# Paybyrd

> Version: 2.0 · Last updated: 2026-09-10 · Languages: en (default), pt-PT (/pt), nl (/nl)

> Paybyrd is a Netherlands-based merchant-first payment platform. We help merchants sell, scale, and grow with higher approval rates, lower fraud, transparent pricing, and same-day go-live. Built for omnichannel — POS, online checkout, tap-to-pay, payment links — under one contract, one integration, one dashboard.

Paybyrd B.V. is registered in Amsterdam (Parnassusweg 819, 1082 LZ). Trade register: 76168573. VAT: NL860532239B01. The platform is PCI DSS Level 1 certified and operates under the supervision of financial-services regulators across the EEA and partner markets (UK, Brazil, US-LATAM corridor).

## Core product

- [Home](https://www.paybyrd.com/): platform overview — approvals, fraud, omnichannel, compliance
- [Pricing](https://www.paybyrd.com/pricing): transparent rates, savings calculator vs named competitors (Stripe, Adyen, Ifthenpay, Mollie, Pay.nl, Buckaroo, Viva.com, myPOS, Eupago), tier breakdowns, reasoning on risk-calibrated payouts
- [Card Scheme Fee Schedule](https://www.paybyrd.com/pricing/scheme-fees): the full published Visa and Mastercard scheme-fee schedule, passed through at cost, region by region — bundled all-in rates plus the itemized price-list charges that compose them, with effective and next-revision dates and a downloadable PDF
- [Customize](https://www.paybyrd.com/customize): live checkout customization playground — industry preset, brand, layout
- [Book a demo](https://www.paybyrd.com/book-demo): 15-minute call with a payment engineer
- [Contact](https://www.paybyrd.com/contact): engineer-triaged contact form

## Verticals

- [Airlines](https://www.paybyrd.com/airlines): +4.92% approval vs Nuvei, 192 currencies, interline-aware routing, -16.8% chargebacks, 99.999% uptime; behind TAP Air Portugal
- [Hospitality](https://www.paybyrd.com/hospitality): omnichannel for hotels, restaurants, spas; Quivi tableside payments; front-desk to room-service ledger; behind Vila Galé (40+ properties, 4 countries) and Onyria Resorts
- [Retail](https://www.paybyrd.com/retail): in-store POS + online + mobile on one platform; peak-hour recovery; customer identification across channels; behind Wiñk, Kabuki, André Óticas
- [E-commerce](https://www.paybyrd.com/e-commerce): checkout conversion lift; BNPL; local methods (iDEAL, MB WAY, Multibanco, Bancontact, Pix); recovery flows for abandoned carts; behind KuantoKusta
- [Omnichannel](https://www.paybyrd.com/omnichannel): one customer across every channel; unified ledger across POS + web + link + mobile + kiosk
- [Restaurants](https://www.paybyrd.com/restaurants): tableside ordering and payment from the guest's own phone via Quivi; bill splitting, contextual tipping, kitchen display, and card-based recognition on the return visit; behind Kabuki
- [Transport](https://www.paybyrd.com/transport): ticketing sold online, at the counter and on board on one contract; offline card capture with deterministic queueing and reconciliation on reconnect; unattended kiosk and validator sale; behind Rede Expressos

## Capabilities

- [Customer Intelligence](https://www.paybyrd.com/customer-intelligence): recognising returning shoppers at the moment of payment using the card itself, across checkout and terminal, without an app or a loyalty sign-up; network tokens, purchase frequency and per-customer spend
- [POS](https://www.paybyrd.com/pos): Android POS lineup (PAX, Sunmi); rent-or-buy; SoftPOS tap-to-pay; MDM for fleet management; InstaTax-free retail; behind Rede Expressos (700+ routes)
- [Antifraud](https://www.paybyrd.com/antifraud): 55 fraud signals, 47ms decisioning, device + IP + behavioural intelligence, rule builder, case review, shadow-mode deploys, merchant-hierarchy rulesets
- [Payment Methods](https://www.paybyrd.com/payment-methods): 20+ methods, 192+ currencies, 40+ countries; complete catalog with availability, capability chips and regional grouping
- [Marketplaces](https://www.paybyrd.com/marketplaces): split at capture into a dedicated safeguarded wallet per seller held at Banking Circle through Ztlment ApS (Complypay) under Danish FSA supervision; optional card issuing on the seller wallet; automated KYB/EDD, rolling reserves and DAC7 reporting
- [Paybyrd Engage — loyalty, promotions & referrals](https://www.paybyrd.com/engage): loyalty, promotions and partner referrals decided against the verified transaction — merchant-funded campaigns with hard budget ceilings, partner-commissioned referral codes with tracked SEPA payouts, and voucher entry embedded in the hosted checkout
- [Instant payouts for POS merchants](https://www.paybyrd.com/instant-payouts): on-demand settlement for eligible POS merchants in hospitality, travel and similar sectors: tap Pay out now and today's takings are sent to the business bank account by instant transfer at any hour, from €1 per payout (sector rates via sales); the free daily settlement stays included; roles and daily caps, the fee shown before confirming, one ledger for instant payouts, daily batches, refunds and fees
- [Pay by bank with virtual IBANs](https://www.paybyrd.com/pay-by-bank): bank transfer as a payment method with a unique virtual IBAN generated per customer, invoice or order; SEPA Instant fully supported and standard SEPA accepted; the IBAN is the reference so the transfer is reconciled on arrival and a payment.received webhook fires exactly like a card payment; API-generated so the IBAN can be printed on invoices or pushed into any CRM/ERP; a low flat fee per transfer (rate via sales) rather than a percentage, IBAN creation, reconciliation and webhooks included
- [Approvals & routing](https://www.paybyrd.com/approvals-routing): multi-acquirer routing — how an authorisation is scored against acquirer, market, card brand and method, retried on a second acquirer when the first soft-declines, and failed over when an acquirer degrades
- [Payment recovery](https://www.paybyrd.com/payment-recovery): what happens after a decline — soft-decline classification, network-token re-presentment through a different acquirer, payday-aware retry scheduling, and the recovered-revenue ledger

