Satispay
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free Trial unavailable
Free version
Small
Medium
Large
- Accommodation and food services
- Retail and wholesale
- Arts, entertainment, and recreation
What is Satispay
Satispay is a mobile payment platform that supports consumer-to-merchant payments and peer-to-peer transfers, with a focus on everyday in-store and online transactions. It targets consumers and small to mid-sized merchants that want an app-based alternative to card payments for low-value purchases. The service typically uses bank account linkage (rather than card rails) and provides merchant tools for accepting payments via QR code and online checkout integrations. Availability and feature coverage vary by country and banking connectivity.
App-based merchant acceptance
Merchants can accept payments through a consumer mobile app flow, commonly using QR codes for in-person checkout. This can reduce reliance on card-present hardware for certain use cases. It fits small retail and hospitality scenarios where fast, low-friction acceptance matters. The approach is distinct from platforms that bundle payments primarily inside broader CRM or scheduling suites.
Bank-account-linked payment flow
Satispay typically connects to users’ bank accounts, enabling transfers and purchases without requiring a card for every transaction. This can be useful for customers who prefer bank-based payments and for merchants seeking an alternative tender type. It also supports peer-to-peer transfers, which can help drive consumer adoption. The model differs from providers that focus mainly on card acquiring and card tokenization.
Consumer and P2P network effects
The product combines merchant payments with person-to-person transfers, which can encourage repeat usage within local communities. Merchants may benefit when customers already use the app for P2P and can pay in-store with the same wallet. This dual-sided use case is less common among business tools that treat payments as a back-office feature. It can be a practical fit for local commerce where both sides adopt the same app.
Geographic coverage constraints
Satispay’s availability is concentrated in specific European markets, and functionality can differ by country. Businesses operating internationally may need additional payment providers to cover unsupported regions. This can add operational complexity for multi-country rollouts. Some alternatives in the space offer broader global acquiring footprints.
Not a full payment stack
Compared with payment platforms that provide extensive developer APIs, orchestration, and multi-PSP routing, Satispay is more focused on its own wallet-based acceptance. Complex enterprise needs such as advanced payment optimization, granular risk tooling, or multi-entity settlement may require supplementary systems. Larger merchants may also need deeper reporting and reconciliation integrations. Fit depends on how central payments are to the business’s platform architecture.
Adoption depends on consumers
Merchant value depends partly on local consumer adoption of the Satispay app. In areas where customers primarily use cards or other wallets, usage may be limited even if the merchant enables it. This can make ROI harder to predict for some merchants. Businesses may need to maintain multiple tender types to avoid checkout friction.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Satispay (Basic - consumer) | Free | Consumer app with no monthly fee. Some actions may incur fees (see notes). |
| Satispay Plus (consumer upgrade) | €3.99 per month or €39.99 per year | Adds 5 free instant recharges/month, waives fees on first 5 payments exceeding availability (>€2), +40% points, prioritized support. Available in Italy and Luxembourg. |
Usage-based (merchant / payment processing): Pricing model: Pay-as-you-go Free tier/trial: No time-limited trial stated on official pages; registration has no recurring fee. Example costs (official):
- Points of sale & activities in motion (e.g., taxi, vendors without fixed location): 1% per transaction.
- Vending machines (smart & traditional): 1% per transaction.
- Ecommerce (web/app/social): payments < €10: 1.50% per transaction; payments ≥ €10: 1.50% + €0.20 per transaction.
- Tabacchi and edicole (physical points of sale): 0.5% per transaction (special condition for physical stores).
Other merchant notes:
- No fixed monthly fees, no sign-up cost, deposits to merchant bank account are free, cancellation is free.
- Cashback service may have commission per agreement; merchants with >5 shops should contact business@satispay.com for dedicated promotions/fees.
Consumer-specific fees (official):
- Instant availability recharge: €1 per instant recharge (some recharges free depending on budget option). Satispay Plus offers 5 free instant recharges/month.
- Payment when availability insufficient: €0.25 per occurrence if the missing amount is > €2 (Satispay Plus may waive on first 5 monthly occurrences).
- SEPA bank transfers (send/receive) listed as free (may be subject to third-party interbank charges).
Seller details
Satispay S.p.A.
Milan, Italy
2013
Private
https://www.satispay.com/
https://x.com/satispay
https://www.linkedin.com/company/satispay/
