Accepting Skip Pay as a merchant
Skip Pay is a Czech buy now, pay later provider, run by Skip Pay s.r.o. in Prague and backed by ČSOB. It sells two products at checkout: deferred payment, where the shopper pays within 30 days, and Nákup na Třetinu, where the shopper pays in three parts. Skip Pay pays the merchant the full amount of an approved order and takes the risk of non-payment. It states that over 38,000 e-shops and over 130,000 active users work with it. Skip Pay sets deferred payment against cash on delivery rather than against the card, and that is the comparison that sets its value for a Czech merchant.
Published prices for Skip PayPer provider, country and channel, further down this pageGo to the pricesHow to accept Skip Pay as a merchant
You can contract Skip Pay directly and connect it through its API, through add-ons for Czech shop platforms such as Shoptet, Fastcentrik and eBrana, or through open-source modules for PrestaShop, WooCommerce and Magento. Skip Pay states that its price is set individually, based on the size of the merchant.
Or you take it through your payment gateway. Skip Pay names the ČSOB payment gateway, Comgate, TrustPay, now Finby, and GoPay, now part of Worldline. Skip Pay approves how the method looks in your checkout before it goes live.
Model
Skip Pay lends to the shopper and pays you the order
Skip Pay's terms describe deferred payment as a one-off, free, tied credit that is drawn exclusively to the seller's account. Skip Pay assesses the shopper's risk to decide how much it lends, and there is no legal entitlement to the credit. The shopper repays Skip Pay in one instalment, due on the 30th day after the seller dispatches the goods. Skip Pay's developer documentation adds that, depending on account level, the shopper has 30 or 50 days.
Nákup na Třetinu works differently. The first third is paid at purchase by payment card, and the second and third are due within 30 and 60 days of purchase. So a pay in three order contains a card payment as well as a credit.
For the merchant the model is simple on paper. Skip Pay states that it pays 100% of approved orders and takes the risk of non-payment. The terms name the trade licensing office and the Czech Trade Inspection Authority as the bodies that supervise it.
Where Skip Pay is used and sold
Skip Pay is a Czech product. It also runs a Slovak site, which offers Nákup na Třetinu and lists Slovak and Czech e-shops, and Comgate publishes a separate Skip Pay rate for pay in three in Slovakia. Skip Pay's API accepts amounts in CZK, EUR and HUF.
Skip Pay is sold as an online method. It also issues a Skip Pay card that the shopper can use elsewhere, but a shopper paying with that card in a shop is a card payment, and you simply accept a card.
Pricing
Skip Pay prices individually, a gateway prints two rates for one brand
Skip Pay does not publish a merchant rate. It states that its fees for deferred payment are more favourable than the fees for a standard card payment.
Comgate prints the rates for its own route, partly in lines that cover Skip Pay together with other providers. On the Profi tariff for Czech merchants, deferred payment through Twisto, Skip Pay and PlatímPak costs 0.4% and pay in three through Twisto, Skip Pay and ESSOX 1.9%, against 0.67% plus 1 koruna for EU consumer cards after the introductory offer. Pay in three through Skip Pay for Slovakia costs 3.3%. The Start tariff charges 1% for both of those Czech lines, and the Profi tariff carries a monthly fee of 100 koruna, waived above 100,000 koruna of monthly volume.
On an order worth 100 euro that is 0.40 euro for deferred payment, 1.90 euro for pay in three in Czechia, 3.30 euro for pay in three in Slovakia, and 0.67 euro plus 1 koruna for a card. These are published list prices and the comparison is illustrative; your quoted rate decides what you actually pay. The point is that one brand carries two prices almost five times apart, and which product your shoppers choose decides which one you pay.
Benchmark
Skip Pay competes with cash on delivery, not with the card
Skip Pay presents deferred payment as a free alternative to cash on delivery, and tells shoppers that paying within 30 days saves them the cash on delivery fee. For a Czech merchant that is the comparison to price. Cash on delivery carries a carrier charge per parcel, money that arrives only when the carrier remits it, and parcels that are refused at the door.
Take 2 million euro of online turnover in Czechia, an average order of 40 euro, so 50,000 orders, of which 10,000 are paid on delivery. Assume an illustrative carrier charge of 1 euro per cash on delivery parcel. If 2,000 of those orders move to Skip Pay's deferred payment, their value is 80,000 euro. At Comgate's published 0.4% that costs 320 euro, against 2,000 euro of cash on delivery charges, a difference of 1,680 euro a year before refused parcels are counted.
