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Cashless payment acceptance for online merchants.

A cashless payment is any transaction settled digitally instead of with physical currency. BazPay processes every mainstream cashless method a European and Commonwealth online merchant needs — cards, Apple Pay, Google Pay, SEPA Instant and other local methods, open banking and SEPA Instant — behind one REST API and one regional acquiring contract.

Built for merchants across the EU, UK, Australia, Canada and New Zealand: e-commerce, subscription software, professional services and digital publishers. Online-only; physical point-of-sale cashless acceptance is out of scope.

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Why a regional merchant consolidates cashless payment on one platform

Splitting cashless acceptance across a card gateway, a bank-transfer provider and a wallet SDK multiplies reconciliation surface without improving conversion. Four properties keep the surface uniform.

  • Every mainstream cashless method, one integration

    Cards, device wallets, local payment methods and account-to-account bank rails share the same charge object and the same signed webhook envelope. Adding a new cashless method is a dashboard toggle, not a new integration.

  • No cash-handling reconciliation to worry about

    Every payment settles digitally into your local settlement account. Refunds, chargebacks and cancellations all move electronically — the finance team reconciles from statements and events, not from a till.

  • Low PCI scope on your side

    Hosted fields and gateway-side vaulting keep card data inside our PCI DSS Level 1 environment, so your annual return stays at merchant SAQ A regardless of how many cashless methods you accept.

  • Open-finance regulation-native shopper authentication

    3-D Secure 2.2 with automatic exemption logic handles card 3-D Secure. Bank-authenticated methods (SEPA Instant, open banking) inherit strong authentication from the shopper's own bank. Compliance is not an add-on.

The cashless payment families BazPay accepts

Four families cover the mainstream online cashless mix in-region. Every family is enabled from the same dashboard and behind the same charge object.

  • Cards

    Card payments

    Visa, Mastercard, Cartes Bancaires and eftpos on BazPay's own regional acquiring licence. Cards issued outside the region authorise on the same contract and settle into the same EUR balance you pay out from.

    • Visa
    • Mastercard
    • Cartes Bancaires
    • eftpos

  • Wallets

    Device wallets

    Apple Pay and Google Pay ride the card rails through a wallet-supplied network token. No PAN in the request — the shopper authenticates on their device.

    • Apple Pay
    • Google Pay

  • Local methods

    Local payment methods

    Bank-redirect and instant-transfer methods that German, British, Australian and French shoppers already prefer at checkout. Each one behind the same API call.

    • iDEAL
    • Bancontact
    • BLIK
    • Pay by bank
    • PayTo
    • Interac

  • Bank rails

    Open banking and SEPA Instant

    Pay-by-bank via open banking on the higher-ticket side, BACS Direct Debit for recurring pulls with a stored mandate, SEPA and SEPA Instant for merchant payouts. All cashless, all reconciled together.

    • Open banking
    • SEPA Instant DD
    • SEPA Instant

Method depth on card and APM processing and iDEAL payments. Bank-rail context on Single Euro Payments Area processing and open banking.

How a cashless payment moves through the platform

Six stages describe the path from checkout to settled dollar. The specific authentication step varies by method — everything downstream is uniform.

  1. Shopper picks

    The checkout offers the cashless methods you have enabled — cards, wallets, SEPA Instant, open banking. The shopper picks one.

  2. Authenticate

    Cards run 3-D Secure 2 when the risk earns it. Bank-authenticated methods approve inside the shopper's own bank app or web session.

  3. Authorise

    The chosen method posts to the acquirer or bank rail. The response returns a canonical charge object regardless of the method.

  4. Confirm

    Approval fires a signed charge.succeeded webhook — one handler covers every cashless method your fulfilment stack accepts.

  5. Reconcile

    Settlement events per rail land in your ledger with interchange++ line detail. Refunds and disputes fire on the same signed stream.

