Payment gateway for small business — plugin install, direct acquiring, no middle layer.
BazPay is a payment gateway for small business merchants in the EU, UK, Australia, Canada and New Zealand. Install a maintained storefront plugin, generate a hosted checkout link or run manual charges from the dashboard — no engineering team required. Direct regional acquiring under the hood, so your merchant identifier is named to you and settlement lands in your own local settlement account.
Built for small DTC brands, freelancers, consultancies, course creators and small subscription businesses across our markets. Sandbox on day one, live keys once underwriting clears, interchange++ pricing published in the open.
Why a small business picks a direct regional acquirer over an aggregator
Aggregators are easy to sign up for and expensive to grow on. A direct regional acquirer takes a few days at boarding and pays back on every metric that starts to matter as volume grows — reporting, payouts, chargeback attribution and cost predictability.
-
Install a plugin, start taking payments
Storefront plugins for WooCommerce, Magento 2, PrestaShop and Shopware install in minutes. No custom development, no engineering team required — enter your keys, save, place a test order.
-
Direct regional acquirer, not an aggregator
Small businesses that grow on an aggregator eventually hit shared-MID chargeback ratios and delayed payouts. Starting on a direct regional acquirer means your MID is named to you and settlement lands in your own local settlement account from day one.
-
Transparent interchange++ pricing
Interchange (paid to the shopper's issuer), scheme fees and the BazPay margin appear as separate lines on every settled transaction. No headline "blended" rate hiding the cost split — the small-business finance side stays legible.
-
Support that answers in plain language
Named onboarding manager, email support and a shared channel. Escalation paths documented on day one. Small businesses do not have time for a ticket queue behind a chat widget.
Four ways a small business can start accepting payments
Pick the surface that matches how you sell today. Nothing about the acquiring relationship changes when you graduate from a plugin to a hosted page to a custom integration.
-
Plugins
Storefront plugins for the four regional stacks
Maintained plugins install into the storefront's own admin. Cards, wallets and enabled local APMs render inside the storefront's checkout; refunds and captures are one-click operations on the order screen.
- WooCommerce
- Magento 2
- PrestaShop
- Shopware 6
-
Hosted page
Hosted checkout link
A one-off invoice, a service booking, a course sale — send a hosted checkout link by email or SMS. No storefront required; the shopper pays on a BazPay-hosted page and the small business receives a webhook plus the settled funds.
- Invoice link
- Booking payment
-
Dashboard
Dashboard-only operations
A small business without a technical operator runs day-to-day from the dashboard: manual charge creation, refunds, dispute review, payout schedule and role-scoped user access.
- Manual charge
- Refund
- Payout schedule
-
API
Custom REST when you outgrow the plugin
When you eventually need a bespoke checkout or a headless storefront, the same REST API sits underneath the plugins. Nothing about the acquiring relationship changes when you migrate to a custom integration.
- Versioned API
- Signed webhooks
- Idempotent
Getting-started walkthrough on accept online payments. Storefront-specific plugin list on integrations. The wider ecommerce framing on payment gateway for ecommerce.
From signup to first accepted payment
Six stages describe the path a small business walks from opening an account to receiving the first settled dollar. Sandbox and plugin install happen in parallel with underwriting.
-
Sign up
Open an account on the marketing site. Sandbox keys and dashboard access issued the same minute — no demo-call gate.
-
Install
Add the BazPay plugin to your storefront, drop the API keys into the settings and save. Or generate a hosted checkout link from the dashboard.
-
Test
Place a sandbox order. The sandbox replays production-shaped decline codes and 3-D Secure 2 flows so tests match live behaviour.
-
Submit KYC
Upload company documents, beneficial-ownership evidence and a short business summary. Regional businesses typically clear underwriting in days.
-
Go live
Live keys enabled. Real-time analytics show approval quality from the first hour and payouts start settling to your local settlement account.
-
Operate
Refunds, captures and rule tweaks run from the dashboard. A shared channel with the onboarding team is monitored during the cutover window.
Direct regional acquirer vs aggregator, side by side
Where small businesses tend to feel the difference between the two models. Aggregator speed is real; so is the cost that shows up when volume grows.
| Dimension | BazPay (direct acquirer) | Aggregator |
|---|---|---|
| Contract | Direct with BazPay as regional acquirer | Aggregator on shared MID |
| MID | Named to your legal entity | Shared across the aggregator's pool |
| Chargeback attribution | Attributed to your MID | Diluted across the pool; ratio risk from others |
| Pricing transparency | Interchange++ line detail per transaction | Blended headline rate |
| Payouts | To your own local settlement account, per scheme cycle | Aggregated payouts on delay |
| Fee surprises at volume | Costs stay predictable as you grow | Volume tier changes without warning |
| Underwriting | Merchants across the EU, UK, Australia, Canada and New Zealand, direct review | Broad, more account holds |
Rate structure on the pricing page. Acquiring detail on merchant acquiring. Packaged options on payments solutions.
Features on the standard small-business integration
Every capability below ships on the standard integration and inside the storefront plugins. No premium tier gates the sandbox, hosted checkout links or the interchange++ reporting.
-
Storefront plugins
WooCommerce, Magento 2, PrestaShop and Shopware plugins ship maintained. Install-and-go, no custom code.
-
Hosted checkout link
One-off payment links for invoicing or service bookings, generated from the dashboard — no site needed to accept a payment.
