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Payments solutions for EU low-risk merchants.

BazPay bundles acceptance, recurring billing, payouts, fraud controls and reporting on one platform. Instead of stitching five vendors together, you configure one solution around your business model and go live.

Built for EU e-commerce sellers, subscription software firms, online retail chains and professional-services businesses. Direct acquiring on our own licence, interchange++ reporting and SEPA settlement into your own IBAN.

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Why choose a bundled payment solutions provider

Four things stay true whether you take a hundred euros a day or several million. They are the reasons product, engineering and finance teams stay with one platform after boarding is done.

  • Bundled, not stitched

    Acceptance, billing, payouts, fraud controls and reporting ship together on one platform. You do not integrate five vendors, reconcile five ledgers or maintain five webhook handlers.

  • Configured per business model

    The default policy set — SCA behaviour, exemption logic, retry rules, payout cadence — is tuned to your merchant profile at boarding. Adjust from the dashboard as your book grows.

  • One reporting surface

    Interchange++ line detail on every settled transaction, refund and chargeback. Finance teams reconcile against the source, not against a blended rate on a vendor summary.

  • Predictable EU underwriting

    Direct EU acquiring for low-risk merchants. No aggregated MID, no reseller layer, no black-box risk decisions from an unseen partner.

Solution bundles by business type

Four bundles share the same underlying platform. Each one turns different features on by default and ships a policy set tuned to that merchant profile.

  • E-commerce

    Card payment solutions for storefronts

    Hosted card fields plus Apple Pay, Google Pay and EU local payment methods on one integration. Maintained plugins cover WooCommerce, Magento 2, PrestaShop and Shopware, so a storefront goes live in days.

    • Hosted checkout
    • APMs
    • 3-D Secure 2.2
    • Fraud rules

  • Subscription

    Billing solutions for SaaS

    Card-on-file, network-tokenised renewals, MIT exemptions and dunning-aware retries. Recurring billing sits alongside acceptance under the same API and dashboard.

    • Card-on-file
    • Dunning
    • MIT exemptions

  • Retail

    Merchant solutions for retail

    Payment solutions for retail chains selling online: uniform reporting per SKU, per outlet and per region. Payouts land into one EU IBAN even when you sell across several storefronts.

    • Per-store IDs
    • SKU reporting
    • Chargeback tools

  • Services

    Solutions for professional services

    Higher-ticket invoices, named-payer trust lists, enforced 3-D Secure 2 over a threshold you set, and reporting that lines up with your accounting system.

    • Invoicing
    • Named payers
    • Higher tickets

Payment-method depth on card and APM processing. The acquiring contract itself on merchant acquiring. The unified software layer behind every rail on the network payment gateway page.

From first call to live payments

Six stages sit between discovery and steady-state operations. Each stage is trackable in the dashboard and each stage change fires a signed webhook.

  1. Discovery

    Share your business model, volumes, markets and existing stack. A payments specialist maps the solution bundle before boarding starts.

  2. Underwriting

    KYC and low-risk merchant review. Documents, ownership and revenue model reviewed against the underwriting policy for your vertical.

  3. Provision

    Named MID with the schemes, sandbox and live API credentials, dashboard access for your product, engineering and finance teams.

  4. Integrate

    One REST endpoint, one webhook signing secret and hosted fields for the checkout. Existing plugins cover the four common EU commerce stacks.

  5. Go live

    Test with sandbox, replay decline paths, then flip the API key. Real-time analytics show approval quality from the first hour.

  6. Iterate

    Tune fraud rules, retry cadence and payout schedule from the dashboard. Rule changes apply to the next order — no engineering release.

Bundled solution vs stitched vendors

Buying acceptance, billing, fraud and payouts as separate products keeps every vendor focused on one thing — but it multiplies the integration and reconciliation load on your side. The comparison below explains where a bundled payment solutions provider earns its keep.

BazPay bundled payment solutions compared with stitched vendor stack
Dimension BazPay (bundled) Stitched vendor stack
Integration One platform, one API Stitched vendors per capability
MID structure Named MID per merchant Shared or aggregated MID
Fraud engine Inline, dashboard-configurable Bolt-on subscription
Recurring billing Native to the platform Separate biller with a card token
Reporting Interchange++ line detail Blended summary from each vendor
Onboarding Named onboarding manager for your vertical Self-serve, generic policies
Underwriting scope EU low-risk merchants Broad, includes high-risk

Rate cards on the pricing page. Plugin coverage on integrations.

Features in the merchant payment solutions bundle

Every capability below is available on the standard integration. Turn features on with a request flag or a dashboard toggle — no enterprise-tier gate on the primitives.

  • Acceptance

    Card, wallet and EU local payment methods through one REST endpoint, on our own EU acquiring licence.

  • Recurring billing

    Card-on-file, dunning-aware retries and MIT exemptions on renewals — recurring billing native to the platform.

  • Payouts

    SEPA and SEPA Instant to your named IBAN. SWIFT and push-to-card available on approved corridors.

  • Fraud rule engine

    Device, velocity and geography signals scored inline with allow, step-up, review and block verdicts you tune yourself.

