secupay

secupay Payment Gateway Overview for Merchants

Choosing a payment partner is a strategic decision that affects conversion, risk, and reconciliation. secupay is a BaFin-licensed payment institution in Germany that provides e-commerce, point of sale, and platform payment capabilities through plugins, hosted checkout, and API.

What secupay Offers

secupay provides a portfolio that covers online and in-store payments, payouts, and loyalty features. For e-commerce, merchants can integrate via ready-made plugins or the secuconnect API. For physical retail, secupay supplies card terminals and terminal apps. For platforms and marketplaces, it supports complex routing and role-based monitoring in its merchant portal.

Key points:

• Licensed payment institution supervised by BaFin under the German Payment Services Supervision Act (ZAG).

• Registration number 126737 with permissions that include acquiring, money remittance, and direct debit without granting credit.

• E-commerce plugins, hosted Smart Checkout, payment links, subscriptions, and recurring payments.

• POS terminals and unattended solutions with supporting terminal apps.

• Merchant portal secuOffice for unified reporting, reconciliation, and payouts.

Supported Payment Methods

secupay focuses on the most used methods in Germany and the EU while also enabling international wallets.

• Card payments: Visa and Mastercard. secupay acts as a payment facilitator and can conclude card acceptance agreements in its own name.

• SEPA Direct Debit: with options for scoring and an available payment guarantee.

• Purchase on Account: invoice purchase with links and QR codes for easy settlement.

• PayPal: offered via plugins and Smart Checkout.

• Prepayment: with SEPA QR code support and automated posting.

• Wallets: Apple Pay and Google Pay for online and POS.

• Additional options mentioned in secupay materials include Alipay and easyCredit installment purchase for specific use cases.

All methods are viewable and manageable in the merchant portal, and most can be settled using secupay’s collecting services. PayPal is handled separately for settlement.

Integration Options

Merchants can choose one of three integration paths depending on technical resources and desired control.

1. Shop Plugins: secupay maintains modules for popular platforms such as WooCommerce, Magento, Shopware, PrestaShop, OXID, xt:commerce, modified eCommerce, JTL, Gambio, and others. Plugins typically support one-click payments for cards and direct debit, secured invoice purchase, and features like voucher creation and cross-channel coupon acceptance.

2. Hosted Smart Checkout: A hosted payment page that secupay operates. It can be deployed on landing pages, social media, emails, QR codes, and even a shop window with NFC. Smart Checkout exposes the full method mix without custom checkout code, which reduces PCI scope and speeds launch.

3. API and SDK via secuconnect: For custom flows, the secuconnect API and SDKs enable server-side integrations. The Smart Transaction model covers create, authorize, capture, and callback steps. The API also ties into loyalty and voucher features for omnichannel use.

Merchant Portal and Reconciliation

secuOffice is the central operations hub:

• Real-time view of all transactions, customer, and card data across methods and channels.

• CSV export for accounting and ERP.

• Collecting services that bundle incoming payments from various methods into consolidated payouts to your business account, simplifying reconciliation.

• Creation and tracking of payment links directly in the portal.

• Access for marketplace participants with role-based rights.

Checkout Experiences

secupay supports several checkout patterns to improve conversion and operational efficiency.

• One-click payments in supported shop plugins using tokens.

• Payment Links generated via API or secuOffice for remote collection without a shopping cart. Links support established methods like card and PayPal and can be distributed as URLs or QR codes.

• Subscriptions and Recurring Payments with tokenized credentials for credit cards, SEPA Direct Debit, and PayPal. secupay’s subscription features handle setup fees, trial periods, retries, pausing, and reactivation.

Point of Sale and Unattended

For in-store acceptance, secupay provides:

• Card terminals from vendors such as Ingenico with models like Lane and Desk series.

• Terminal Apps that add advertising, loyalty, and other functions to the payment device.

• Unattended modules for vending, ticketing, parking, and EV charging scenarios.

• Guidance on evolving POS standards and compliance timelines.

Platform and Marketplace Payments

If you operate a marketplace or platform, secupay supports:

• Payment splitting and mixed cart processing.

• Role-based access in secuOffice so operators, sellers, and service teams see only what they need.

• Payout orchestration for crowd and marketplace flows, including fundings, repayments, and interest distribution in crowdinvesting scenarios.

Payouts and Cashback

secupay offers ZAG-compliant payout solutions:

• eTerminal for secure, verified payouts after data checks.

• Cashback and couponing payouts where a license is required for money transfer transactions. secupay uses escrow accounts protected against insolvency and provides a ready-to-use payout workflow for agencies and brands.

Compliance and Security

secupay addresses regulatory and security requirements across the payment lifecycle.

• BaFin License under ZAG: the imprint specifies the registration number and permissions for acquiring, remittance, and direct debit.

• PCI DSS, ISO 27001, and TISAX: secupay states it is certified against these standards, reflecting controls over card data and information security management.

• SCA and PSD2: card flows support exemptions such as Transaction Risk Analysis and Low-Value Payments to reduce friction when risk is low.

• KYC and AML: the secuIdent onboarding process compiles required details and documents and is reviewed by the KYC team before activation.

Where secupay Fits Best

Based on the product mix and documentation, secupay is a fit for:

• DACH-focused e-commerce that needs invoice purchase, SEPA Direct Debit, and cards in one integration.

• Omnichannel merchants who want unified reporting for online and POS with a single portal and collecting services.

• Platforms and crowd businesses requiring controlled payouts, role-based visibility, and regulated fund flows.

• Agencies and brands running cashback campaigns that must meet ZAG requirements for money transfers.