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Thirteen payment pillars. One integration.

BazPay is the EU payment gateway built for low-risk merchants. Card acquiring, open banking, payouts and fraud checks sit behind one API contract. You wire it once. Then you turn products on as you need them.

Built for EU e-commerce sellers, subscription software firms and professional-services businesses. Pricing is published. Underwriting stays low-risk on purpose.

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What you can switch on

Each product below has its own page with the detail. They all run off the same account and the same keys.

  • 01Acquiring

    Card and APM processing

    Take Visa, Mastercard and every major EU wallet through one API contract. Routing scores each authorisation against your own history, then picks the connection most likely to approve. Soft declines get re-tried before the shopper sees an error.

    • Visa
    • Mastercard
    • Apple Pay
    • Google Pay
    Card & APM processing

  • 02Pay by bank

    Open banking

    The shopper approves in their own banking app. Funds move on SEPA Instant rails and land in seconds. No card, no token, no interchange.

    • iDEAL
    • BLIK
    • Bancontact
    • EPS
    Open banking

  • 03Money out

    Payouts

    Pay out of the same balance you collect into. Send a SEPA credit transfer to an IBAN, or push funds straight to a card. Batch files work too.

    • SEPA
    • Card push
    • Batch
    Payouts

  • 04Subscriptions

    Recurring billing

    Plans, trials, proration and dunning run on the gateway. Failed renewals retry on a schedule you set. Mandates and stored credentials stay in our vault.

    • Plans
    • Dunning
    • Mandates
    Recurring billing

  • 05Risk

    Anti-fraud

    Rules and device signals score each order before it reaches the acquirer. You set the thresholds. 3-D Secure 2 steps in only when the risk earns it.

    • Rules
    • 3-D Secure 2
    • Velocity
    Anti-fraud

  • 06Front end

    Checkout products

    Hosted pages, drop-in fields or a full server-to-server flow. Hosted fields render inside our PCI scope, so no card number ever touches your stack.

    • Hosted page
    • Drop-in
    • S2S
    Checkout products

  • 07Reporting

    Real-time analytics

    Watch approval rates, decline reasons and settlement by rail as they happen. Filter by BIN country, scheme or currency. Export any view as CSV.

    • Decline codes
    • Settlement
    • CSV
    Real-time analytics

  • 08Build

    API reference

    One REST API covers every product above. Keys, sandbox data and webhooks are self-service from day one. No sales call needed to start.

    • REST
    • Webhooks
    • Sandbox
    API reference

Card data never lands on your servers

We hold PCI DSS Level 1 on the gateway side. Hosted fields render inside our scope, so a card number skips your stack entirely. Your yearly return stays at SAQ A. That is the smallest scope a seller can hold.

Vaulting is gateway-side only. Stored credentials, mandates and network tokens live with us, and move with you if you add a second rail.

Scope and certification summary
Card data storage Gateway-side vault only never your servers
Your annual return SAQ A smallest scope
Our certification PCI DSS Level 1 audited yearly
Strong authentication 3-D Secure 2 certified PSD2
Data handling GDPR-compliant EU processing

Rails, methods and settlement

One contract covers all four rails. Pick the ones your shoppers already use, and drop the rest.

Payment rails by method, settlement and card scope
RailMethodsSettlementCard scope
Card acquiring Visa, Mastercard, Maestro, Cartes Bancaires Scheme cycle SAQ A
Wallets Apple Pay, Google Pay Scheme cycle SAQ A
Open banking iDEAL, BLIK, Bancontact, EPS, Przelewy24 SEPA Instant No card data
Payouts SEPA credit transfer, card push Same balance No card data

Want the full method list for your markets? See integrations for plugin and platform coverage.

From sandbox to live traffic

Most sellers move in days, not months. It is a self-service path from the first key.

  1. Open a sandbox

    Sign up and get test keys at once. Full API access, no demo call, no contract first.

  2. Drop in a plugin or call the API

    Pre-built plugins cover the major EU shop platforms. Prefer code? The REST endpoints are the same ones our plugins use.

  3. Send test traffic

    Replay approvals, declines and 3-D Secure 2 flows against sandbox data. Webhooks fire exactly as they will in production.

  4. Submit underwriting

    We underwrite low-risk sellers only. That focus is why approval rates stay steady across our book.

Start with test keys today

Open a sandbox account and call the API in the same hour. Prefer to talk it through first? A payments specialist can walk your rails with you.

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