PAYONE review
A configurable payment gateway for European commerce, from hosted checkout to API integrations.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PAYONE provides payment processing and merchant services for retailers, marketplaces and enterprise businesses. Its ecommerce offering suits European businesses that need a choice of hosted checkout, API integration or commerce-platform plugins. Payment links and QR-code creation also give merchants another way to collect payments beyond a shop checkout. The platform extends to in-person payments through terminals and point-of-sale solutions.
Integration options cover platforms including Shopware 6, Magento 2, WooCommerce, Shopify, Salesforce Commerce Cloud, SAP Commerce Cloud and PrestaShop, as well as a server-to-server REST API and client and server SDKs. Hosted checkout can redirect customers or use a single-payment-button mode; hosted tokenization supports embedded card checkout. The feature set includes recurring payments, subscription management, card-on-file tokenization, authorization, capture, cancellation and refunds. Marketplace split payments and escrow-secured payouts make PAYONE relevant to multi-party commerce, not just single-merchant checkout.
According to the vendor's published E-Com plans, Starter has no monthly base fee but includes an initial fee and transaction charges. Pro adds a monthly base fee and lists transaction pricing starting from a per-transaction charge plus a discount rate. Individual pricing uses individual fees and includes access to all PAYONE payment methods and additional services. Supported payment methods include major card brands, PayPal, SEPA direct debit and region-specific options such as iDEAL, eps and Bancontact; availability can vary by region and account settings. PAYONE is a strong fit for merchants seeking multiple integration paths and recurring or marketplace payment flows. Businesses seeking a simple, uniform fee structure should compare the applicable plan and payment methods before choosing it.
PAYONE pros and cons
- Where it wins
- Hosted checkout, tokenization and server-to-server API options
- Recurring payments, refunds and 3-D Secure support
- Commerce plugins plus marketplace splits and escrow-secured payouts
- Where it doesn't
- E-Com Starter still has an initial fee and per-transaction charges
- Pro adds a monthly base fee alongside transaction charges
- Individual pricing requires an individual fee arrangement
PAYONE fact sheet, pricing and score →
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