Accept every payment, multiply your opportunities

payware charges as low as 0.5% transaction fee with no hidden costs, setup fees, or monthly minimums (rates vary by region). Compared to traditional processors charging 2-3% plus fixed fees, merchants typically save 80-90% on payment processing costs, with some high-volume merchants seeing up to 98% savings.

No hardware required. payware payment initiation methods work with devices your customers already have (smartphones, tablets) or simple displays (screens, printed QR codes). This eliminates the €500-2000 cost per terminal that traditional payment systems require.

Instant settlement. With payware account-to-account (A2A) payments, funds are transferred directly from your customer's account to yours within seconds. No waiting 2-3 business days like card networks. Your money is available immediately for reinvestment or operations.

Customers can pay using any of 7 payment initiation methods: QR code scanning, NFC tap-to-pay, payment links, text codes, traditional barcodes, Bluetooth proximity, or audio soundbites. You offer all methods automatically with one integration, letting customers choose their preference.

A2A payments have significantly lower dispute rates than card payments because they require explicit customer authorization through their banking app. When disputes do occur, payware provides clear transaction records and works with both parties to resolve issues fairly within the payment institution's dispute resolution framework.

Yes, all 7 payment methods work seamlessly for both online and physical sales. Display QR codes at checkout counters, embed payment links in emails, use NFC for tap-to-pay in stores, or enable soundbite payments during live events. One platform handles all sales channels.

payware offers flexible pricing that scales with your business. The BASIC plan has a minimum fee of €7.98/month if you process less than €1,000 in payments. Once you exceed €1,000/month, you pay only a low flat % transaction fee with no monthly minimums or volume tiers (rates vary by region, typically starting from 0.5%). This ensures affordability for small businesses while maintaining the same low rates as you grow.

payware is a universal standard supported by growing network of payment institutions globally. The network includes major banks and financial institutions committed to open payment interoperability. When a customer initiates payment, they use their existing banking app from any institution in the network. Contact us to verify availability in your region.

Refunds are processed instantly through the same A2A payment channel. Simply initiate a refund from your merchant dashboard, and funds are returned directly to the customer's account within seconds. Unlike card networks with complex chargeback processes, payware refunds are straightforward, transparent, and immediate—improving customer satisfaction and reducing administrative overhead.

payware is built on highly reliable payment infrastructure with 99.9%+ uptime. In rare cases of temporary bank system maintenance, customers can choose to pay through an alternative payment institution or use a different payment method. The payment flow gracefully handles these scenarios, ensuring minimal disruption to your sales process.

Yes. payware provides white-label capabilities allowing you to customize payment screens, confirmation messages, and branding elements to match your business identity. You can also customize QR code designs, payment link landing pages, and notification emails. Our APIs give you full control over the customer experience while maintaining payment security and compliance.

Integration typically takes 1-2 days for basic setup using our pre-built plugins for major e-commerce platforms (WooCommerce, Magento, etc.). Custom API integrations usually take 1-2 weeks depending on complexity. We provide comprehensive documentation, sandbox environments, and dedicated integration support to ensure smooth onboarding. Most merchants are accepting payments within 48 hours of starting integration.