About Payconiq
Payconiq International provides account-to-account payment technology for banks, merchants, and payment providers. The platform enables real-time, omnichannel payment solutions and value-added services across Europe.
Payconiq International is a European payment technology provider that specializes in account-to-account (A2A) infrastructure. Unlike traditional card-based schemes, Payconiq focuses on building a borderless, real-time payment ecosystem that connects banks, merchants, and consumers directly. The platform is designed to modernize legacy banking infrastructure, allowing institutions to offer frictionless, omnichannel payment experiences. Key capabilities include instant transaction processing, integrated loyalty and digital identity services, and robust risk management tools. As a provider-agnostic technology partner, Payconiq has successfully integrated with major European schemes like iDEAL and Bancontact. Following its acquisition by the European Payments Initiative (EPI) in 2023, the company is now a core component of the broader effort to create a unified European instant payment solution. It is best suited for financial institutions and large-scale retailers looking to reduce dependency on non-European card networks and optimize their digital payment infrastructure.
Pros & Cons
- Enables direct account-to-account payments that bypass traditional card network fees and delays.
- Provides a highly scalable, real-time infrastructure for banks and large merchants.
- Supports a unified omnichannel experience across mobile, web, and in-store point-of-sale systems.
- Integrates value-added services like loyalty programs directly into the payment transaction.
- Availability is primarily focused on specific European markets, which may limit utility for global-only businesses.
- Integration requires significant backend alignment with banking infrastructure, making it less suitable for small, non-technical merchants.
- The platform's strategic shift toward EPI integration may impact the availability of standalone legacy features for some partners.
Features
Key features
Facilitates direct, real-time money transfers between bank accounts without relying on traditional card rails.
Supports payment flows across in-store, online, and mobile application environments.
Integrates loyalty programs and digital identity features directly into the payment journey.
Provides bank-grade back-end technology to help financial institutions scale transaction volumes.
Enables cross-border payment connectivity across the BeNeLux region and broader European markets.
Additional features
Executes transactions instantly to improve liquidity and customer experience.
Offers detailed transaction insights for merchants and financial institutions.
Includes built-in regulatory compliance and fraud prevention tools for secure operations.
Connects with existing banking and retail infrastructure to streamline deployment.
Powers mobile-first payment experiences for consumers in Luxembourg and Belgium.
Allows merchants to link rewards and loyalty programs to the payment process.
Supports secure authentication and identity verification within the payment flow.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About Payconiq
Payconiq International provides account-to-account payment technology for banks, merchants, and payment providers. The platform enables real-time, omnichannel payment solutions and value-added services across Europe.
Payconiq Details
Payconiq's In-App Market Place
Does Payconiq have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
12
Mini Apps
1. Invoicely: A popular add-on that allows users to generate and send invoices directly from the Payconiq software
making it easier to manage the financial aspect of their business.
2. Payconiq for WooCommerce: An add-on specifically designed for e-commerce businesses using WooCommerce
allowing customers to pay for their orders using Payconiq
offering a seamless payment experience.
3. Zapier Integration: This add-on enables users to connect Payconiq with over 1
000 other applications
automating workflows and increasing productivity.
4. Multi-currency Support: An add-on that allows users to accept payments in different currencies
making it easier for businesses with an international customer base to process transactions.
5. Real-time Reporting: This add-on provides users with detailed and real-time reports on their payment transactions
helping businesses keep track of their finances and make informed decisions.
Pricing Options
Accepted Payment Currencies
EUR (€), GBP (£), USD ($), AUD (A$), CAD (C$), JPY (¥), CHF (CHF), SGD (S$), HKD (HK$), SEK (kr), NOK (kr), DKK (kr), PLN (zł), CZK (Kč)
Pros & Cons
- Enables direct account-to-account payments that bypass traditional card network fees and delays.
- Provides a highly scalable, real-time infrastructure for banks and large merchants.
- Supports a unified omnichannel experience across mobile, web, and in-store point-of-sale systems.
- Integrates value-added services like loyalty programs directly into the payment transaction.
- Availability is primarily focused on specific European markets, which may limit utility for global-only businesses.
- Integration requires significant backend alignment with banking infrastructure, making it less suitable for small, non-technical merchants.
- The platform's strategic shift toward EPI integration may impact the availability of standalone legacy features for some partners.
Payconiq's Support Options
Email Address
support@payconiq.comDocumentation
https://www.payconiq.com/en/support/Payconiq's Alternatives
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