Andypay
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Now live in 34 European markets

Payments that feel
effortless — and always under control.

Andypay is the complete payment platform for freelancers, online stores and digital businesses. Branded checkout, KYC onboarding, real-time fraud protection, European compliance and payouts — every piece of the money chain, in one polished product.

Start for free See the platform
  • No setup fees
  • Live in minutes
  • Cancel anytime
Total volume · last 30 days €284910 +18.4% vs previous
Live
Camille Laurent Visa ·· 4421 Low €248.00
Studio Mara Oz SEPA transfer Low €1,890.00
Jonas Frei Apple Pay Review €512.50
Payment settled Authorised in 0.4s
Fraud blocked 214 signals scored

Trusted by thousands of businesses across Europe

Northwave Brûlerie Co Atlas Studio Verdé Maison Pli Kopperline Solène
€2.4B Processed every year
99.2% Average authorisation rate
34 European markets supported
40k+ Businesses paid with Andypay
The platform

One platform for the entire payment lifecycle

From the first click on your checkout to the money landing in your bank account — every regulated, hard-to-build part is already designed, hardened and running.

Branded checkout

A checkout that looks like you — not like us

Collect payment on your own domain, in your colours, with your logo. No jarring redirect to a stranger's page. Andypay's hosted checkout converts on mobile, desktop and wallet — and is fully PSD2-ready out of the box.

  • Hosted on your domain with your branding
  • Cards, wallets and bank transfers in one flow
  • 3-D Secure and SCA handled automatically
Annual membership €129.00
[email protected]
4242 4242 4242 4242 12 / 28
Secured by Andypay
Dashboard & payouts

Your money, observable down to the cent

Balances, payouts, transactions and risk in one precise view. No spreadsheet exports, no guesswork. Schedule payouts daily, weekly or on demand — and trace every figure back to the individual payment behind it.

  • Live balance and settlement timeline
  • Automatic reconciliation on every transaction
  • Payout scheduling and multi-currency holding
Available balance €61,240.80 Next payout · tomorrow 09:00
Payouts · this week
Fraud & compliance

A risk engine that thinks in milliseconds

Every transaction is scored in real time against device, behaviour, velocity and network intelligence. Clean payments pass instantly; risky ones are held or declined before a single euro moves — and GDPR, PSD2 and SCA stay up to date automatically.

  • Hundreds of signals scored per transaction
  • Adjustable rules and review queues
  • GDPR, PSD2 and SCA kept compliant for you
Risk detail 41 ms
8/100
Cleared for capture 214 signals evaluated
  • Trusted devicePass
  • Normal velocityPass
  • Geo match confirmedPass
  • Issuer reputation healthyPass
Capabilities

Everything the money chain needs, in one place

You ship the product. Andypay runs the regulated infrastructure underneath it — from onboarding to payout.

Branded hosted checkout

A conversion-tuned payment page on your own domain, with your logo and colours. Apple Pay, Google Pay, cards and transfers — one flow, every device.

KYC onboarding

Identity verification through licensed partners — automated, paperless, usually cleared within hours.

Real-time fraud engine

Hundreds of signals scored per payment in milliseconds, so risky transactions never settle.

−63%fewer chargebacks

Real-time dashboard

Balances, payouts and risk in one precise, always-live view — no exports required.

European compliance

GDPR, PSD2, SCA and 3-D Secure stay current automatically — no audit project on your side.

Clean API & webhooks

A predictable REST API, signed webhooks and typed SDKs — automate every payment event end to end.

How it works

From sign-up to first payout in four steps

No integration project, no compliance backlog. Most businesses are accepting live payments the same day.

01

Create your account

Sign up in minutes and tell us about your business. No setup fee, no card required to start.

02

Verify your identity

Complete paperless KYC through our licensed partners — usually cleared within a few hours.

03

Launch your checkout

Drop in a payment link or connect the API. Branding, SCA and fraud scoring are on by default.

04

Get paid out

Funds settle to your Andypay balance and reach your bank on the schedule you set.

Payment methods

Let customers pay the way they prefer

One integration unlocks every major way to pay across Europe — cards, digital wallets, bank transfers and pay-later. Andypay routes each transaction for the highest chance of approval.

  • Smart routing for higher authorisation rates
  • Local methods enabled per market
  • New methods added with zero extra code
Cards Visa, Mastercard, Amex
Wallets Apple Pay, Google Pay
Bank transfers SEPA, instant transfer
Pay later Instalments at checkout
Direct debit Recurring SEPA mandates
Subscriptions Recurring billing built in
Security & compliance

Built to the standard regulators expect

Andypay operates the regulated layer so you never have to. Security is not an add-on — it is the foundation.

PCI-DSS Level 1

Card data is tokenised and handled inside our certified Level 1 environment — it never touches your servers.

End-to-end encryption

Every payment is encrypted in transit and at rest with audited key management and strict access control.

Licensed partners

Funds are held and moved by regulated, licensed payment institutions inside the European Union.

