MultiSafepay

MultiSafepay: A Practical Overview For Merchants

MultiSafepay is a European omnichannel payment service provider designed for merchants that want to accept payments online and in-person through a single platform. It combines a checkout toolset for ecommerce, point-of-sale (POS) options for physical locations, and developer building blocks for custom integrations. For merchants, the key evaluation points typically come down to coverage (payment methods and markets), checkout flexibility, risk controls, settlement timing, integrations, and the commercial model.

This overview explains how MultiSafepay’s merchant offering is structured and what you can expect when deploying it across channels.

MultiSafepay Overview For Merchants

MultiSafepay positions itself around unified payments for small and medium-sized businesses, with support for both online and in-person acceptance. The product suite is organized around:

• Online payments for web checkouts, with a mix of local and international payment methods.

• In-person payments via SmartPOS and traditional terminal protocols in supported countries.

• Omnichannel operations to connect online and physical payment activity under a single operational view.

• Platform use cases where payments may need to support partner flows such as split payments.

MultiSafepay operates under Dutch regulation as a licensed payment institution and supports merchants across the European Economic Area (EEA) via passporting rights.

Payment Acceptance Channels And Checkout Options

Online Checkout Options

MultiSafepay supports multiple implementation approaches so merchants can tune checkout control versus implementation effort:

• Hosted payment pages for a redirect-style flow that can be activated and styled.

• Embedded payment components that place payment fields directly into a merchant checkout while encrypting payment details and supporting recurring payments.

• Express checkout buttons for popular digital wallets and fast checkout experiences.

• Payment links to request payment outside a standard checkout (for example, manual orders or adjustments).

• QR payments that can be generated via payment links, custom integrations, or in-method flows.

In-Person Payments

For physical locations, MultiSafepay offers POS solutions and supports in-person payments through various terminals. SmartPOS coverage is country-specific, and MultiSafepay also references support for the C-TAP protocol commonly used in the Benelux region.

Supported Payment Methods And What That Means In Practice

MultiSafepay describes a broad payment-method mix spanning categories such as:

• Credit and debit cards, with support for security controls including 3D Secure 2.0.

• Banking methods and bank-transfer related flows, including features designed to improve bank transfer and direct debit experiences (for example, virtual IBANs).

• Buy now, pay later (BNPL) options, including MultiSafepay’s Pay After Delivery capabilities.

• Wallets and express checkouts, including Apple Pay, Google Pay, PayPal, Amazon Pay, iDEAL, and Klarna through its express checkout positioning.

For merchants, the practical implication is the ability to tailor a checkout to local preferences while still operating a unified reporting and operational framework.

Recurring Payments, Tokenization, And Subscription Scenarios

MultiSafepay supports recurring payments using tokenization. The recurring model is designed to store payment details as a secure token so repeat payments can be initiated without the merchant handling sensitive card data directly. This can be applied to common use cases such as:

• Subscriptions and membership billing

• Repeat purchases with saved payment credentials

• Card verification workflows that support future billing

For merchants that ship goods, MultiSafepay also supports operational flows that can reduce disputes and align capture with fulfillment, such as manual capture and partial capture.

Risk, Authentication, And Operational Controls

3D Secure 2.0 And SCA Considerations

MultiSafepay provides documentation for 3D Secure 2.0 and discusses exemptions in the context of optimizing conversion while managing risk. In practical terms, merchants should treat exemption usage as a risk decision that can shift fraud liability and chargeback exposure depending on the scenario.

Fraud Controls And Payment Handling Features

MultiSafepay describes multiple features that align with typical merchant risk and operations needs:

• Automated fraud filtering for card payments, including flows where payments can be captured or declined depending on risk signals.

• Manual capture, allowing capture at shipment time, including partial capture.

• Zero authorization, designed to verify a card without charging the cardholder, and to support token-based follow-on billing.

• Chargeback visibility and handling within merchant operations tooling.

• Second Chance reminders, which can email customers a payment link when a transaction is initiated but not completed.

For platforms or partner scenarios, MultiSafepay also supports split payments, which can distribute an incoming transaction amount across multiple accounts.

Compliance And Security Posture

MultiSafepay highlights several merchant-relevant compliance and regulatory elements:

• PCI DSS certification for its payment environment.

• PSD2 alignment in the context of European payments and strong customer authentication dynamics.

• GDPR measures described as part of its data protection approach, including encryption, anonymization where possible, and the presence of a data protection officer.

• Payment institution licensing by De Nederlandsche Bank (DNB), with EEA passporting rights.

From a merchant due diligence perspective, these points typically map to vendor risk assessment, checkout architecture choices (hosted versus embedded), and how PCI scope is managed for the merchant’s own environment.

Developer Experience And Integrations

API And Webhooks

MultiSafepay provides an API that supports both direct requests (connecting directly to a payment method) and redirect requests (sending the customer to a payment page). It also supports webhooks to notify a merchant’s server about order updates and other events, enabling real-time state synchronization.

SDKs, Wrappers, And Ecommerce Plugins

For faster deployment, MultiSafepay offers ready-made integrations and plugins for a broad set of ecommerce platforms, including Magento 2, WooCommerce, Shopware, Lightspeed, PrestaShop, Shopify apps, OpenCart, and others.

For custom builds, it also lists wrappers and SDK options, including Go, Java, .NET, Node.js, and a PHP SDK (with a Laravel wrapper referenced).

Reporting, Reconciliation, And Payout Timing

MultiSafepay provides a merchant dashboard positioned as a central place to review transactions, export data, manage refunds (including partial refunds), and review chargeback status. On the finance side, it provides reporting exports in formats including CAMT053, CODA, CSV, MT940, XLS, and XLSX, and supports reconciliation via API using transaction endpoints.

For settlement timing, payout processing details are documented with default delays that vary by merchant country. MultiSafepay also notes that payout batches are not processed on weekends and that bank processing capabilities can affect when funds arrive.

Pricing Model And Commercial Structure

MultiSafepay’s pricing positioning emphasizes a transaction-based commercial model where merchants pay for successful transactions, with no startup or monthly costs described at a headline level. For card payments specifically, MultiSafepay documents pricing models including:

• Blended pricing, using a fixed percentage approach designed for predictability.

• Interchange++ pricing, breaking down costs with a pre-charge and end-of-month reconciliation for transparency.

In practice, merchants should expect transaction pricing to be tailored to business profile, payment mix, and operational requirements, with card pricing model selection influencing predictability versus transparency.

Conclusion

MultiSafepay is structured as an omnichannel payments platform for European merchants that want to consolidate online and in-person acceptance while retaining flexibility in checkout implementation. Its toolkit covers hosted and embedded checkout patterns, payment links and QR payments, tokenization for recurring billing, and operational features such as manual capture, fraud filtering, and abandoned payment reminders. For many merchants, the decision will hinge on EEA market fit, required payment methods, desired checkout control, settlement expectations by country, and the preferred integration path, either via plugins or direct API implementation.