GoPay

GoPay Payment Gateway: A Practical Overview For Merchants

GoPay is a Central European payment gateway that consolidates cards, wallets, online bank transfers, and other local options under one contract and one integration. The platform advertises 50+ payment methods, 8 settlement currencies, and 19 checkout languages, making it relevant for merchants selling in Czechia, Slovakia, Poland, and across Europe. GoPay offers inline, redirect, and mobile checkout variants, plus features such as recurring billing, pre-authorizations, refunds, payment links, and card tokenization. The company states it is PCI DSS Level 1 compliant and supports 3D Secure 2.0.

Key Payment Methods And Geographic Coverage

Cards And Wallets

• Visa, Mastercard, Maestro supported.

• Apple Pay and Google Pay are available through the same card rails.

• Cards are listed as available for “Europe, worldwide” and support refunds, partial refunds, recurring payments, pre-authorization, 3DS 2.0, and card-on-file.

Online Bank Payments, QR, And Local Options

• Online bank transfers are available in Czechia, Slovakia, and Poland with prefilled payment orders and online confirmations.

• QR payments are listed on the pricing page among billable methods.

• GoPay also exposes PayPal within the unified gateway.

• The public payment-methods page indicates Bitcoin is included among methods offered via the gateway.

Currencies And Languages

• GoPay documents 8 supported currencies for acceptance and settlement: CZK, EUR, USD, GBP, PLN, HUF, RON, and BGN.

• The site also lists 19 languages for the checkout interface to localize the customer experience.

Pricing Overview You Can Verify

GoPay publishes two complementary pricing views:

1. English pricing tiers in EUR

   • Card fee examples by merchant size:

     • Small merchant up to 600 EUR per month: 1.7% + 0.12 EUR

     • Medium merchant up to 2,000 EUR per month: 1.2% + 0.6 EUR

     • Large merchant over 2,000 EUR per month: 1.2% + 0.6 EUR

   • Bank transfer fee examples:

     • 1.7% + 0.12 EUR, then 1.2% + 0.06 EUR, then 1.0% + 0.04 EUR across tiers

   • Monthly operating costs: 8 EUR for small and medium, free for large

   • Activation, termination: free

   • Operational line items shown include invoicing and transfer to bank account, payment cancellations, chargebacks, card updates, and an optional fee for card payment without 3DS.

2. Czech pricing page in CZK with local promos

   • States 12 months of card payments free for merchants that previously did not accept cards, up to 50,000 CZK per month, followed by published per-method rates.

   • As of the page text, the “12 months free” offer shows an extension date and lists detailed unit fees for card, bank transfer, QR, deferred payment, and pay-in-three.

   • The public “List of fees for the payment gateway in effect as of 25 August 2024” clarifies the monthly fee policy: 190 CZK only if monthly online volume does not reach 50,000 CZK. Activation, maintenance, and cancellation are free.

Integration Options And Developer Resources

• Integration variants: Inline modal, Redirect checkout page, and Mobile-optimized checkout automatically adjusts for phones.

• APIs and docs: Public REST documentation and examples, with a sandbox noted to have limitations for simulating some wallet methods like Apple Pay.

• SDKs: GitHub repositories for PHP, .NET, Java, and Python.

• E-commerce plugins: Ready modules for WooCommerce, Shopify, OpenCart, PrestaShop, and Shoptet.

• Integration process: Start integrating even before signing, test in sandbox, GoPay reviews integration correctness, then production go-live.

Checkout And Payment Features

• Recurring payments: Automatic charges with required customer disclosures about card data storage at GoPay.

• Pre-authorization: Place a hold and reserve funds for up to 4 days.

• Refunds: Full and partial refunds available.

• Payment links: Push payments via shareable links.

• Charge descriptor: Customize what customers see on their bank statements.

• Card-on-file and account updater: Tokenized “merchant card on file” with card-update automation for expirations.

• Preferred methods and retries: Show selected methods first and allow payment retry within the same session.

• Risk and uptime: GoPay cites website monitoring for rules compliance and a multi-acquiring approach to improve authorization continuity.

Security, Compliance, And Licensing

• PCI DSS Level 1: GoPay says it is certified at PCI DSS Level 1. Help-center articles instruct merchants to inform customers that recurring payments and stored cards are handled under PCI DSS Level 1.

• 3D Secure 2.0: Supported for card authentication, with documented “advanced 3DS options” that allow selective friction reductions where network rules permit.

• Encryption and data handling: Traffic secured with SSL/TLS and cardholder data processed on GoPay’s side rather than the merchant, particularly with the inline flow.

• Regulatory status: GoPay highlights its CNB authorizations and PSD2 services.

Settlement, Currencies, And Reconciliation

• Settlement cadence: GoPay states you can settle monthly, weekly, or daily.

• Currencies: Accept and settle in CZK, EUR, USD, GBP, PLN, HUF, RON, BGN. The benefits page reiterates “8 currencies supported” for acceptance and settlement.

• Accounting: Bank statements available in selectable formats to simplify bookkeeping.

• GoPay business account: Operates as the merchant’s ledger for payouts, refunds, and transfers.

Merchant Experience And Support

• Time to first payment: The site describes a four-step process (registration, contract, integration, go-live) and suggests merchants can start accepting payments within a week.

• Knowledge base: Public documentation for integration, features, fees, security, and market-specific method tables.

• Support channels: Contact email and phone published on the site, plus a status page for system availability.

Where GoPay Fits Best

• SMBs and growth-stage e-commerce in Czechia, Slovakia, Poland, and broader Europe that need cards, Apple Pay, Google Pay, and local bank transfers in one contract.

• Subscription and membership models benefiting from recurring billing, tokenization, and account updater.

• Merchants selling in the 8 documented currencies who prefer settlement without FX conversion to matching bank accounts.

• Teams that want lightweight integration via plugins or straightforward REST APIs, and optional inline checkout to keep customers on-site.