SimplePay

What Is SimplePay?

SimplePay is a Hungary-based payment service provider that offers online and in-person acceptance through a unified platform. Merchants can enable card payments, digital wallets such as Apple Pay and Google Pay, and Hungary’s instant transfer option branded as qvik. The service is operated by SimplePay Zrt.

Key Payment Methods Offered

SimplePay documents four primary online payment options that can be enabled individually or in combination:

• One-off card payments on a hosted page where the buyer enters card data.

• Simple account payments using a saved card through the Simple account login.

• Digital wallet payments with Apple Pay and Google Pay presented within the SimplePay interface.

• qvik instant transfer, a bank-to-bank payment option aligned with the domestic instant credit transfer scheme.

For in-person acceptance, SimplePay provides traditional POS terminals and a phone-based POS application. The phone-based option supports qvik on both Android and iOS devices, while the SoftPOS card-acceptance capability is available on Android.

Checkout Flow And Buyer Experience

SimplePay describes a payment pre-selection step in which a hosted page first presents available methods, after which the buyer is redirected to the relevant card or instant transfer screen. This pre-selection view may be skipped in specific cases, for example recurring transactions or card-on-file flows where the merchant has passed card storage or recurring parameters, or where the merchant explicitly sends an instant transfer transaction.

For card payments:

• Standard EMV 3-D Secure is supported in line with EU strong customer authentication requirements.

• If the card or context does not support 3-D Secure, the transaction continues without a challenge per issuer and scheme rules, as described in the provider’s terms.

For wallet payments:

• Apple Pay and Google Pay appear as selectable methods on the SimplePay payment interface. The purchase is treated as an online bank card transaction and subject to the card commission defined in the merchant’s specific contract.

For instant transfers:

• qvik is offered as an instant bank transfer method and may also be used in the phone-based POS application. SimplePay’s materials position qvik as a fast account-to-account alternative that complements cards and wallets.

Recurring Payments And Card-On-File

The provider’s merchant terms describe recurring bank card payments as part of card acceptance. Two modes are available:

• Single consent based: the customer consents during an initial registration transaction, after which the merchant can initiate scheduled debits.

• Occasional consent based: the customer confirms each subsequent payment, but without re-entering card data.

In addition to formal recurring flows, buyers with a Simple account can pay using saved cards without retyping details, which can reduce checkout friction for returning customers.

Integration Options And Developer Resources

API And Versions

SimplePay accepts new integrations on API v2. The developer page states that only API v2 has been onboarded for new registrations since 1 November 2022. Merchants integrating today should therefore plan on v2 endpoints and data structures.

Hosted Pages And Parameters

The platform provides a hosted payment interface and a payment pre-selection page. Merchants control behavior through request parameters, including options that affect whether the pre-selection page is shown, whether a transaction is flagged for recurring or card-storage use, and timeout values. Documentation notes that sending an instant-transfer transaction or certain recurring or card-storage parameters will route the buyer directly to the corresponding payment page.

Plugins, Partners, And Sandbox

SimplePay notes that a number of technical partners have completed integrations, which can simplify enablement for common webshop engines. A sandbox is available from the merchant portal. Access is provided after contracting, and test downloads are also available in the sandbox environment.

Security, Compliance, And Regulation

• PCI DSS: SimplePay’s privacy documentation states that it fulfils data security obligations by complying with PCI DSS, describing adherence to strict banking security rules for systems and data governance.

• Strong Customer Authentication: The provider’s terms reference 3-D Secure and the EU regulatory framework for SCA. The 3-D Secure service is supported through a technical platform in cooperation with issuers.

• Data Handling: SimplePay publishes detailed privacy notices for both consumers and merchant contacts, including information on access controls, testing practices, and physical security measures.

For merchants, these statements indicate a hosted acceptance model where sensitive card data is managed within SimplePay’s controlled environment, reducing PCI scope compared with direct card data collection.

In-Person Acceptance: POS And Phone-Based POS

SimplePay provides:

• POS terminals with published fee components for card acceptance in the domestic market.

• Phone-based POS that enables acceptance on NFC-capable devices. The qvik functions are available on Android and iOS, while SoftPOS card acceptance is on Android.

These options allow businesses to consolidate online and in-person acceptance with a single provider if needed.

Operations And Merchant Support

SimplePay’s site highlights several operational aspects useful in evaluation:

• No loyalty period is advertised in public web materials, indicating no fixed-term commitment.

• Bank independence is mentioned, with payouts available to merchant accounts at any domestic bank.

• Support includes 24-7 IT and business customer service, as stated on the merchant pages.

• Scale: SimplePay’s about page describes more than 3.5 million registered users in the Simple ecosystem.

While these points are marketing-level statements, they set expectations for commitments, payout flexibility, and service coverage. Merchants should rely on signed contracts for definitive operational terms.

Refunds, Disputes, And Adjustments

SimplePay’s materials include references to full and partial refunds. One published partner program page for a widely used webshop platform lists “full and partial refund” as a capability. For disputes and chargebacks, details are handled in the specific merchant agreement and the general terms. As with most acquirers and gateways, chargeback handling will follow card-scheme rules and the merchant’s contract.

Conclusion

SimplePay fits merchants that:

• Sell to Hungarian consumers and want to offer local instant transfer alongside cards and major wallets.

• Prefer a hosted checkout with 3-D Secure and stored-card or recurring options.

• Use common webshop platforms and want a prebuilt connector through a SimplePay partner.

• May also need in-person acceptance through POS terminals or a phone-based POS application, consolidating providers.

Merchants operating cross-border or requiring specific currency, settlement, or alternative payment method configurations should validate those requirements directly with SimplePay, since such details are not comprehensively listed on public pages.