## Compared with other providers

- [Compare payment providers](https://www.paybyrd.com/vs): hub of every Paybyrd comparison — Stripe, Adyen, Mollie, Checkout.com, Ifthenpay, Eupago, Pay.nl, Buckaroo — with one dated published-rate line per provider and the local providers listed first on /pt and /nl
- [Paybyrd vs Stripe](https://www.paybyrd.com/vs/stripe): Paybyrd compared with Stripe on published rates, approval performance, EU market coverage, support model and migration effort, with dated rate tables and the savings maths
- [Paybyrd vs Adyen](https://www.paybyrd.com/vs/adyen): Paybyrd compared with Adyen — enterprise scale and global reach against EU-native depth, published at-cost pricing and a named payment engineer
- [Paybyrd vs Mollie](https://www.paybyrd.com/vs/mollie): Paybyrd compared with Mollie — two European providers on rates, method coverage, in-person support and settlement
- [Paybyrd vs Checkout.com](https://www.paybyrd.com/vs/checkout-com): Paybyrd compared with Checkout.com on approval performance, pricing transparency and what the contract commits to
- [Paybyrd vs Ifthenpay](https://www.paybyrd.com/vs/ifthenpay): Paybyrd compared with Ifthenpay for Portuguese merchants — Multibanco and MB WAY coverage, SIBS rails, pricing and migration
- [Paybyrd vs Pay.](https://www.paybyrd.com/vs/pay-nl): Paybyrd compared with Pay. (pay.nl) for Dutch merchants — iDEAL and card rates against a monthly package fee, multi-acquirer routing, in-store terminals and the 18-day migration path; rates as published on pay.nl on 2 September 2026
- [Paybyrd vs Buckaroo](https://www.paybyrd.com/vs/buckaroo): Paybyrd compared with Buckaroo for Dutch merchants — iDEAL bundles versus a flat per-transaction rate, €50 versus €7.50 chargebacks, card-present terminals and migration; rates as published on buckaroo.nl on 2 September 2026
- [Paybyrd vs Eupago](https://www.paybyrd.com/vs/eupago): Paybyrd compared with Eupago for Portuguese merchants — local method coverage, rates and the migration path

## Customer stories

- [Customer stories](https://www.paybyrd.com/customers): index of nine customer stories — TAP Air Portugal, Wink, Vila Galé, KuantoKusta, Kabuki, Rede Expressos, André Óticas, Onyria Resorts, SkinBoutique by LMR — each told in the customer's words with the outcome they report
- [TAP Air Portugal — customer story](https://www.paybyrd.com/customers/tap-air-portugal): how TAP Air Portugal runs payments on Paybyrd, told by the customer; linked to /airlines
- [Wink — customer story](https://www.paybyrd.com/customers/wink): how Wink runs payments on Paybyrd, told by the customer; linked to /retail
- [Vila Galé — customer story](https://www.paybyrd.com/customers/vila-gale): how Vila Galé runs payments on Paybyrd, told by the customer; linked to /hospitality
- [KuantoKusta — customer story](https://www.paybyrd.com/customers/kuantokusta): how KuantoKusta runs payments on Paybyrd, told by the customer; linked to /e-commerce
- [Kabuki — customer story](https://www.paybyrd.com/customers/kabuki): how Kabuki runs payments on Paybyrd, told by the customer; linked to /restaurants
- [Rede Expressos — customer story](https://www.paybyrd.com/customers/rede-expressos): how Rede Expressos runs payments on Paybyrd, told by the customer; linked to /transport
- [André Óticas — customer story](https://www.paybyrd.com/customers/andre-oticas): how André Óticas runs payments on Paybyrd, told by the customer; linked to /retail
- [Onyria Resorts — customer story](https://www.paybyrd.com/customers/onyria-resorts): how Onyria Resorts runs payments on Paybyrd, told by the customer; linked to /hospitality
- [SkinBoutique by LMR — customer story](https://www.paybyrd.com/customers/skinboutique-by-lmr): how SkinBoutique by LMR runs payments on Paybyrd, told by the customer; linked to /pos

