PAYONE
What PAYONE is
PAYONE is a paid payment-processing service for merchants in e-commerce and physical retail. It supports web, Android, iOS, and API access, with recurring and marketplace payments plus API, SDK, and plugin coverage. Merchants can accept common payment methods, credit and debit cards, and contactless transactions through smartphones, tablets, or smartwatches. E-Com Starter includes a payment plugin, online payment methods, checkout design options, and a Merchant Interface for transactions, cancellations, and refunds. PAYONE Link creates payment links that merchants can send through different channels. E-Com Starter can connect with common shop systems, while partner interfaces support checkout systems, vending solutions, and webshops. Online options listed include PayPal, Mastercard, Visa, secured invoice purchases, Wero, Google Pay, and Apple Pay. All Card Flat terminals run Android and include touchscreens, receipt printers, and Wi-Fi or LTE. PAYONE is headquartered in Frankfurt am Main, Germany.
Who it suits
PAYONE suits merchants selling online or in physical retail who need card, wallet, contactless, recurring, or marketplace payment handling. Its plans also address occasional sellers, established online shops, and e-commerce specialists.
What it does well
- Supports web, Android, iOS, and API access
- Handles recurring and marketplace payments
- Payment links can be sent through different channels
- Android terminals include touchscreens and receipt printers
- E-Com Starter connects with common shop systems
What to know first
- No free plan is offered
- E-Com Starter charges a 49,00 € setup fee
- E-Com Starter also charges transaction fees
- All Card Flat requires 36- or 60-month options
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| E-Com Pro | 99,00 € one-time setup; 19,00 € monthly base fee; from 0,09 € + Disagio per transaction · For established online shops with many payments | €19 a month |
| All Card Flat | 60-month contract · price shown for monthly card volume of 1.000 € · Monthly flat rate includes payment acceptance and a terminal · pricing varies by monthly transaction volume and contract length | €2,990 a month |
| E-Com Starter | 0,00 € monthly base fee; 49,00 € one-time setup; 0,99 € per payment + 2,49 % of transaction amount · For merchants accepting payments occasionally · includes common payment methods | On request |
| E-Com Individual | Setup fee, monthly base fee, and transaction fee are individually priced · For e-commerce specialists · all PAYONE payment methods and additional services | On request |
As payone.com lists them, read 9 Oct 2026. The maker's own page has the final word.
Verdict
PAYONE combines online checkout, payment links, shop integrations, and Android terminals for retail merchants. Costs and contract terms vary by plan, including setup, transaction, monthly, or volume-based charges.
Facts from PAYONE's own pages
- Contract terms
- All Card Flat lists 36-month and 60-month contract options, with flat-rate prices depending on monthly card transaction volume. · payone.com, 9 Oct 2026
- E-commerce checkout
- E-Com Starter includes a payment plugin, common online payment methods, checkout design options, and a Merchant Interface for viewing transactions, cancellations, and refunds. · payone.com, 9 Oct 2026
- Headquarters
- Frankfurt am Main, Germany · payone.com, 28 Sept 2026
- Integrations
- PAYONE says E-Com Starter can be integrated with common shop systems and that its partner interfaces support integration with checkout systems, vending solutions, and webshops. · payone.com, 9 Oct 2026
- Online payment options
- The E-Com Starter page describes options including PayPal, Mastercard, Visa, secured invoice purchases, Wero, Google Pay, and Apple Pay. · payone.com, 9 Oct 2026
- Payment links
- PAYONE Link lets merchants create payment links with an online tool and send them to customers through different channels. · payone.com, 9 Oct 2026
- Payment methods
- PAYONE says merchants can accept common payment methods, credit and debit cards, and contactless transactions via smartphone, tablet, or smartwatch. · payone.com, 9 Oct 2026
- Pricing limits
- E-Com Starter has a 0,00 € monthly base fee but charges a 49,00 € one-time setup fee and transaction fees. · payone.com, 9 Oct 2026
- Scale
- PAYONE states that it serves 277.000 customers and processes more than 7,65 billion transactions per year. · payone.com, 9 Oct 2026
- Security and regulation
- PAYONE says it works with BaFin to meet legal requirements and describes its payment solutions as subject to high legal security and transparency requirements. · payone.com, 9 Oct 2026
- Support
- All Card Flat includes 24/7 technical support, while E-Com Starter lists telephone customer support and technical help. · payone.com, 9 Oct 2026
- Terminal features
- All Card Flat terminals use Android, have touchscreens and receipt printers, and can be stationary or mobile with Wi-Fi or LTE. · payone.com, 9 Oct 2026
- What it does
- PAYONE provides payment processing for merchants in e-commerce and physical retail. · payone.com, 9 Oct 2026
Where PAYONE stands on Freedom251
- Payment Gateways#40 of 66