Buckaroo

Buckaroo: PSP Overview for Merchants

If you operate in the Netherlands, Belgium, or sell to European customers, Buckaroo is a payment service provider you can use to accept online and in-store payments, manage subscriptions, and add fraud controls without stitching together multiple tools. Buckaroo integrates 40+ payment methods, offers POS and Tap to Pay, and provides back-office reconciliation through its Payment Plaza.

What Is Buckaroo?

Buckaroo is a payment service provider (PSP) that enables you to accept popular local and international payment methods online and in stores. The company highlights coverage across e-commerce and retail, with a focus on the Dutch and Belgian markets and more than 47,000 organizations using its platform. You get an account that connects to Buckaroo’s Payment Plaza, a secure back office where you can track transactions, refunds, and billing tasks.

Where Buckaroo Fits In Your Stack

You can implement Buckaroo as:

• Online gateway/processor: Connect 40+ methods to your checkout, including cards, iDEAL, Pay by Bank, Klarna, PayPal, and regional options like EPS and SOFORT.

• Omnichannel provider: Use Buckaroo’s payment terminals, Tap to Pay for Android, and a transaction service that can connect to third-party terminals.

• Billing and receivables platform: Use subscription management, invoicing, SEPA Direct Debit, and credit management tools from the same vendor.

• Control center: Payment Plaza centralizes reporting, dispute handling (chargeback workflow for cards), refunds (including instant refunds for eligible banks/networks), and payment method configuration.

Payment Methods You Can Offer

Buckaroo focuses on European payment preferences while supporting major global brands:

• Cards: Visa, Mastercard, American Express; with 3-D Secure/SafeKey flows supported and Hosted Fields to keep card data off your servers.

• Bank and account-to-account: iDEAL (including iDEAL QR), Pay by Bank, SEPA Credit Transfer, SEPA Direct Debit, and regional options like EPS (Austria) and SOFORT (DACH).

• Wallets and Pay-later: Apple Pay, PayPal, Klarna (Pay Now, Pay Later, Pay in 3).

• Gift cards: Dutch gift card schemes and others via Buckaroo’s connectors.

Buckaroo’s site publishes per-method pages with short descriptions and indicative transaction costs. Because pricing varies by method and bundle, you should check the relevant method pages and the rates area in your Payment Plaza for exact fees before rollout.

Omnichannel and POS Options

If you sell both online and in-store, you can combine Buckaroo’s terminals with your e-commerce stack:

• Card terminals: Buy, lease, or rent devices; order online; and ship quickly.

• Transaction service for terminals: Link an existing terminal brand (e.g., CCV, Verifone, some Atos models) to Buckaroo’s transaction processing and settlement. The service is positioned with a low monthly subscription and support for both debit and credit acceptance.

• Tap to Pay (Android): Turn an Android device into a payment terminal and tie it to the same transaction service. This can be helpful for pop-ups, delivery, or field sales.

The goal of the omnichannel offering is to unify processing and reporting so your card-present and online payments land in the same operational back office.

Checkout, Plugins, and Developer Experience

Implementation paths include:

• Smart Checkout: A hosted, self-optimizing checkout page that surfaces each shopper’s most likely payment choice at the top of the list and supports in-app or mobile web.

• Hosted Fields for cards: Embedded, PCI-scoped input fields for card number and expiry so sensitive data never transit your servers.

• E-commerce plugins: Free plugins for major platforms (e.g., WooCommerce, Magento, Shopware, PrestaShop, OpenCart, BigCommerce, Lightspeed, Shopify via partner flows). These enable you to switch on methods without custom coding.

• Knowledge base and docs: A searchable knowledge base with integration guides, plus a developer portal and GitHub repos for plugins.

If you run a multi-brand or franchise operation, Buckaroo highlights support for centrally managed setups while allowing local acceptance rules, so you can apply consistent standards with local flexibility.

Subscriptions, Invoicing, and Credit Management

For recurring revenue and B2B invoicing, you can use Buckaroo’s:

• Subscriptions: Create plans, set billing schedules (monthly/weekly/daily), set up one-time fees, collect with iDEAL and SEPA Direct Debit, and manage upgrades/downgrades.

• Invoicing and receivables: Upload or post invoices via API, track status in Payment Plaza, automate reminders, and reconcile incoming transfers.

• Credit management: Choose tiers that add escalation to collection agencies when needed, with per-transaction “all-in” pricing for workflows (billing, payment initiation, and credit management actions).

This stack reduces the number of separate vendors you need for recurring billing, payment initiation, and collections in the Netherlands/Belgium context.

Security, Compliance, and Risk Controls

Key controls you can reference internally:

• Regulatory status: Buckaroo states it is included in the Dutch register of payment institutions and holds a PSD license from De Nederlandsche Bank (DNB).

• iDEAL acquirer: Buckaroo holds an iDEAL license from Currence and operates as an iDEAL acquirer, meaning it can process iDEAL payments directly.

• PCI DSS: Buckaroo indicates it undergoes annual PCI DSS assessments and links to external PCI status references. Hosted Fields help you minimize PCI scope by keeping card data within Buckaroo’s environment.

• Strong Customer Authentication (SCA): Card payment pages describe support for Visa Secure/Mastercard Identity Check/American Express SafeKey.

• Buckaroo Shield: An anti-fraud product with a free baseline tier and a paid Premium tier that lets you set rule logic, manage block/trust lists, and receive automated warnings or rejections.

If you accept cards, confirm your own PCI obligations; Buckaroo’s terms specify that merchants must comply with PCI DSS, and Buckaroo may verify that you’ve implemented required controls.

Settlement and Payout Considerations

Buckaroo’s general terms outline how multi-currency transactions are handled and reference a foundation (Stichting Derdengelden) that acts as a custodian for received funds before settlement to your account. The terms also explain that non-EUR payments are credited and invoiced in the original currency unless agreed otherwise, and that if you settle non-EUR funds to a EUR account, the conversion and bank costs are for your account. Review these points closely if you price or settle outside the eurozone.

Who Buckaroo Suits Best

Buckaroo is a practical fit if you:

• Need Dutch/Belgian coverage with iDEAL today and Wero tomorrow, alongside global cards and major wallets.

• Want one provider for online, POS, Tap to Pay, and receivables, with centralized reporting and dispute handling.

• Run subscriptions or invoice-driven B2B/B2C workflows that benefit from integrated SEPA Direct Debit and credit management.

• Prefer plugin-first integration for speed, but still want hosted fields and knowledge-base docs for deeper customization.

If you require extensive non-EU local methods, or highly bespoke marketplace split-payout logic, assess Buckaroo’s current method catalog and APIs against your roadmap to ensure coverage.