All the payment features to grow your business
From online checkout to chat links, smart POS to installment plans: offer your customers their preferred way to pay, with fast payouts and automated reconciliation.
- Payments with cards, digital wallets, and SEPA transfers
- Payment links and QR codes with automated reminders
- Installment plans with 100% upfront merchant payout
- One-click checkout and PCI DSS Level 1 certified tokenization
Purchase Request
E-commerce, invoice, chat, or in-store point of sale
Customer Choice
Card, wallet, bank transfer, installments, or QR
Secure Processing
Tokenization and 3DS strong authentication
Merchant Payout
Fast settlement and automated reconciliation
Accept your customers' preferred payment methods
A single integration to accept all major credit and debit card networks, digital wallets for one-tap payments, and direct SEPA bank transfers. For recurring revenue or supply contracts, SEPA Direct Debit automates collection on scheduled due dates, with automated retry handling if a payment fails.
Real-world example
A professional service firm or online merchant receives payments from customers across Europe: at checkout, the customer chooses whether to pay by card, use their mobile digital wallet, or authorize a direct bank transfer.
- Omnichannel acceptance for major international card schemes
- Digital wallet integration for friction-free mobile checkout
- SEPA direct debit for recurring invoicing and subscriptions
- Automated transaction matching with accounting invoices and orders
PCI DSS Level 1 encrypted payment
Dear customer, here is your payment link for Invoice #2026/084 of €150.00.
Inquadra da qualsiasi smartphone per saldare senza inserire IBAN.
Payment completedGet paid anywhere with shareable links and QR codes
No online store required. Generate unique, secure payment links in seconds and share them via email, SMS, or messaging chats. If the customer does not pay immediately, automated reminders trigger before and after the due date. For in-person payments or invoices, generate static or dynamic QR codes scannable with any smartphone camera.
Real-world example
A boutique hotel or repair shop collects a €150 booking deposit over the phone: they create a secure payment link and send it via chat or SMS. The customer taps the link, completes payment in 15 seconds from their phone, and the reservation updates automatically.
- Instant payment link creation with dedicated invoice amount and reference
- Flexible sharing via email, SMS, or instant messaging apps
- Configurable automated reminders to eliminate manual follow-ups
- QR codes ready to print on invoices, estimates, or counter displays
Offer installment payments: customers split, you get paid immediately
Remove purchase friction by allowing customers to divide their bill into 3 or 4 interest-free installments, or extended financing plans up to 24 months for larger purchases. Instant credit scoring via Open Banking delivers decisions in under a second with zero paperwork. Credit risk is 100% covered by the financial network: you receive the full purchase amount upfront.
Real-world example
A specialty retailer sells equipment worth €600: at checkout the buyer opts for 3 installments of €200 (first today, second in 30 days, third in 60 days). The customer pays zero interest, and the merchant receives the full €600 immediately.
- Split payments into 3 or 4 interest-free installments for consumers
- Extended financing terms up to 24 months for high-ticket orders
- Sub-second AI credit scoring via Open Banking without paperwork
- Zero credit risk for the merchant: immediate 100% payout
Today: €50.00 (Confirmed)
1ª rata addebitata al checkoutIn 30 days: €50.00
Addebito automatico su carta/contoIn 60 days: €50.00
Chiusura piano ratealeZero attesa: l'intero importo viene accreditato subito sul tuo conto.
•••• •••• •••• 6307
One-click checkout and saved payment methods with bank-grade security
Powered by Rox-Memory tokenization, customers save their card credentials once in a PCI DSS Level 1 certified vault. On subsequent purchases, there is no need to re-enter 16-digit card numbers, expiration dates, or CVV codes: the platform securely identifies the buyer and enables one-click completion with PSD2-compliant strong customer authentication.
Real-world example
A returning customer places a reorder: in the payment form their saved card is already pre-selected with masked digits (e.g. **** 6307). With a single tap, the purchase is confirmed in just 4 seconds.
- Tokenized card storage: no sensitive PAN data stored in plain text
- Multiple saved cards supported within a single customer profile
- Full 3-D Secure authentication compliant with European PSD2 standards
- Significant reduction in abandoned carts by removing checkout friction
Accept in-store payments with Smart POS terminals and QR codes
Bring digital payment flexibility to your physical counter. Modern Android touchscreen Smart POS terminals accept chip cards, contactless NFC payments from smartphones and wearables, and dynamic on-screen QR codes. All retail and online transactions stream into the same unified dashboard, making daily cash reconciliation seamless.
Real-world example
A retail store or restaurant checks out a customer: the shopper taps their contactless phone or card on the Smart POS, or scans the on-screen QR code to settle a €42.50 check. The receipt prints immediately and reconciles in real time.
- Modern Android Smart POS terminals with 4G/Wi-Fi and thermal printer
- Contactless NFC support for cards, smartphones, and wearable wallets
- Integrated optical scanning for fast on-screen QR code settlement
- Single unified dashboard reconciling in-store and e-commerce revenue
Tap contactless card or smartphone
€ 42,50
Transaction Approved
Synchronized with cash registerSupport the Cause
Modulo donazioni tracciabileSelect your contribution amount or enter a custom sum
Collect donations and member contributions for non-profit entities
Tailored solutions for charitable organizations, NGOs, and community associations to collect single donations, recurring dues, or fundraising contributions. Share donation links via newsletters and social channels, or place QR codes on event brochures to let supporters contribute in seconds by card or bank transfer with full transparency.
Real-world example
A non-profit foundation runs a fundraising initiative: they print a QR code on promotional posters and place a link on their website. Supporters scan the code from their smartphone and donate €25 or €50 by card or bank transfer.
- Customizable donation links for web pages, emails, and social media
- Printable QR codes for on-site contribution collection during events
- Digital receipts automatically emailed to donors for tax records
- Transparent reporting to simplify non-profit accounting and audits
How to get started with RoxPay
From account setup to fund settlement in 3 straightforward steps.
Activate your business account
Configure your company profile in minutes: select the channels you need, from online checkout and payment links to Smart POS terminals for your stores.
Customers choose how they pay
Provide complete payment flexibility: credit and debit cards, digital wallets, SEPA direct debits, interest-free installments, or QR code scans.
Immediate payout & reconciliation
Funds are processed and deposited into your business bank account, while every transaction automatically reconciles with its corresponding invoice or order.
Frequently asked questions about payment features
Everything you need to know about payment methods, installment terms, and security.
Which payment methods can my customers use?
How does Pay-by-Link work and what does the customer see?
Who bears the credit risk when customers pay in installments?
How are customer card details protected with Rox-Memory?
Can I use RoxPay payment features both online and in physical stores?
Can non-profit organizations collect donations and contributions?
Ready to elevate your payment experience?
Activate RoxPay payment capabilities for your business today. Our team is ready to provide dedicated onboarding assistance.
