving this problem requires people, vehicles, planning, and technology. Large operators often maintain dedicated teams responsible for things like fleet redistribution, battery swapping, charging operations, station monitoring and demand forecasting.

Academic studies of bike-sharing systems consistently identify balancing and redistribution as some of the biggest operational challenges because they directly affect both utilisation and customer satisfaction. When users cannot find a vehicle nearby, they often choose another transport option instead. It’s even more difficult during big events, tourist seasons, weather changes, and rush hours when demand patterns shift rapidly.

Charging operations can become a major expense

For operators managing electric scooters, bikes, and mopeds, battery charging creates another layer of operational complexity. Vehicles must be collected, charged, swapped, and returned to high-demand locations. Labour, logistics, warehouse space, charging infrastructure, and electricity costs all contribute to the overall cost of fleet operations.

As fleets grow, charging efficiency becomes increasingly important. Poor battery management can increase downtime, reduce vehicle availability, and create unnecessary operational costs. For operators managing thousands of electric vehicles, charging and battery-swapping operations can require dedicated teams, warehouses, charging infrastructure, and specialised software to coordinate daily tasks efficiently.

Service app by ATOM Mobility

Small maintenance issues rarely stay small

Most vehicle problems start as minor issues but then become a bigger problem. A slightly damaged brake, a worn tire, a loose component, or a battery performing below normal levels may not immediately remove a vehicle from service. Left unresolved, however, these issues often become larger repairs that require more time, more money, and more operational effort.

For this reason, maintenance is no longer viewed as a reactive task by many successful operators. Instead, it is becoming an ongoing operational process supported by automation, diagnostics, and task management systems. So it’s important to identify problems before users do.

Many operators are moving toward more structured maintenance workflows, similar to the approaches discussed in ATOM Mobility's fleet management automation insights.

Customer support grows with every vehicle added

Customer support is often not thought enough about during launch planning. Founders typically focus on vehicles, apps, and pricing. Few spend enough time calculating the operational cost of helping users when things go wrong.

Support requests usually involve payment issues, failed unlock attempts, damaged vehicles, parking questions, account verification, trip disputes and other day to day problems. A fleet generating 100,000 monthly rides may receive hundreds or even thousands of support requests related to payments, parking violations, damaged vehicles, or account verification.

The cost of poor support is often higher than the cost of support itself because unresolved issues directly affect retention and reviews.

Regulation creates costs that did not exist five years ago

The shared mobility industry has grown significantly. A decade ago, many cities welcomed operators with relatively few requirements. Today, most cities expect detailed reporting, parking compliance, safety measures, accessibility standards, and operational transparency.

Operators increasingly need to invest in:

  • reporting systems
  • compliance processes
  • city partnerships
  • parking management
  • operational monitoring

These requirements create additional costs, but they are quickly becoming part of doing business in the sector. At the same time, cities are becoming more selective about which operators receive permits and long-term partnerships, making operational quality an increasingly important competitive advantage.

The strongest operators focus on efficiency, not just growth

Hidden costs rarely appear in business plans or launch announcements. They emerge gradually through downtime, maintenance, balancing, customer support, charging operations, and compliance requirements. Individually, each cost may seem manageable. Together, they often determine whether a mobility business becomes profitable.

Shared mobility businesses often talk about fleet size, market expansion, and trip volume. The operators that build sustainable businesses tend to focus on a different set of metrics, including vehicle utilisation, downtime, maintenance efficiency, and operational automation. Growth still matters, but it becomes expensive quickly when operational control is lacking.

Across the shared mobility industry, operational excellence is increasingly becoming a stronger competitive advantage than fleet size alone.

How technology helps control hidden operational costs

Many of the hidden costs discussed in this article can be reduced through better operational visibility and automation. Modern mobility management platforms help operators monitor fleet health, detect issues before they lead to downtime, automate maintenance workflows, prioritise field operations, optimise redistribution using real-time demand data, coordinate charging and battery-swapping activities, automate refunds for unsuccessful rides, and generate compliance reports with no manual effort.

At ATOM Mobility, we've seen these challenges across more than 300 shared mobility projects worldwide. While every market is different, operators that invest in operational efficiency early are often better positioned to achieve sustainable growth and profitability.

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Why station-based bike sharing is coming back: research and real-life examples of successful businesses
Why station-based bike sharing is coming back: research and real-life examples of successful businesses

🚲 While dockless scooters and e-bikes often seems to be the popular choice, many of Europe's most popular shared mobility programs are station-based bike-sharing networks. Systems like Vélib' in Paris, Bicing in Barcelona, and BikeMi in Milan continue to grow by combining predictable parking, strong integration with public transport, and increasingly popular e-bike fleets. What these programs have in common, how they operate at scale, and why many cities continue investing in station-based bike sharing?

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During 2019-2025, most of the attention in shared mobility went to dockless scooters. They were quick to deploy, highly visible, and seemed like the future of urban transport. But while many scooter operators expanded, consolidated, or exited markets, station-based bike-sharing systems quietly continued growing.

