ThePay

ThePay: Overview For Merchants

ThePay is an online payments platform and payment gateway that enables merchants to accept a range of payment methods through a single integration, view transaction activity, and manage operational tasks in one place. It offers card payments, online bank payments, digital wallets, and QR code options, with a focus on quick integration and adaptive pricing.

Key Payment Methods And Channels

ThePay aggregates popular methods into one checkout flow:

• Cards: Visa, Mastercard, Maestro, and Visa Electron.

• Digital wallets: Apple Pay and Google Pay.

• Bank-initiated payments: “bank buttons” and online bank transfers through major Czech and selected regional banks.

• QR code payments and Bitcoin.

For many merchants in the EU, card transactions are authenticated using 3D Secure 2.0 as required by acquirers and aligned with SCA frameworks. ThePay’s card flow supports issuer-driven 3DS challenges and uses acquirer risk tools, with additional monitoring on ThePay’s side.

Where ThePay Operates, Currencies And Languages

ThePay states that you can accept payments from abroad and maintain accounts in CZK, EUR, USD, GBP, HUF, PLN, and RON. The UI supports 25+ languages to localize the checkout experience. These attributes help cross-border Czech and CEE merchants localize conversion while settling to supported account currencies.

Pricing And Commercial Model

ThePay uses a volume-tiered pricing model that adjusts automatically based on your prior month’s turnover:

• Up to CZK 250,000 per month: 0.99% + CZK 0, monthly gateway fee CZK 139

• CZK 250,000–1,000,000 per month: 0.89% + CZK 0, monthly fee CZK 0

• Above CZK 1,000,000 per month: 0.79% + CZK 0, monthly fee CZK 0

Integration Options And Developer Tooling

You can integrate ThePay through:

• HTTP and Web Service APIs plus a PHP deployment package for custom builds.

• Official PHP SDK hosted on GitHub.

• Prebuilt modules via the Platiti payment plug-in for common open-source platforms such as WooCommerce, PrestaShop, Magento 1 and 2, OpenCart, VirtueMart, Drupal Commerce, HikaShop, WP eCommerce, and Zencart/osCommerce.

• Hosted integrations for Czech and regional ecommerce builders like Shoptet, Webareal, and Upgates.

The admin includes an Integration tab where merchants configure credentials such as project ID, merchant ID, password, and API IP allowlisting. Passwords must be generated and securely stored since they are shown only once.

Recurring And Pre-Authorised Payments

ThePay supports recurring payments for subscriptions or installment-type use cases. The workflow requires customer consent, an initial 3D Secure-verified card transaction to activate recurrence, and ongoing customer notifications aligned with best practices.

For risk-managed capture scenarios, pre-authorisation places a temporary hold on the customer’s card that can be captured partially or in full or released later. The configuration guidance clarifies use cases such as hospitality where incidentals may apply.

Settlement, Payouts, And Refunds

Merchants can configure automatic payouts from ThePay balance to their bank account(s) with flexible frequency options: daily, weekly, bi-weekly, or monthly. A minimum payout threshold can be set.

Refund operations are accessible in the Payments section. Card refunds are processed by the acquirer and may take several days to reach the cardholder. Non-card refunds are sent via bank transfer and depend on bank processing times. Partial refunds are supported.

Risk, Compliance, And Supervision

ThePay publishes security and compliance materials indicating:

• 3D Secure 2.0 for cardholder authentication and acquirer risk controls, plus ThePay’s internal monitoring.

• Systems security measures, including policies to prevent data loss and hosting in a TIER IV data center for high availability.

• AML rules aligned with Czech AML/CFT legislation and internal procedures.

• Regulation and prudential supervision by the Czech National Bank, as an electronic money institution under the Czech Payments Act.

• Contractual references to PCI DSS obligations for card data protection that the provider follows and requires of merchants, with potential SAQ/AOC requests.

These controls align with typical EU payment gateway expectations for SCA, AML, and e-money safeguarding. ThePay also outlines prohibited and high-risk categories, with potential surcharges for high-risk segments. Merchants in sensitive verticals should review these policies during onboarding.

Merchant Console And Operations

Within ThePay, merchants can:

• Search and filter transactions, inspect payment histories, and view statuses including paid, pending, pre-authorised, refund, and partial refund.

• Issue full or partial refunds directly from the transaction view.

• Manage authorised users, email notifications, contracts, and credentials from the admin area.

Onboarding, Testing, And Getting Started

Merchants can register online and complete contracting digitally. A demo environment allows a symbolic test payment to experience the checkout as a customer, and a guided For newcomers section explains sign-up, pre-launch steps, and integration choices.

Who ThePay May Fit

• Czech and CEE merchants wanting local bank buttons plus cards and wallets in one integration.

• Subscription or membership models that need recurring card billing with SCA-compliant activation.

• Merchants on Shoptet, Webareal, Upgates, or open-source CMS who prefer prebuilt modules and straightforward administration.