Citizen PaySEPA-based • Direct to bank • Built in Europe
Keepwhatyouearn.
Bank-to-bank payments with a flat fee. No percentages. No card networks. Your money, direct to your account.
Bank-to-bank. No card network.
1
Enter amount on terminal
2
Customer scans QR code
3
Money arrives in your bank
Open bankingBank-to-bankNo card networkInstant confirmation
Flat fee per transaction. No percentages. No monthly fees. No hidden costs.
Built for merchants.
Predictable costs
Flat fee per transaction. No percentage, no surprises.
Instant settlement
Money in your account the moment the customer pays.
No lock-in
No contract. No commitment. Cancel anytime.
Works alongside cards
Keep your existing terminal. Add Citizen Pay as a better option.
Better for customers too.
Trusted by merchants.
€0k+
€150k+ processed
0+
15+ merchants onboarded
Transparent pricing.
Flat fee per transaction
No percentages
No setup fees
No subscription
Card terminal
0.8–2%
per transaction
Citizen Pay
Flat fee
per transaction
Stop paying card fees.
Get started in minutes. No contract, no setup fee.