  • Hosted checkout

    Prebuilt hosted pages plus drop-in components — the fastest way to a compliant checkout that still fits your brand.

  • Signed webhooks

    HMAC-signed, replay-protected events across acceptance, billing, payouts and disputes — one signature scheme end to end.

  • Interchange++ reporting

    Every settled transaction breaks out interchange, scheme fees and gateway margin for finance-team reconciliation.

  • Real-time analytics

    Approvals, declines, fraud verdicts and disputes visible within seconds — see what a rule change did before the next scheme cycle.

One API for acceptance, billing and payouts

The charge object is the unit of work. One endpoint authorises, captures and refunds. Subscriptions and payouts share the same signing secret, idempotency contract and webhook envelope, so your engineering team maintains one integration surface across every part of the solution. 

POST /v1/charges
Idempotency-Key: 8f1c-2b3a-9e4d
{
  "amount": 4990,
  "currency": "EUR",
  "payment_method": "card",
  "customer": "cus_5F9k",
  "subscription": "sub_2H9F...",
  "capture": "auto",
  "three_d_secure": "required_if_needed",
  "metadata": { "plan": "pro_annual" }
}

The response returns a canonical charge object with the authorisation code, the subscription reference and the exemption applied. Read the complete schema in the API reference.

Industries we build payments solutions for

BazPay is a low-risk EU payment solutions provider. Underwriting is scoped to four merchant profiles with predictable chargeback ratios and clean AML posture.

  • E-commerce sellers

    DTC brands and multi-country storefronts on Shopware, Magento 2, WooCommerce or PrestaShop. Local card and APM acceptance under one MID.

  • Subscription software

    SaaS teams billing monthly and annual plans with card-on-file renewals, dunning-aware retries and MIT exemptions.

  • Retail chains

    Multi-outlet retailers running online storefronts: uniform reporting per outlet, per SKU and per region, one settlement balance.

  • Professional services

    Agencies, consultancies and B2B service firms invoicing higher tickets with named-payer allow lists and enforced 3-D Secure 2.

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

Security and compliance signals

The platform runs inside a PCI DSS Level 1 environment assessed each year. Hosted fields, network tokens and gateway-side vaulting keep your annual return at merchant SAQ A. PSD2 SCA runs on every card charge with automatic exemption logic where the rules allow.

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
PSD2 SCA
3-D Secure 2.2 with automatic exemption logic on every card charge
GDPR
EU data residency; DPA available on request
SEPA / SEPA Instant
Direct participation for merchant payouts in supported corridors

Questions merchants ask first

What kind of payment solutions company is BazPay?

BazPay is a direct EU acquirer and payment gateway operated by NEWERA PAYMENT TECHNOLOGIES LTD. The platform bundles acceptance, recurring billing, payouts, fraud controls and reporting so a merchant does not have to integrate several payment solutions providers to get one working stack.

How do BazPay payment solutions differ from a standalone gateway?

A standalone gateway typically covers acceptance only, leaving billing, payouts, fraud and reporting to other vendors. BazPay ships those functions on one platform with one API, one dashboard and one signed-webhook stream — the integration and reconciliation surface is much smaller for your engineering and finance teams.

Which merchant profiles fit these online payment solutions?

EU low-risk merchants: e-commerce sellers, subscription software firms, retail chains selling online, professional-services businesses and digital publishers. BazPay does not board adult, gambling, CBD, nutraceutical, forex, CFD, crypto-exchange, debt-collection or MLM merchants.

Do you offer payment solutions for healthcare?

Only for the non-clinical, low-risk professional-services side — private clinics, therapists, dental practices and healthcare software billing consultations, memberships or subscriptions. BazPay is not a health care payment system for clinical or PHI-bearing workflows and does not process insurance claims or store patient health records. Merchants handling protected health data should consult their DPO on where BazPay fits in their broader compliance stack.

Are these payment solutions for retail suitable for multi-outlet businesses?

Yes. Retail chains selling online through several storefronts or brands can operate under one merchant contract with per-store identifiers so reporting stays clean per outlet, per SKU and per region. Payouts land in one EU IBAN. On-premise card-present terminals are not in scope — BazPay is an online payment gateway.

How flexible are the billing and payout options?

Recurring billing supports one-off, subscription and metered charges. Retry cadences, dunning windows and payout schedules are configured from the dashboard, so the same platform covers rigid enterprise policies and flexible payment solutions for small merchants without a code change.

Do you support a faster payment system for payouts?

For euro-denominated payouts inside SEPA, we settle via SEPA Instant on approved corridors, so funds arrive within seconds where both banks participate. Standard SEPA settles the same or next business day. SWIFT and push-to-card options are available on approved routes for specific corridors.

Does BazPay act as a merchant of record for MOR services?

No. BazPay is a payment gateway and EU acquirer, not a merchant of record. Your legal entity holds the merchant contract, appears on the shopper's statement and remains the counterparty to the sale. MOR services — collecting sales tax, remitting VAT or standing in as the seller — are outside BazPay's scope.

Scope your payment solution today

Share your business model and volumes. A payments specialist will confirm boarding fit and map the bundle — acceptance, recurring billing, anti-fraud controls, payouts and real-time analytics — within one working day.

Talk with sales Read the API reference