Accepting Satispay as a merchant

There are two routes. You can sign the Satispay Business terms with Satispay Europe S.A. directly, which gives you the in-store QR flows, the online integrations and Satispay's own plugins for Shopify, WooCommerce, PrestaShop, Shopware and Magento 2. Or you can switch it on through a PSP that carries it: Satispay names Stripe, Mollie, Nuvei, PPRO and Finby among the providers through which its online payments can be enabled.

The two routes put different fees on your statement. A direct contract carries Satispay's own fee. A PSP route carries the PSP's fee. Which one is cheaper depends on channel and basket, and the answer for a shop in Milan is not the answer for a webshop.

Satispay's terms admit merchants established in the European Economic Area or with a branch there, and shoppers resident in the EEA with a bank account in the SEPA area. That is the legal perimeter. The commercial one is narrower: Satispay's own website runs country versions for Italy, France and Luxembourg, and its user base is concentrated in Italy.

PSPs draw the map differently. Mollie describes Satispay as working in many countries across Europe, while Stripe lists Italy as the customer location. For a merchant outside Italy the useful number is not where Satispay can be accepted but where your own customers already hold a funded Satispay account, and only your checkout data shows that. Offer it where you see Italian shoppers first.

Satispay's business page states that all new merchants with physical stores who sign up from September 2026 receive the new terms automatically, and that existing merchants have been informed by email of how their pricing conditions are being updated. A merchant that signed earlier stays on what it signed until it acts on that email.

That is an administrative point with a cost attached. A retailer with a hundred stores that has accepted Satispay for years, on terms nobody has reviewed since, may not be on the terms new merchants now receive. Ask Satispay in writing which conditions apply to each of your store accounts, and whether the zero fee under 10 euro applies to all of them.

Satispay's developer documentation describes Automatic Payments, where the shopper authorises future charges once by scanning a QR code or confirming in the app, and Funds Lock, which reserves an amount and captures it later. The first suits subscriptions and repeat purchases, the second suits any sale where the final amount is only known afterwards.

Both carry the caveat of every stored authorisation: the shopper can withdraw consent for future charges. Treat an automatic Satispay payment as a mandate rather than a card on file, with a fallback route for the moment it is withdrawn.

What you pay for Satispay is set in your agreement, with Satispay or with your PSP, not by a scheme. Start by establishing whether you are overpaying your PSP, and where Satispay is a material share of your Italian volume, price both routes before you renew.

Relevant markets: Italy, France, Luxembourg