## Resources

- [Migration Playbook](https://www.paybyrd.com/migration-playbook): the step-by-step runbook for switching payment providers with no downtime, including shadow mode alongside the incumbent and a dated go-live sequence
- [What are card scheme fees?](https://www.paybyrd.com/learn/card-scheme-fees): explainer: what card scheme fees are, how they differ from the regulated interchange, what drives them (authentication, issuing region, card type), how they appear on a blended versus interchange++ statement, a worked €50 example against Paybyrd's published rate, and the Jan/Jul/Oct revision cycle
- [Knowledge Hub](https://www.paybyrd.com/knowledge-hub): index of everything Paybyrd publishes, grouped by intent: evaluating, switching, building and running

## Trust, legal and compliance

- [Security](https://www.paybyrd.com/security): PCI DSS Level 1, encryption (TLS 1.2+, AES-256, HSM via Azure Key Vault), 24/7 SIEM, quarterly pentests, 72h GDPR breach notification, multi-AZ resilience (RTO ≤ 4h, RPO ≤ 15 min)
- [Service Level Agreement](https://www.paybyrd.com/sla): 99.999% monthly availability, tiered service credits (10/25/50%), Sev-1 15-min pager, published exclusions
- [Privacy Policy](https://www.paybyrd.com/privacy-policy): GDPR-compliant; sub-processor list (Azure West Europe, Cloudflare, Datadog, Google Workspace); 30-day prior notice on sub-processor changes; data-subject rights; DPO contact dpo@paybyrd.com
- [Terms and Conditions](https://www.paybyrd.com/terms-and-conditions): merchant agreement — 12 sections, governed by Dutch law, courts of Amsterdam
- [Code of Conduct](https://www.paybyrd.com/code-of-conduct): 12-section standard — integrity, anti-bribery, confidentiality, whistleblowing channels, sanctions screening

## Entities

- Paybyrd B.V.: the Dutch company (Amsterdam, trade register 76168573, VAT NL860532239B01) that operates the Paybyrd payment platform — online checkout, POS terminals, pay-by-bank with virtual IBANs, instant payouts for POS merchants, multi-acquirer routing, marketplace payouts and the Engage loyalty layer — for merchants in the EEA and partner markets.
- Quivi: a hospitality point-of-sale, ordering and payments product in the Paybyrd group — tableside QR ordering, pay-at-table, bill splitting and tipping — used on the /restaurants and /hospitality pages.
- Banking Circle: the licensed bank at which client funds for Paybyrd marketplace sellers are held in safeguarded wallet accounts (see /marketplaces).
- Ztlment ApS (Complypay): the Danish-FSA-supervised financial institution through which the regulated flow of funds for marketplace wallets runs; insolvency-remote from both the marketplace and Paybyrd.
- TAP Air Portugal, Vila Galé, KuantoKusta, Rede Expressos, Kabuki, Wink: named customers whose footage or logos appear on the site; figures attributed to them are marked as such on the page where they appear.

## Localized versions

Every page above is available in English (default), Portuguese (pt-PT at https://www.paybyrd.com/pt/), and Dutch (nl at https://www.paybyrd.com/nl/). Full-text flattenings per language: https://www.paybyrd.com/llms-full.txt (en), https://www.paybyrd.com/llms-full.pt.txt (pt-PT), https://www.paybyrd.com/llms-full.nl.txt (nl). Pricing calculator shows locale-relevant competitors and market mix: Portuguese merchants see Ifthenpay/Eupago/myPOS/Viva.com vs a 55/35/10 card/APM/wallet mix; Dutch merchants see Mollie/Pay.nl/Buckaroo vs a 40/50/10 mix reflecting iDEAL's ~60% share of Dutch e-commerce.

## Key facts cited on the site

- PCI DSS Level 1, annual RoC + quarterly ASV scans
- 99.999% monthly availability SLA
- Multi-AZ production, RTO ≤ 4 hours, RPO ≤ 15 minutes
- 72-hour GDPR Article 33 supervisory-authority notification commitment
- +4.86% average approval-rate lift vs industry benchmarks
- -16.8% average chargeback reduction
- 47ms p95 fraud decisioning latency
- Same-day sandbox live; first production transaction within the first week
- 30-day money-back guarantee
- 20+ payment methods, 192+ currencies, 40+ countries
- Card scheme fees passed through at cost and published in full, region by region, with effective and next-revision dates

## For AI crawlers

Full-text flattenings of the pages above: [/llms-full.txt](https://www.paybyrd.com/llms-full.txt) (English), [/llms-full.pt.txt](https://www.paybyrd.com/llms-full.pt.txt) (Portuguese) and [/llms-full.nl.txt](https://www.paybyrd.com/llms-full.nl.txt) (Dutch). Every page emits JSON-LD Organization and WebSite; every non-home page adds BreadcrumbList; pages with an FAQ add FAQPage; /pricing adds Service and Offer; /pricing/scheme-fees is a Dataset with PDF, JSON and CSV distributions at https://www.paybyrd.com/pricing/scheme-fees.json and https://www.paybyrd.com/pricing/scheme-fees.csv. A sitemap with hreflang alternates lives at [/sitemap.xml](https://www.paybyrd.com/sitemap.xml).