Payconiq

Android · iPhone · API

Freedom report

One barScore 5.6

Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

Payconiq is ranked #76 of 82 in money transfer apps on Freedom251, made by Payconiq (9-11 rue Joseph Junck, L-1839 Luxembourg, Luxembourg). It runs on Android, API, iOS.

Payconiq plans and pricing

All plans

Payconiq for merchants No subscription or installation fees; merchants pay when they receive a payment. Commission pricing is adapted to the merchant; no fixed costs stated payconiq.lu · 11 Oct 2026

Compared on money transfer apps

Free plan: Yes
Recipient methods: bank
Mobile platforms: both
Transfer tracking: Yes

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The record

What it does: Payconiq is a mobile banking payment solution for paying in stores, online and in apps, paying bills, and transferring money.
Payment flow: Payments are made directly from the user’s bank account to the recipient’s account.
Merchant uses: The maker lists point-of-sale, e-commerce, invoice payments and nonprofit fundraising as merchant use cases.
In-store options: Merchants can accept payments using terminal, customer-screen, receipt or standalone QR codes, including QR codes with customer-defined, fixed or changeable amounts.
Online checkout: Online merchants can offer QR-code payments or App2App payments, with payment confirmation returned to their system after bank approval.
Integrations: The maker says Payconiq works with e-commerce plugins but does not name them on the page; its point-of-sale page also describes integration with POS systems.
Security: Payconiq describes itself as a banking service that meets high security and encryption standards.
Regulatory status: Payconiq International SA says it is authorized as a Luxembourg payment institution and supervised by the CSSF.
Mobile apps: The maker says participating banks provide their own Payconiq apps through the App Store or Google Play.
Bank partners: The maker names Spuerkeess, POST Luxembourg, BIL, BGL BNP Paribas, ING Luxembourg and Raiffeisen Luxembourg as banks offering Payconiq to customers.
User fees: The maker says the bank’s Payconiq app is free and payments, transfers and receipts are free for users, excluding mobile-operator communication costs.
Support: The maker directs consumers to their bank for general information and activation help, and says Buckaroo is the primary merchant-services contact during and after the transition.
Transition: The maker says Payconiq payments are migrating to Wero in 2026 and that the Payconiq brand and app will no longer be used after the transition.
Founded: 2006

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#76 of 82

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Sources

payconiq.lu/en/faq-utilisateurs/· checked 11 Oct 2026
payconiq.lu/en/commercants-new-wero/· checked 11 Oct 2026
payconiq.lu/en/commercants/point-of-sale/· checked 11 Oct 2026
payconiq.lu/en/commercants/e-m-commerce/· checked 11 Oct 2026
payconiq.lu/en/the-company/· checked 11 Oct 2026
payconiq.lu· checked 28 Sept 2026