Oropay

Oropay: What Merchants Need To Know

Oropay is an electronic money institution that provides online payment processing, business accounts, and Visa cards for companies that sell across borders. Merchants can accept card payments, offer alternative payment methods, generate payment links, and manage funds through SEPA and SWIFT from a single provider. Oropay states that its payment gateway is PCI DSS Level 1 and supports 3D Secure for cardholder authentication.

Key Takeaways

• Payment acceptance across major cards, plus alternative payment methods and payment links.

• Compliance as a licensed electronic money institution under the Central Bank of Cyprus.

• Security with PCI DSS Level 1 and 3D Secure.

• Integrations via plugins for popular ecommerce platforms and an SDK for mobile apps.

• Published fees for legal entities cover accounts, payments via SEPA and SWIFT, and Visa business cards. Card acquiring rates are provided on request.

What Is Oropay

Oropay is the brand name of Oro Pay Ltd, which provides e-money accounts and payment services for individuals and businesses. For merchants, Oropay offers an online payment gateway designed to accept payments globally and provide a unified way to manage online transactions, accounts, and cards.

Licensing And Compliance

• Regulatory status. Oro Pay Ltd is authorized as an Electronic Money Institution with license number 115.1.3.23/2018 and is supervised by the Central Bank of Cyprus.

• Safeguarding. As an EMI, Oropay segregates client funds in line with EU directives. Account balances are not deposits or investments and are not covered by a deposit guarantee or investor compensation scheme.

• Security. Oropay states its payment gateway is PCI DSS Level 1 and supports 3D Secure to help reduce fraud and chargeback risk.

These elements establish Oropay’s compliance foundation and the protections and limitations merchants should expect from an EMI model.

Payment Acceptance And Methods

Cards

• Acceptance of major card brands for ecommerce.

• 3D Secure is supported for step-up authentication on participating card schemes.

Alternative Payment Methods

• Support for local and alternative methods to improve checkout conversion in different markets.

Currencies

• Oropay indicates acceptance in any currency using major card brands. For payouts and transfers, accounts support SEPA in EUR and SWIFT in multiple currencies.

Payment Links And Recurring Billing

• Payment link generation enables merchants to collect one-time payments via email, SMS, invoices, and other channels.

• Recurring payments are available for automated billing scenarios.

ntegrations And Developer Options

Ecommerce Plugins

Oropay provides ready-to-use plugins for leading platforms so merchants can integrate without custom development:

• WooCommerce

• OpenCart

• Magento

• PrestaShop

Web And Mobile

• Hosted web payment page optimized for desktop and mobile browsers.

• Mobile SDK to embed payments into iOS and Android apps with the features of the hosted page.

API Access

• Oropay exposes API endpoints and provides documentation for consent and authorization flows. This gives larger merchants or platforms control over onboarding and payments while using Oropay as the processor and account provider.

Merchant Dashboard And Reporting

Oropay’s business interface emphasizes in-depth analytics and visibility over transaction flows. Merchants can monitor performance, track settlements, and review chargebacks or disputes from a single place.

Business Accounts, SEPA, SWIFT, And Cards

For legal entities, Oropay combines acquiring with multi-rail money movement:

• Accounts and transfers

  • SEPA for EUR incoming and outgoing payments.

  • SWIFT for cross-border payments in a published list of supported currencies.

• Visa business cards

  • Plastic Visa Business Debit for point-of-sale and ATM usage.

  • Virtual Visa Business for online spend.

  • Card-related services include monthly fees, cash withdrawal fees, and currency conversion fees defined in the legal-entity fee schedule.

This mix enables merchants to accept payments and then use funds operationally through transfers or corporate card spend.

Security And Risk Controls

• PCI DSS Level 1 payment gateway.

• 3D Secure for cardholder authentication.

• Fraud prevention guidelines and standard operational safeguards as part of the legal-documents suite.

• Safeguarding procedures for customer funds in compliance with EU regulations.

These measures align with industry expectations for regulated EMIs offering card-not-present processing.

Industries And Use Cases

Oropay’s contact and onboarding flows show coverage across diverse sectors including retail, travel and hospitality, professional services, education, logistics, and more. The presence of categories like gambling, crypto, and forex in web forms indicates conversations with higher-risk verticals; qualification remains subject to underwriting and compliance checks.

Common use cases include:

• Ecommerce checkout with major cards and selected local methods.

• Invoicing and pay-by-link for remote payments without cart integration.

• Subscription billing using recurring payments.

• App payments via the mobile SDK.

• Operational spend on Visa business cards after settlements arrive in the Oropay account.

Strengths

• Single provider for accepting payments, holding funds, moving money via SEPA and SWIFT, and issuing business cards.

• Compliance clarity with published EMI license and safeguarding approach.

• Integration flexibility through plugins, hosted pages, and SDK.

• Security posture with PCI DSS Level 1 and 3D Secure.

Who Should Consider Oropay

Oropay is a fit for EU and cross-border merchants that value a combined stack: regulated accounts, card acceptance, alternative methods, and operational tools like payment links and business cards. Merchants seeking a single partner for accept-payments-hold-spend workflows, with PCI Level 1 assurances and standard EU safeguarding, will find Oropay’s model aligned with these needs.

Conclusion

Oropay pairs a PCI Level 1 ecommerce gateway with regulated e-money accounts, SEPA and SWIFT transfers, and Visa business cards. With multiple integration options and EU EMI oversight, Oropay offers a consolidated approach for merchants that want to accept payments and manage funds within one ecosystem.