PAYONE logo

PAYONE

by PAYONE · Since 2017
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Quick facts
VendorPAYONE
Year launched2017
StatusActive
LocationFrankfurt am Main, Germany
Countries servedN/A
Languages9
Integrations12+
Free tierNO
Free trialNO
Contact salesYES
Last reviewed: Jun 2026

About PAYONE

PAYONE is a leading payment service provider in Germany and Austria, offering omnichannel payment solutions for online shops, retail stores, and mobile businesses.

PAYONE is a prominent full-service payment provider serving the German and Austrian markets with a robust suite of tools for retail, e-commerce, and hospitality. The platform excels in its omnichannel capabilities, allowing businesses to unify their payment processing across physical terminals, online webshops, and mobile applications. Key strengths include a wide array of supported payment methods, including major credit cards and digital wallets, alongside advanced features like dynamic currency conversion and automated dunning management. For e-commerce merchants, PAYONE offers various integration levels, from simple payment plugins to individual API-based solutions. While the platform provides extensive documentation and a dedicated support team, its pricing structure is tiered based on transaction volume and business model, often requiring a consultation for enterprise-level needs. The service is highly regarded for its reliability and compliance with strict financial regulations, making it a strong choice for businesses seeking a secure and scalable payment infrastructure.

Pros & Cons

Pros
  • Comprehensive support for both physical and online payment channels.
  • High system availability and compliance with German financial regulations.
  • Advanced fraud prevention and risk management tools included.
  • Seamless integration with major e-commerce platforms and accounting systems.
  • Excellent customer service and support resources for merchants.
Cons
  • Pricing for enterprise-level solutions is not publicly listed and requires individual consultation.
  • Setup fees apply to most e-commerce starter and professional packages.
  • Advanced features like automated dunning and risk management may require specific plan configurations.

Features

Key features

Omnichannel Payment

Supports seamless payment processing across online shops, physical retail stores, and mobile environments.

Secure Transaction Processing

Provides PCI-certified payment security and fraud prevention tools to minimize payment defaults.

Flexible Payment Methods

Enables acceptance of all major credit cards, debit cards, and digital wallets via smartphone or terminal.

Digital Receipt Management

Automatically generates and archives electronic merchant receipts for up to 24 months.

Dynamic Currency Conversion

Automatically detects the cardholder's home currency for transparent international transactions.

Additional features

Recurring Billing

Supports automated subscription payment plans for recurring customer revenue.

Automated Receivables Management

Streamlines bookkeeping by automating the booking of payment transactions and credit notes.

Professional Dunning Management

Automates the dunning process via email or post with up to 4 stages.

Real-time Reporting

Provides detailed analytics and transaction monitoring through dedicated customer portals.

Payment Links

Allows merchants to generate and send payment links via various channels without a webshop.

MOTO Payments

Facilitates secure processing of credit card payments for mail and telephone orders.

Cashback Service

Enables customers to withdraw cash at the point of sale to reduce cash handling costs.

Tip Service

Allows guests to add tips directly via the card terminal during the payment process.

Tax-Free Shopping

Supports VAT refunds for international customers through integrated refund services.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Monthly plans

E-Com Starter
EUR 0/mo
flat rate · billed monthly

0.00 EUR monthly base fee; 0.99 EUR + Disagio per transaction.

Source: vendor pricing page →
E-Com Pro
EUR 19/mo
flat rate · billed monthly

19.00 EUR monthly base fee; from 0.09 EUR + Disagio per transaction.

Source: vendor pricing page →

Countries & Languages

Countries served
9
Interface languages
10
Billing currencies

Interface languages

EnglishGermanDutchFrenchItalianSpanishPolishCzechSlovak.

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇦🇺AUD🇨🇦CAD🇯🇵JPY🇨🇭CHF🇸🇪SEK🇩🇰DKK🇳🇴NOK

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