GDPR by design

Data stays in the EU, with privacy controls and retention rules built into the platform from day one.

PCI-DSS L1 PSD2 SCA ready 3-D Secure 2 GDPR ISO 27001
Use cases

Built for how you sell

Whether you invoice a handful of clients or process thousands of orders a day, Andypay fits the way you work.

Freelancers

Send a branded payment link, get paid by card or transfer, and watch funds land — without chasing invoices.

Online stores

A fast, conversion-tuned checkout with every local method — plus fraud scoring that protects your margin.

Creators

Sell memberships, downloads and subscriptions with recurring billing and instalments handled for you.

Teams

Granular roles, shared payouts and sub-accounts keep finance, ops and developers working in one place.

Pricing

Simple pricing that scales with you

A clear monthly plan plus transparent per-transaction pricing. No setup fees, no lock-in — change or cancel whenever you need.

2 months free

Solo

For freelancers taking their first online payments.

€ 0 / month
1.5% + €0.25 per transaction Start for free
  • Branded checkout & payment links
  • Real-time fraud engine included
  • Live dashboard & payouts
  • Email support
Most popular

Pro

For online stores building steady monthly volume.

€ 24 / month
1.2% + €0.20 per transaction Choose Pro
  • Everything in Solo, plus:
  • Custom checkout domain & API access
  • Adjustable fraud rules & review queue
  • Signed webhooks & subscriptions
  • Priority support

Business

For digital businesses running at higher volume.

€ 79 / month
0.9% + €0.15 per transaction Choose Business
  • Everything in Pro, plus:
  • Sub-accounts & shared payouts
  • Team roles & granular permissions
  • Multi-currency holding accounts
  • Dedicated account manager

All plans include PCI-DSS Level 1 security, European compliance and a 99.99% uptime SLA. Per-transaction rates shown for EU cards.

Customer stories

Loved by the businesses it powers

From solo designers to fast-growing stores — here is what switching to Andypay changed for them.

"We moved our whole store to Andypay in an afternoon. The branded checkout lifted our conversion noticeably, and the fraud engine quietly cut chargebacks by more than half. It just works."
Élise Marchand Founder, Maison Pli
"As a freelancer I was spending hours chasing invoices. Now I send a payment link, the money arrives, and the dashboard reconciles everything. Andypay gave me my evenings back."
Théo Rivière Independent designer
"Compliance used to terrify us. With Andypay, PSD2, SCA and KYC are simply handled. We onboarded across four countries without a single audit project of our own."
Lena Köhler COO, Northwave
Why Andypay

One platform instead of a stack you stitch together

Most teams glue a payment gateway to a fraud tool, a KYC vendor and a compliance consultant — then maintain it forever. Andypay replaces that entire stack with one product, one contract and one dashboard.

Get started free
The usual stack
  • Separate gateway, fraud and KYC vendors
  • Compliance is your ongoing project
  • Reconciliation across multiple exports
  • Weeks of integration work
  • Support scattered across providers
Andypay
  • Checkout, fraud, KYC and payouts in one
  • European compliance kept current for you
  • Every figure reconciled automatically
  • Live the same day, no integration project
  • One team, one dashboard, one contract
FAQ

Questions, answered

Everything you need to know before you create your account. Still unsure? Our team is one message away.

Contact our team

Most businesses are live the same day. You create an account in minutes, complete paperless KYC — usually cleared within a few hours — and then launch a payment link or connect the API. There is no integration project and no setup fee.

There are three plans: Solo at €0/month, Pro at €24/month and Business at €79/month, each with transparent per-transaction pricing from 0.9% to 1.5%. Annual billing gives you two months free. There are no setup fees and no lock-in.

No. Funds are held and moved by regulated, licensed payment institutions inside the European Union. Andypay operates the regulated layer so you can accept payments without becoming a licensed institution yourself.

Cards (Visa, Mastercard, Amex), digital wallets (Apple Pay, Google Pay), SEPA and instant bank transfers, direct debit, pay-later instalments and recurring subscriptions. New methods are added with no extra code on your side.

Every transaction is scored in real time against hundreds of device, behaviour, velocity and network signals. Clean payments pass instantly, while risky ones are held or declined before settlement. You can tune thresholds and review queues to match your own risk appetite.

Funds settle to your Andypay balance and pay out to your bank on the schedule you choose — daily, weekly or on demand. You can hold balances in multiple currencies and trace every payout back to the transactions behind it.

Yes. Alongside no-code payment links, Andypay offers a predictable REST API, signed webhooks for every payment event and typed SDKs. You can launch a checkout with a single call or integrate the full platform into your product.

Always. There is no lock-in: upgrade, downgrade or cancel at any time from your dashboard. Your data and payout history remain available, and any export you need is one click away.

Get started today

Start taking payments the modern way.

Join more than 40,000 European businesses running their payments on Andypay. No setup fees, live in minutes, cancel anytime.

Create your account Talk to sales