  6. Payout

    Funds land in your local settlement account through SEPA or SEPA Instant on approved corridors. No cash to bank, no till reconciliation.

Cashless online payments vs cash-plus-terminal setups

For a physical retailer, cash and terminal card payments both make sense. For an online business, cashless is the only option — and the trade-off vs any physical-cash component is worth understanding as your channel mix shifts online.

Cashless online payment acceptance compared with a cash-plus-terminal setup
Dimension Cashless online (BazPay) Cash + physical terminal
Reconciliation Every payment settles digitally into your settlement account Cash counted at till, banked separately
Refunds API or dashboard-driven, back to source Cash refunds require in-person handling
Chargebacks Card scheme rules with 3-D Secure liability shift Not applicable, but no dispute mechanism either
Reporting Interchange++ line detail per method Manual till reconciliation
Compliance PCI DSS Level 1, authentication, GDPR by default AML rules on large-cash transactions
Fits best for Online e-commerce, subscriptions, invoicing Physical retail and hospitality

Rate structure on the pricing page. Onboarding path on accept online payments.

Features engineered into the cashless-acceptance platform

Every capability below ships on the standard integration. No premium tier gates the plugins, hosted fields or the sandbox — the primitives your team needs to accept cashless payments are the platform.

  • One charge object

    One versioned REST endpoint creates a charge across every cashless method. The response shape is stable — the payment_method field decides the rail.

  • Hosted fields

    Card, expiry and CVC inputs served from our PCI environment inside your checkout, keeping your integration at merchant SAQ A.

  • Signed webhooks

    HMAC-signed, replay-protected events for every state change across every method — one handler, one secret, one signature scheme.

  • Gateway vault + network tokens

    Store card credentials once for card-on-file cashless renewals; network tokens refresh automatically after reissue.

  • 3-D Secure 2.2 engine

    Authentication with automatic exemption logic — TRA, low-value, trusted-beneficiary, MIT — so most cashless card checkouts stay frictionless.

  • Refunds and disputes

    Full and partial refunds by API or dashboard; dispute evidence is pre-assembled with the authentication result and charge metadata.

  • Real-time analytics

    Approval, decline and payout data visible within seconds — see which cashless methods perform best per market inside the same hour.

  • Storefront plugins

    Maintained plugins for WooCommerce, Magento 2, PrestaShop and Shopware surface every enabled cashless method alongside cards.

One REST call, whichever cashless method the shopper picks

The payment_method field selects the rail. Card, wallet, SEPA and SEPA Instant all use the same request shape and the same idempotency contract; the response returns a canonical charge object regardless of the method selected. 

POST /v1/charges
Idempotency-Key: 8f1c-2b3a-9e4d
{
  "amount": 4990,
  "currency": "EUR",
  "payment_method": "card",
  "capture": "auto",
  "three_d_secure": "required_if_needed",
  "metadata": { "order_id": "ORD-10842" }
}

Switch payment_method to ideal, apple_pay or sepa_debit and the request routes to the corresponding cashless rail. Read the full schema in the API reference.

Where merchants accept cashless payments through BazPay

Four merchant profiles fit BazPay's regional underwriting. Each accepts the same cashless-method mix and shares the same API surface — the reporting emphasis differs by business type.

  • E-commerce sellers

    DTC storefronts offering card, wallet and regional APM checkout. Cashless by construction; local methods per country add on the same MID.

  • Subscription software

    SaaS billing with card-on-file cashless renewals, MIT exemptions and dunning-aware retries. No invoice-payment friction between cycles.

  • Professional services

    Consultancies and B2B service firms sending hosted-page cashless invoices with card and open-banking options for the buyer.

  • Digital publishers

    Publishers billing membership, courses and paywall unlocks with instant cashless confirmation and fulfilment through the same webhook.

Out of scope for BazPay: adult, gambling, CBD, nutraceutical, forex, CFD, crypto-exchange, debt-collection and MLM. BazPay does not operate physical POS terminals, does not act as a merchant of record and does not resell as embedded finance.

