Crowdfunding platforms in Italy: models, rules and payments
Italian platforms support reward, equity, lending and donation crowdfunding. Regulation EU 2020/1503 applies to equity and lending, while platforms must manage identity checks, AML controls and fund distribution. A reliable gateway is essential when a campaign handles thousands of small payments.
The four crowdfunding models
Reward supporters receive a product or service; equity supporters receive company shares; lending supporters provide an interest-bearing loan; donation supporters give money without consideration. Real-estate crowdfunding is generally structured as equity or lending.
Payments, KYC and split settlement
A platform needs card, wallet and bank-transfer acceptance, KYC and AML checks, refunds and split payments that separate the platform fee from the beneficiary's funds. RoxPay assesses crowdfunding applications case by case and may request additional documents.
Frequently Asked Questions
Is crowdfunding safe?
Authorised equity and lending platforms follow ECSP transparency and investor rules, but investment and campaign risk remains. Payment safety depends on KYC, AML and the provider's controls.
Which crowdfunding model should a project choose?
Reward suits products, donation suits causes, equity suits startup capital and lending suits interest-bearing finance. Compare platform fees and payment costs together.
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