finby

finby: Payment Acceptance Overview for Merchants

finby is a European payments provider focused on helping online businesses accept and manage cross-border payments through card processing, local payment methods, and supporting tooling for recurring billing, tokenization, and risk operations.

Finby Payment Acceptance Overview

finby’s merchant offering centers on online payment acceptance with multiple integration models, support for both card and alternative payment methods, and operational tooling to manage transactions, users, and reporting across different projects and markets. The platform is positioned for merchants selling across European markets, where payment preferences vary by country and Strong Customer Authentication (SCA) and related card scheme controls are common requirements.

Payment Methods And Coverage

Card Payments And Currencies

finby supports card payments for Visa and Mastercard, and also references Carte Bancaires cardholders. It supports processing in 170 currencies and settlement in 14 currencies.

Settlement currencies listed include:

• EUR, GBP, USD, CAD, AUD, SEK, NOK, DKK, PLN, CZK, HUF, NZD, RON, CHF

Local Payment Methods By Market

finby maintains a catalog of local payment methods with regional and country filtering. Examples include:

• iDEAL (Netherlands)

• BLIK (Poland)

• eps (Austria)

• Bancontact (Belgium)

• MobilePay (Denmark, Finland)

• Express Überweisung (Germany, Austria)

• MyBank (pan-European bank payment method positioning)

• PayPal

• Multibanco (Portugal)

• MB WAY (Portugal)

• SEPA Bank Transfers (real-time euro payments positioning)

• SEPA Direct Debit (recurring use cases)

• Instant bank transfers (market-specific options)

• Satispay

• Aircash

• Trustly

• WeChat Pay

• Cartes Bancaires (France positioning)

• BNPL options such as Skip Pay, plus other market-specific installment products listed in the catalog

Because the catalog is structured by region and country, the practical set of methods available to a specific merchant will depend on the target markets and the method set enabled for that merchant’s configuration.

Checkout Experiences And Billing Flows

finby’s documented card transaction flows cover:

• One-off purchases (single-step sale)

• Pre-authorization and later capture

• Card-on-file registration and subsequent merchant-initiated charges

• Recurring billing, including an “initial” transaction that establishes the stored credential and subsequent recurring transactions

For merchants running subscriptions or other repeat billing models, finby positions tokenization and stored-credential flows as core building blocks. The platform also supports common billing patterns such as unscheduled merchant-initiated transactions (for ad-hoc charges based on prior customer agreement) and scheduled recurring cycles.

Integrations For Developers And Platforms

finby supports multiple integration approaches, designed to fit different checkout architectures and compliance preferences:

• Pop-up checkout (iframe or new tab) for a low-effort integration where payment entry happens inside the pop-up window.

• Embedded fields for placing card input fields directly within the merchant’s checkout UI.

• Wallet button integrations including Apple Pay, Google Pay, Click to Pay, and MobilePay, with effort and availability depending on the chosen model.

• eCommerce plugins for platform-based integrations (examples referenced include WooCommerce and OpenCart), where payment methods can vary by plugin.

For API-driven use cases, finby exposes live API endpoints (including REST endpoints under https://aapi.finby.eu/) and supports OAuth-based access tokens for authenticated calls. It also supports redirect flows (success, cancel, error URLs) and server-to-server notifications to a merchant-configured notification URL for payment status updates.

Security, Compliance, And Authentication

PCI DSS Compliance

A published PCI DSS Certificate of Compliance indicates Trust Pay, a.s. (the entity referenced in finby’s documents) was assessed by an official PCI QSA and found compliant with PCI DSS v4.0.1 as a Level 1 Service Provider, with an issuance date of 27 January 2025 and a renewal date of 26 January 2026.

3-D Secure And SCA-Oriented Flows

finby supports 3-D Secure (3DS) for online card-not-present transactions and describes both frictionless and challenge flows. For certain integrations, 3DS handling logic is managed by finby’s back end. It also references SCA exemptions (for example, low-value transactions, subsequent recurring or merchant-initiated transactions, and trusted beneficiaries), while noting that issuers make the final decision on whether 3DS is required.

Tokenization And Network Tokenization

finby supports tokenization for storing payment credentials and recurring billing. It also documents “network tokenization” (scheme tokenization) where finby acts as the token requester and manages network tokens in the back end. Network tokenization is described as applying primarily to card-on-file and recurring payments, with automatic enablement for specific integration types and fallback to PAN-based processing where tokenization is not available for a card or region.

Risk Management And Dispute Operations

finby positions “Fraud & Chargeback Protection” as part of its card payments offering, including a dedicated risk team and an RDR tool. It also publishes a merchant best practice guide focused on chargebacks, outlining practical operational steps to reduce and respond to disputes (for example, timely responses to information requests, clear cancellation and refund policies, and correct handling of recurring payment cancellations).

Merchant Portal, Reporting, And Controls

finby describes an “innovative Merchant Portal” used to manage projects in one interface, with transaction management organized by projects, countries, and payment methods. It also references:

• Customizable user access levels for teams

• Downloadable financial statements in multiple formats

• Centralized management designed for multi-market setups

These portal capabilities align with merchants operating multiple storefronts, brands, or regional payment configurations under a single organizational umbrella.

Business Accounts And Payout Operations

finby also offers business accounts positioned as an alternative banking solution for online businesses. Key capabilities include:

• Availability in EUR, GBP, USD, CAD, CHF

• Real-time payments in EUR via SEPA Instant

• Fast access to payouts

• Transaction analytics and reporting

• Multi-level transaction approval and user permission management

• API management for accounts, plus internet banking and “API banking” options

• Payment order templates for repeated operational payments

For merchants that want tighter coupling between payment acceptance and treasury operations, this can support streamlined payout and cash-management workflows.

Conclusion

finby provides a merchant-focused payment acceptance stack oriented toward European cross-border commerce: card processing (Visa, Mastercard, and referenced Carte Bancaires support), a broad catalog of local payment methods including SEPA transfer and direct debit options, and multiple integration models spanning pop-up checkouts, embedded fields, wallet buttons, and eCommerce plugins. The platform emphasizes recurring billing readiness through tokenization and stored-credential flows, includes 3DS support and network tokenization documentation, and publishes evidence of PCI DSS v4.0.1 compliance. Operationally, it pairs payment acceptance with a Merchant Portal for multi-project management and reporting, plus optional business accounts with SEPA Instant support and role-based controls.