-
Cards, wallets, local APMs
Card acceptance plus Apple Pay, Google Pay and local payment methods (iDEAL, Bancontact, BLIK, pay by bank, PayTo) on one contract.
-
3-D Secure 2.2 + exemptions
Authentication runs only when the risk earns it. Most checkouts stay frictionless; risky ones step up to the issuer challenge.
-
Refunds + disputes
Full or partial refunds from the storefront admin or the BazPay dashboard. Dispute evidence pre-assembled for one-click submission.
-
Instant payouts to your settlement account
Settled funds land in your business settlement account per scheme cycle. SEPA Instant is used for payouts on approved corridors.
-
Real-time analytics
Approval, decline, refund and payout data visible within seconds. Filter by method or period without exporting to a spreadsheet.
-
Interchange++ reporting
Every settled transaction breaks out interchange, scheme fees and gateway margin — no blended-rate summary to un-pick at year end.
One REST endpoint when you outgrow the plugin
Small businesses usually start on a plugin or a hosted checkout link. When you eventually need a custom checkout or a headless integration, the same REST API sits underneath. The acquiring relationship and reporting do not change; only the integration surface does.
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" }
}The response returns a canonical charge object; every state change fires a signed webhook to your endpoint. Full schema in the API reference.
Small-business profiles already running on BazPay
Four small-business types fit BazPay's regional underwriting. Each uses the same charge object and the same signed webhook.
-
DTC brands and small storefronts
Small storefronts running WooCommerce, PrestaShop or Shopware. Plugin install, sandbox test, live in days — no engineering team required.
-
Professional services and freelancers
Consultancies, agencies, coaches and freelancers sending hosted-page invoices for one-off projects and recurring retainers.
-
Small subscription businesses
Membership sites, small SaaS and community subscriptions running monthly renewals with card-on-file, dunning retries and network-token refresh.
-
Course and content creators
Independent educators and publishers selling courses, downloads or memberships — signed webhook triggers licence delivery inside seconds.
Out of scope for BazPay: adult, gambling, CBD, nutraceutical, forex, CFD, crypto-exchange, debt-collection and MLM. BazPay is not a merchant of record and does not act as a marketplace of third-party PSPs.
Compliance signals a small business should still expect
Small does not mean weak on compliance. The same PCI DSS Level 1 environment, PSD2 3-D Secure under 3-D Secure 2.2, hosted-field PCI scope reduction and GDPR-compliant regional data residency apply whether you take fifty transactions a month or fifty thousand.
- 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 / SEPA Instant
- Direct participation for merchant payouts in supported corridors
Questions small-business owners ask before signing
Is BazPay actually a fit for a small business, or is it built for enterprise?
The onboarding path, plugin install and dashboard-only operations model are designed with small operators in mind — no engineering team required to accept payments. The acquiring relationship, PCI scope reduction and interchange++ reporting scale up unchanged as the business grows, so a small business that lands here does not have to switch providers when volume increases.
How much does an online payment gateway for small business typically cost on BazPay?
Card processing runs on interchange++ — interchange (paid to the shopper's issuer under scheme rules), scheme fees, and the BazPay margin appear as separate lines on every settled transaction. Local payment methods carry their own scheme rates. There is no headline "free" claim and no blended tier hiding the cost split; the current schedule and any monthly minimums live on the pricing page.
Is there a minimum monthly volume to use the payment gateway for small business?
Underwriting looks at business model, risk profile and predictability rather than a hard monthly-volume floor. Merchants across the EU, UK, Australia, Canada and New Zealand across a wide range of sizes fit BazPay's book. Discuss your expected volumes with sales during boarding — the answer depends on your profile, not a lookup table.
How does BazPay compare with the payment aggregators most small businesses start on?
Aggregators go live in minutes on a shared MID; that speed costs you in reporting quality, payout timing and chargeback exposure once you scale. Starting on a direct regional acquirer takes a few days at boarding and gives you a named MID, interchange++ transparency, settlement to your own settlement account and clean chargeback attribution from day one.
Can a small business accept SEPA Instant, Apple Pay and cards through one contract?
Yes. Card acceptance (Visa, Mastercard, Cartes Bancaires, eftpos), device wallets (Apple Pay, Google Pay) and local payment methods (iDEAL, Bancontact, BLIK, pay by bank, PayTo and Interac) all sit behind the same BazPay charge object and the same signed webhook. Turn any method on from the dashboard per market — no separate contract per rail.
What if I do not have a website — can I still take card payments?
Yes. Generate a hosted checkout link from the dashboard and send it to a customer by email, SMS or messaging. The customer pays on a BazPay-hosted page; the funds settle to your local settlement account like any other charge. This flow is common for freelancers, consultancies and small service businesses that invoice individually.
Do I have to run a full PCI environment as a small business?
No. Hosted fields and gateway-side vaulting keep card data inside BazPay's PCI DSS Level 1 scope, so your annual return stays at merchant SAQ A — the smallest scope a merchant can hold. Your team never handles a live PAN.
Which small-business types can board on BazPay?
Merchants across the EU, UK, Australia, Canada and New Zealand: small DTC brands, storefronts, subscription software firms, professional-services businesses (consultancies, agencies, freelancers), course and content creators, 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.
Start on a direct regional acquirer, keep the same platform as you grow
Share your business model, monthly volume and existing stack. A named engineer will confirm boarding fit and turn on the plugin or hosted link inside one working day. See also card and APM processing, payouts and payment fraud prevention.