PAYONE review 2026

On the PAYONE Classic plan, a girocard payment costs 0.26% plus a €0.08 transaction fee and a credit card payment 1.49% plus €0.08; on top of this come a €50 set-up fee and a monthly terminal rental fee that PAYONE does not publish. All Time Flex has no fixed costs (one-off from €19 for 24 months) and charges 0.89% for girocard and debit cards and 1.9% for credit cards – with a minimum fee of €0.15 per payment, which makes small amounts noticeably more expensive. The All Card Flat flat rate costs €29.90 to €44.90 a month depending on the included turnover; above that, a follow-on discount rate applies according to the price list. Surcharges apply for mobile terminals (€3/month) and SIM cards. For Tap on Mobile, PAYONE states a weekly payout (on Mondays); the payout cycle for the terminal plans is not publicly stated.

girocard, Visa, Mastercard, Maestro and V PAY are accepted; according to PAYONE, American Express depends on the device and the individual contract. Contactless payment including Apple Pay, Google Pay and Samsung Pay is standard. For online sales there are payment links (also as QR codes), e-commerce packages and a MOTO solution for phone and mail orders. Alternative methods such as Alipay or WeChat Pay are not listed for the terminals; dynamic currency conversion (DCC) is included.

The terminals run on Android with a touchscreen and built-in receipt printer, either stationary via LAN or mobile via Wi-Fi or LTE SIM. PAYONE supplies a device of at least equivalent quality in the chosen class, so a specific model is not guaranteed; on the Flex plan the devices are refurbished. Set-up is free and the device arrives preconfigured with instructions. If you do not want any hardware, you can use Tap on Mobile on your own smartphone (Android 11 or iOS 16.4 and later).

The online customer portal provides reports and invoices; digital receipt management is included depending on the plan or costs from €12.90 a month. POS integration is a strength: all terminals support ZVT or O.P.I., and PAYONE also offers complete packages with Tillhub, helloTESS! and ready2order. Additional terminals can be booked, and Tap on Mobile allows up to five smartphones per contract. A direct accounting integration (DATEV, lexoffice, sevDesk) is not documented.

PAYONE was named "Customer Service of the Year 2026" after a ten-week mystery test; 24/7 support is included in the flat rate and optional on the other plans. The contract term is the weak point: All Card Flat runs for 36 or 60 months, All Time Flex for 24 months with three months' notice and automatic renewal for twelve months. Only Tap on Mobile can be cancelled monthly. If the business closes, immediate termination is possible with proof of trade deregistration. PAYONE is BaFin-regulated and PCI DSS compliant.