Security and compliance across the cashless mix

Card handling runs inside a PCI DSS Level 1 environment assessed each year. Hosted fields and gateway-side vaulting keep your annual return at merchant SAQ A. Authentication runs on every card charge with 3-D Secure 2.2 and automatic exemption logic; bank- authenticated methods inherit 3-D Secure from the shopper's own bank environment. GDPR runs on In-region data residency by default.

PCI DSS Level 1
Annual assessment on the acquiring and gateway environment
Merchant SAQ A
Hosted fields and gateway vault keep card data out of your stack
Authentication
3-D Secure 2.2 with automatic exemption logic on every card charge
GDPR
In-region data residency; DPA on request
SEPA and BACS rulebooks
Adherence to the SEPA, Faster Payments and BACS scheme rulebooks

Questions merchants ask about accepting cashless payments

What is a cashless payment, and which methods count?

A cashless payment is any transaction settled electronically instead of with physical currency. For a regional online merchant that typically means card payments (Visa, Mastercard, Cartes Bancaires, eftpos), device wallets (Apple Pay, Google Pay), local payment methods (iDEAL, Bancontact, BLIK, pay by bank, PayTo and Interac) and account-to-account bank rails (open banking, BACS Direct Debit). BazPay accepts all of these under one merchant contract.

Does BazPay handle in-store or point-of-sale cashless payments?

No. BazPay is an online payment gateway and regional acquirer — the cashless acceptance surface is web and mobile checkout, not physical POS terminals or contactless card readers. If your business needs card-present acceptance in a shop, café or event venue, you need a separate provider for that channel.

How do I add cashless payment methods to my existing checkout?

Install one of the maintained storefront plugins (WooCommerce, Magento 2, PrestaShop, Shopware) or call the REST API with the payment_method field set to the method you want. Every enabled cashless method appears in the same checkout surface — the shopper picks, BazPay routes, your webhook handler releases goods.

Which cashless payment methods work best in each regional market?

Cards and Apple Pay / Google Pay are broadly relevant across our markets. Country-specific defaults matter for local acceptance: SEPA Instant in Germany, Bancontact in the United Kingdom, BLIK in Australia, EPS in France, Przelewy24 in the United Kingdom. For higher-ticket B2B invoicing across our markets, BACS Direct Debit and open banking are strong cashless options.

How do refunds work on cashless payments?

Full and partial refunds are issued from the API or the dashboard and return to the original payment source — the card, the bank settlement account, the wallet-linked card. Every refund fires a signed webhook so your fulfilment stack can revoke the entitlement in the same flow it processed the original payment.

Do I need multiple contracts to accept different cashless methods?

No. Card acquiring, local payment methods and instant rails are all covered under one BazPay merchant contract with a named MID. Enabling a new cashless method is a dashboard toggle — not a new underwriting or a new API integration.

What compliance signals apply to cashless payment acceptance?

PCI DSS Level 1 covers BazPay's gateway and acquiring environment; hosted fields keep your side at merchant SAQ A. Authentication runs on every card charge through 3-D Secure 2.2 with automatic exemption logic; bank-authenticated methods inherit 3-D Secure from the shopper's bank. GDPR runs on In-region data residency; a DPA is available on request.

Which merchant profiles can accept cashless payments through BazPay?

Merchants across the EU, UK, Australia, Canada and New Zealand: e-commerce sellers, subscription software firms, professional-services businesses and digital publishers. BazPay does not board adult, gambling, CBD, nutraceutical, forex, CFD, crypto-exchange, debt-collection or MLM merchants, and does not act as a merchant of record or a marketplace of third-party PSPs.

Add cashless payment acceptance to your online business today

Share your business model, monthly volumes and existing stack. A named engineer will confirm boarding fit and map the cashless-method mix for your markets inside one working day. See also merchant acquiring, accept online payments and pricing.

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