The same 2,000 orders in pay in three at 1.9% would cost 1,520 euro, and by card 536 euro plus 2,000 koruna. Shoppers that Skip Pay declines stay on cash on delivery. The rates are published list prices and the comparison is illustrative; your quoted rate decides what you actually pay. Your own figures for carrier charges, refusal rate and Skip Pay's approval rate decide the outcome, and all three are in your data.
Contract
On a return, the refund runs from you to Skip Pay
Skip Pay's terms state that the credit lapses when the purchase is returned, but the shopper still owes the amount drawn. If the seller returns that amount to Skip Pay on the shopper's behalf, the shopper's obligation is met, and Skip Pay can move the due date to give the seller time to send it. Late payment carries a contractual penalty of 0.1% of the amount due per day and charged reminders.
The clock is tied to your order status as well. Deferred payment falls due 30 days after dispatch, and Skip Pay's developer documentation states that an order marked as sent can no longer be changed or cancelled; from then a return goes through the return or refund operation. If your refund reaches Skip Pay after the due date, your customer can receive charged reminders.
Skip Pay's merchant page says you receive the full amount promptly, and its developer documentation says payment follows order confirmation. Put in writing which order status triggers the payout and within how many days, whether a return is netted against your next payout or sent separately, and how quickly Skip Pay moves the shopper's due date once you report a return.
Limits decide which baskets Skip Pay can carry
Skip Pay's terms set the first deferred payment at a maximum of 5,000 CZK, later purchases at up to 10,000 CZK each and a total of 50,000 CZK a year. Pay in three runs from 1,000 to 60,000 CZK, and up to 100,000 CZK at selected e-shops. So deferred payment covers small and medium baskets and pay in three the larger ones, and the split of your order values sets how much of your turnover can reach each product.
Skip Pay also sets rules for the checkout: both services carry the Skip Pay logo, no smaller than the logos of other payment methods, and the principle of deferred payment is explained on the payment selection page. Directive (EU) 2023/2225 applies from 20 November 2026 and brings more short-term deferred payment within consumer credit rules. Ask Skip Pay in writing whether its limits or acceptance will change from that date.
Which payment providers support Skip Pay
In the index, Comgate, Finby and Worldline offer Skip Pay to merchants. Skip Pay also names the ČSOB payment gateway, and you can contract Skip Pay directly.
The questions to put to each are the same: the rate for deferred payment and for pay in three separately, the monthly fee and the volume that waives it, which order status triggers the payout, and how a return is settled with Skip Pay.
Retail Payment Methods Transparency Index
Published prices for Skip Pay, per provider
3 providers in the index offer Skip Pay to merchants established in Europe, and one of them publishes a price.
Each rate is shown as the provider prints it, and the provider's name links to the page it was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell. Shoppers pay with Skip Pay in: Czechia.
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| Comgate Merchants in Czechia | Czech shoppers, deferred payment (Twisto, Skip Pay, PlatímPak): Start 1% + CZK 0, Easy 1% + CZK 0, Profi 0.40% + CZK 0; Czech shoppers, three instalments (Twisto, Skip Pay, ESSOX): Start 1% + CZK 0, Easy 1% + CZK 0, Profi 1.90% + CZK 0; Slovak shoppers, three instalments (Skip Pay): Profi 3.30% + EUR 0; monthly service fee: Start free; Easy and Profi free or CZK 100 (free above CZK 100,000 monthly volume and for every further e-shop)Percentage, tiered, plus subscription | Online |
| Comgate Merchants in Slovakia | Slovak shoppers, three instalments (Skip Pay): Profi 3.30% + EUR 0; Czech shoppers, deferred payment (Twisto, Skip Pay, PlatímPak): Start 1% + CZK 0, Easy 1% + EUR 0, Profi 0.40% + CZK 0; three instalments (Twisto, Skip Pay, ESSOX): Start 1% + CZK 0, Easy 1% + EUR 0, Profi 1.90% + CZK 0; monthly service fee: Start free; Easy and Profi free or EUR 4 (free above EUR 4,000 monthly volume and for every further e-shop)Percentage, tiered, plus subscription | Online |
| Finby (formerly TrustPay) Merchants anywhere in the EU | No price published | Online |
| Worldline Merchants in Czechia | GoPay: No price published | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 29 September 2026 and 13 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what Skip Pay costs you
What you pay for Skip Pay is set in your agreement, with Skip Pay or with your gateway, not by a scheme. Start by establishing whether you are overpaying your PSP, and if Skip Pay carries a material share of your Czech volume, price it against cash on delivery as well as against the card before you renew.
Relevant markets: Czech Republic, Slovakia
Payment set-up check
Selling to shoppers in Czechia? Let's check what Skip Pay adds to your PSP costs.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
