Paypercut review: one checkout for cards, wallets and BNPL across Europe. Pay-as-you-go pricing from 0.99% + CZK 1.25, with no monthly fees.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
Paypercut is an online payments platform for businesses selling in Europe. It brings cards, digital wallets and several Buy Now, Pay Later options into one checkout, so merchants do not have to manage a separate provider, contract and dashboard for each payment method.
The company describes itself as European and focused on making online payments simpler where regulations, customer expectations and payment methods differ by country. Paypercut EOOD provides the technical platform, while regulated payment and e-money services come from authorised partners such as Paynetics AD and Adyen NV.
A merchant signs up online, completes digital KYC verification and adds the bank account it already uses. It then chooses how to accept payments: a checkout page, embedded checkout, payment link, QR code or plugin. A sandbox and dashboard are available while verification is processed.
Payments are processed on the Paypercut platform, which applies local rules, currencies and payment flows. Funds are paid out to the merchant's own bank account in local currency. For BNPL, Paypercut pays the merchant upfront and aggregates several providers behind one integration.
The platform has four product areas. Online checkout covers hosted and embedded checkout, e-commerce plugins and express checkout with Apple Pay and Google Pay. Payment links and QR codes let merchants collect money without a website. Billing and payouts handle subscriptions, recurring and split payments and pre-authorisations.
The fourth area is the BNPL aggregator. Security features include PCI-DSS infrastructure, end-to-end encryption and PSD2-compliant strong customer authentication. Supported currencies include EUR, RON, GBP, USD, CHF, CZK, HUF and PLN, with local formatting and local settlement in selected markets.
Paypercut is an online payments platform for European merchants. It offers checkout, payment links, QR codes, billing and payouts, and a BNPL aggregator through one integration.
Pricing is pay-as-you-go. EEA consumer Visa and Mastercard cards cost 1.29% + EUR 0.10 in most markets, other cards cost 2.69% + EUR 0.10, and BNPL costs 5% per approved transaction. Czech and Polish rates differ and are listed on the pricing page.
No. The site lists no activation fees, monthly minimums, subscription charges, or maintenance and support fees. A fixed EUR 20 fee applies per chargeback.
Yes. Its BNPL aggregator provides several providers through one integration. Merchants are paid upfront and pay a flat 5% on approved BNPL transactions only.
No. Payouts are sent directly to an existing business bank account, so you do not need to open or maintain a separate account with Paypercut.
Onboarding is fully digital, with online KYC and no paperwork. The site says merchants can be verified within days and can test payments in a sandbox while verification is processed.
The site lists EUR, RON, GBP, USD, CHF, CZK, HUF and PLN, and elsewhere cites 12+ supported currencies. Payouts stay in the merchant's local currency.
Paypercut EOOD is a SaaS company providing the technical platform. Regulated payment and e-money services are provided by authorised partners, including Paynetics AD and Adyen NV.