According to the 2025 European Shared Mobility Index, public bike-sharing schemes generated around 238 million trips in Europe, while private bike-sharing operators recorded another 124 million trips. Together, bike-sharing services accounted for more than 360 million annual rides out of more than 700 million rides (the other half was generated by free-floating scooters). While the industry spent years experimenting with different models, station-based bike sharing remained remarkably resilient. In many cities, it has become part of everyday transport infrastructure rather than simply another mobility service.

BikeMi bike-sharing station

The bike-sharing market is becoming more structured

One of the clearest themes from the latest index is that the market is becoming more disciplined. Operators are no longer chasing every possible market. Instead, they are focusing on locations where shared mobility can operate sustainably over the long term. Cities are becoming more selective too, favouring systems that fit into wider transport networks rather than uncontrolled fleet expansion.

This shift has created favourable conditions for station-based bike-sharing systems. Unlike dockless fleets, station-based programs offer more predictable parking, easier fleet management, and stronger integration with public transport. These advantages become increasingly important as cities focus more on accessibility, compliance, and long-term mobility planning.

What do Europe's largest station-based systems have in common?

The strongest argument for station-based bike sharing is the performance of some of the world's largest programs.

Vélib' (Paris)

Paris' Vélib' remains one of the most successful bike-sharing systems in Europe. The network combines thousands of regular bicycles and e-bikes across an extensive station network that covers much of the city. Vélib' generated approximately 48.5 million trips in 2025, making it the highest-ridership public bike-sharing system in Europe.

What makes Vélib' particularly interesting is that, for many Parisians, it has become part of their daily commute alongside buses, metros, and trains. That level of adoption only happens when riders know they can reliably find and return bikes where they need them.

Bicing (Barcelona)

Barcelona's Bicing demonstrates how station-based systems can scale with city support and careful planning. The system combines regular bicycles and e-bikes and has become deeply integrated into the city's transport ecosystem. Bicing recently surpassed 100 million total rides, making it one of the most successful public bike-sharing programs globally. Barcelona is becoming a fascinating mobility case study: shared scooters were banned, private dockless bike-sharing is being phased out, while the city continues expanding the public Bicing network. A clear signal that some cities are prioritizing station-based and publicly managed micromobility over free-floating models.

The success of Bicing also reflects a broader trend in Spain, where public bike-sharing systems continue receiving strong institutional support.

BikeMi (Milan)

BikeMi in Milan offers a slightly different model. Rather than focusing on rapid expansion, the system grew steadily through dense station placement, strong commuter adoption, and integration with public transport. Now BikeMi combines traditional bicycles and e-bikes, providing a reliable transport option for both residents and visitors. Its success highlights an important lesson for operators: long-term utilisation often matters more than rapid fleet growth.

Although Vélib', Bicing, and BikeMi differ in scale and geography, they share several common characteristics. All three prioritise station density, integration with city transport networks, and predictable rider experiences.

Electric bikes are changing the economics

One of the biggest developments in station-based bike sharing over the past few years has been the rapid growth of electric fleets. Public bike-sharing fleets are now approximately 48% electrified. More importantly for operators, electric bikes consistently generate more trips than traditional bicycles. Public systems average around 2.7 trips per vehicle per day, while some electric bike fleets achieve up to 4.6 trips per vehicle per day.

Higher utilisation means more revenue per vehicle, a faster return on investment, lower idle fleet costs, and stronger demand throughout the day. Electric bikes also make bike sharing accessible to a broader audience. Longer distances become practical, hills become less of a barrier, and riders who would not normally choose a bicycle are often willing to use an e-bike instead. This is one reason many newer station-based systems are launching with mixed fleets or even fully electric fleets from day one.

Why cities are backing station-based systems again

Across Europe, municipalities are placing greater emphasis on organised mobility systems that can be integrated into existing transport networks. The European Shared Mobility Index highlights several examples, including public support programs for bike-sharing subscriptions in Spain, continued investment in Barcelona's Bicing network, and London's decision to renew its Santander Cycles contract through a long-term investment programme.

For cities, the appeal is relatively clear. Station-based systems provide predictable parking, reduce street clutter, simplify accessibility planning, and make it easier to integrate bike sharing with buses, trains, and metro systems. As regulations become stricter and public space becomes more valuable, these advantages are becoming increasingly important.

Managing a growing station network

As fleets grow, operators need visibility into station occupancy, vehicle availability, charging status, maintenance workflows, payments, rider activity, and customer support. Managing these processes manually quickly becomes difficult, especially when systems expand across multiple districts or cities.

Many operators use platforms such as ATOM Mobility's bike-sharing software to manage stations, vehicles, rider applications, payments, maintenance, and operational workflows through a single system rather than relying on multiple disconnected tools. The largest station-based programs did not become successful simply because they deployed more bikes. They built operational processes capable of supporting growth over many years.

The growth of systems like Vélib', Bicing, and BikeMi suggests that station-based bike sharing has found its place in modern cities long-term. The focus now is less on expansion alone and more on operating reliable, efficient networks that riders can depend on every da

Check out the full 2025 European Shared Mobility Index here: https://fluctuo.com/reports

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