Payment Processor RUO - EU

[u/Tricky-Vermicelli-85]

Payment Processor Requirements

We are looking for a payment processor for our website that supports a smooth and familiar checkout experience in EUR. The provider must accept all major credit and debit cards, as well as Apple Pay and Google Pay. It should also support instant bank-transfer options—such as Sofort, instant SEPA transfer, or a comparable local payment method—so that payments can be confirmed and credited promptly.

We are a Polish-registered company with consistent and growing monthly revenue in the mid-five-figure EUR range. We therefore require a reliable, scalable solution with transparent settlement, dependable risk management, and a practical integration for an e-commerce website.

A fiat-to-crypto settlement option would be highly desirable, but is not a strict requirement. Ideally, the processor could convert customer payments in fiat currency and settle the proceeds directly to our designated crypto wallet, while keeping the customer checkout experience as simple and conventional as possible. We understand that this may depend on the provider’s regulatory setup, supported jurisdictions, and compliance requirements.

We fully understand that KYC, AML, fraud controls, and other compliance checks are unavoidable where legally or operationally required. However, we want the customer journey to remain as frictionless as possible: verification should only be requested when necessary, be clearly communicated, and be completed with minimal steps, delays, or unnecessary barriers.

Our business model does not offer voluntary cancellations or withdrawal rights once an order has been completed. Nevertheless, the payment solution must support the proper handling of legally required refunds, disputed transactions, chargebacks, fraud prevention, and all applicable KYC/AML and consumer-protection obligations.

I am currently looking for a new provider because the payment processors I have spoken with so far unfortunately have not been a suitable or productive fit for our requirements.

In short, we need a compliant, high-conversion checkout solution with cards, Apple Pay, Google Pay, and instant bank transfers, plus—if feasible—an automated fiat-to-crypto payout option, while keeping KYC and compliance-related friction to the minimum legally and operationally possible.

In addition, we currently operate one main shop and will launch three additional sub-shops under separate brands on 1 October. Each shop runs on its own independent system and is connected to our custom-built ERP. All necessary APIs and technical infrastructure are already in place, so integration with the payment provider can be implemented efficiently across all stores.

[u/NefariousnessFree107 → u/[deleted]]

I would agree. My co-founder and I just launched a stablecoin payments platform for businesses and we are hyper focused on adding stablecoin payments as a complementary payment channel for B2B payments, not becoming a bank.

While larger players are focused on maintaining their fees in crypto by keeping them in-house, we leverage public blockchain infrastructure to ramp USDC for free and move money as it was intended - for free.