24pay

24pay for Merchants: Features, Fees, Integrations, and Compliance

Choosing a payment partner is easier when the facts are clear. This overview explains what 24pay offers to merchants, how it works, which payment methods it supports, how pricing and payouts are structured, and what to expect during integration.

Key Takeaways

• 24pay is a regulated payment service provider based in Slovakia and provides an online payment gateway and POS terminals.

• Supported payment methods include cards, Apple Pay, Google Pay, instant bank payments, classic bank transfer, Pay by Square QR, paysafecard vouchers, and SMS payments.

• Account opening is stated as free. Transaction pricing is tailored per merchant; card scheme fees are passed through at cost.

• Payouts are available on daily, weekly, semi-monthly, or monthly cycles, paid in the store’s operating currency.

• Plug-and-play modules exist for popular ecommerce platforms, and a testing environment is available before go-live.

• Card transactions use 3D Secure. 24pay highlights encryption and security controls. Its POS devices are PCI-certified.

What Is 24pay

24pay provides payments for ecommerce and point-of-sale. Online, it delivers a payment gateway with real-time confirmation. In store, it offers a portfolio of POS terminals. 24pay states it is approved and regulated by the National Bank of Slovakia, providing a license reference on its site. For merchants, this means one provider can cover web, mobile, and physical checkout scenarios under a single brand.

Where 24pay Operates and Who It Fits

24pay communicates primarily to merchants in Slovakia and neighboring markets and supports multiple Central European currencies. It is a fit for:

• Small and mid-market ecommerce merchants needing cards, wallets, and local bank payment options.

• Omnichannel merchants that want to add POS devices alongside their online store.

• Businesses selling domestically in EUR or regionally in CZK, HUF, or PLN.

If you operate outside these currencies or need advanced enterprise features, you should confirm coverage and technical scope directly with 24pay.

Supported Payment Methods

24pay lists a broad set of online payment methods. You can enable only the methods you need, and additional methods can be activated later upon request. Supported options include:

• Debit and credit cards

• Apple Pay

• Google Pay

• Instant payments via bank buttons

• Bank transfer

• Pay by Square (QR)

• paysafecard vouchers

• SMS payments

• Click to Pay for streamlined card checkout

Merchants can pick methods at onboarding; only the methods in the signed contract are activated initially. This helps match checkout to customer preference while controlling cost and complexity.

Currencies and Settlement

24pay states it supports EUR, CZK, HUF, and PLN. Funds are paid out in the currency in which your online store operates. This reduces conversion steps and makes reconciliation simpler.

Payouts are credited to your account at regular intervals. Settlement frequency is chosen at contract signature and can be daily, weekly, semi-monthly, or monthly. Fees are deducted at payout, and your client portal shows a pre-payout overview to help you track turnover and fee totals. The statement of expenses is treated as an official tax document.

Pricing and Fees

24pay publishes the structure but not a public tariff for gateway processing. Important points include:

• Account opening: stated as free of charge.

• Transaction processing fee: individualized per merchant. The percentage plus fixed fee depends on your average monthly turnover and the average value of a purchase.

• Card scheme fees: listed transparently on a separate page and passed through at cost. 24pay notes the amounts may vary based on changes by Visa and Mastercard and provides an up-to-date scheme fee table.

• How fees are collected: deducted at payout, with totals visible beside each payout.

For a precise quote, 24pay directs merchants to request an offer. If you process both online and in person, note that POS terminal pricing is also documented separately, including rental fees per device and a current new-customer promotion period. Gateway and POS fee structures are distinct; ensure you get both in writing if you use both services.

Security and Compliance

24pay emphasizes security for card payments:

• 3D Secure is supported for cardholder authentication and protection against unauthorized card use.

• Encryption and security protocols are referenced in its documentation describing card processing flows.

• PCI: 24pay states POS terminals are PCI-certified. For online processing, merchants should still follow standard PCI obligations for their ecommerce environment and confirm 24pay’s role in scope reduction.

The provider highlights real-time processing and modern protocols. For regulated status, 24pay names approval by the National Bank of Slovakia and publishes a license number on site. As with any provider, you should review security documentation during onboarding and confirm responsibilities for SCA, dispute management, and data protection.

Risk, Authentication, and Customer Experience

24pay’s checkout supports 3D Secure and modern wallet flows such as Apple Pay, Google Pay, and Click to Pay, reducing friction when the shopper is already provisioned. Instant bank payments and QR-based flows can offer strong convenience for domestic buyers. 24pay’s materials also reference instant payments and open banking as a growing area, indicating support for faster account-to-account transfer options where available.

These methods can lift authorization rates and reduce cart abandonment, but performance will vary by customer mix. You should test your preferred combination in the provided sandbox before go-live.

Recurring and On-Demand Payments

24pay notes support for on-demand recurring payments. This model typically uses an initial customer authorization, then allows subsequent charges when triggered by the merchant. It is useful for subscriptions with variable billing amounts, usage-based billing, or manual renewals. Confirm with 24pay how card credential reuse is handled and which mandate language is required at checkout for compliance and dispute mitigation.

Integrations and Developer Tooling

24pay provides:

• Ready-made ecommerce modules for WooCommerce, OpenCart, Magento, VirtueMart, and PrestaShop.

• A testing environment for developers and clients. A test transaction is required before live launch.

• Language-agnostic APIs compatible with common programming languages including C, C++, Objective-C, Java, Python, PHP, and others.

• Technical support during implementation via a direct support email.

This combination suits most ecommerce builds and allows rapid proof-of-concept in the sandbox before production credentials are issued.

POS Terminals for Omnichannel Use

If you also sell in person, 24pay offers countertop and handheld terminals from recognized vendors and notes PCI compliance for the devices. Monthly rental fees vary by model and are published, with a first six months free promotion currently communicated on site for POS service. This can be useful for merchants rolling out new stores or seasonal locations.

When selecting a terminal, 24pay advises considering sector, connectivity, and compatibility with cash register or reservation systems. If you use a retail POS, confirm integration specifics, receipt routing, and settlement configuration to keep online and in-store reporting aligned.