For Businesses (SMEs)
Convert payments into retention with customized loyalty programs, AI insights, and QR based A2A payments.
Retention & Loyalty
Personalized rewards, multi-brand loyalty, and repeat visits — automatically.
Revenue Intelligence
AI sales analytics, customer segments, and recommendations to grow revenue.
Payment Efficiency
Instant QR payments with lower costs — no expensive terminals required.
Plans & Features
Compare features across Starter, Growth, and Premium plans.
Auto-renewable subscription information
Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period.
You can manage and cancel subscriptions in your account settings after purchase.
| Plan | 🟢 Starter | 🔵 Growth (Recommended) | 🔴 Premium |
|---|---|---|---|
QR Payments | ✅ | ✅ | ✅ |
Basic Loyalty | ✅ | ✅ | ✅ |
Insights Dashboard | Basic | +Interactive | +Predictive |
Transaction Fee | 1.3% | 1.1% | 1% |
AI Segmentation (auto-recommendation) | ❌ | ✅ | ✅ |
Automated User Reactivation | ❌ | ✅ | ✅ |
E-invoicing (Automate & Customize) | ❌ | ✅ | ✅ |
VIP Logic | ❌ | ✅ | ✅ |
Multi-location Support | ❌ | ❌ | ✅ |
Network Loyalty (Cross-Merchant) | ❌ | ❌ | ✅ |
API Integration | ❌ | ❌ | ✅ |
Support Level | Priority | Dedicated |
Get on board in just 2 mins
Increase your sales + offer rewards in minutes. Quick onboarding for SMEs using SIREN number without paperwork.
Download the app
Install EuropeanPay Merchant from the App Store or Play Store.
Enter Business SIREN
Use your official business SIREN number to create your merchant profile securely.
Authenticate bank account
Connect your bank account and set your labels for offers, cashback, and rewards.
Merchant Demo
See how merchants use EuropeanPay to create loyalty campaigns, analyze sales, and reduce transaction costs.
Trusted partners
Supported by leading innovation partners.
Business FAQ
Answers to the most common questions from merchants using EU Pay.
What is EU Pay for merchants?
EU Pay helps local businesses increase sales by converting every transaction into loyalty with rewards, cashback, and retention tools.
How does EU Pay help me grow my business?
EU Pay turns one-time shoppers into repeat customers with built-in loyalty programs and personalized incentives that drive retention.
Do I need a payment terminal or hardware?
No. EU Pay works with simple QR-based payments, so you do not need expensive card terminals or additional hardware.
What types of businesses can use EU Pay?
EU Pay is designed for local SMEs such as cafes, restaurants, tabacs, grocery stores, bakeries, and retail shops.
How does the loyalty program work?
Customers earn rewards automatically when they pay. Merchants can offer cashback, discounts, or personalized offers directly through EU Pay.
Is EU Pay difficult to set up?
Not at all. Merchants can onboard quickly, generate a QR code, and start accepting payments and rewarding customers in minutes.
What insights do I get as a merchant?
EU Pay provides analytics such as repeat customer rate, popular spending patterns, and AI-based recommendations to improve loyalty and revenue.
How much does EU Pay cost?
EU Pay offers a freemium model: a Free plan with basic loyalty and payments, and a Premium plan (25 EUR/month) with advanced analytics, marketing tools, and AI recommendations.
Is EU Pay secure and compliant?
Yes. EU Pay uses PSD2 open banking infrastructure with regulated partners, ensuring secure payment initiation and customer authentication.
How does EU Pay compare to card payments?
EU Pay reduces dependency on card networks, lowers transaction fees, and adds loyalty features that traditional card payments do not provide.
Does EU Pay have its own payment system?
Yes. EU Pay provides its own payment solution with QR-based account-to-account (A2A) payments. Users earn higher cashback when paying with EU Pay, and merchants benefit from lower costs versus traditional card payments.