Accept Satispay payments with Checky Pro

The independent wallet: funded straight from the bank account, with no card network anywhere in the transaction. Italian by origin, and now usable across the EEA.

See all 24 methods

New here? Checky Pro is the payments & checkout platform for modern e-commerce — Satispay is one of the 21 payment methods you can switch on today.

What is Satispay?

Satispay is the Italian wallet that deliberately built around the card networks rather than on top of them. A user links their bank account — an IBAN, not a card — and pays from a small balance the app tops up. No card number is ever created, which is why it can charge merchants less than a card-based wallet has to.

It grew without the banks rather than through them: the same phone as a banking app, but an entirely independent route to market. Millions of Italians use it daily for coffee, groceries and online orders, and its growth has stayed steep — the appeal being an app that is genuinely independent of Visa and Mastercard.

Italy is still where almost all of that volume sits, but the wallet itself is no longer limited to it: a Satispay account works across the European Economic Area, plus Switzerland and the United Kingdom. So switching it on does not only serve Italian shoppers — it serves anyone who has chosen the app, wherever they happen to live.

Online the flow gives the customer a choice: scan a QR code with the app, or type their mobile number and get the request pushed to them. Either way they confirm in the app. There is no card scheme behind the payment, so a completed Satispay payment is an account-to-account transfer — and there is no chargeback procedure attached to it.

What Satispay can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Wallet — bank account funded
Channel: Online
Consumer countries: The EEA, Switzerland and the United KingdomUsable anywhere in that area, though Italy is where nearly all Satispay volume sits.
Available for: Companies in the EU, UK & US

Your company is registered in

Pricing & settlement

Processing fee: 2,95% + € 0,40
Authorization fee: NoneThe € 0,40 is part of the price above — no separate fee per attempt.
Currency conversion: NoneThe customer pays in the currency of the method, and so are you paid out.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Not supported.Satispay is a one-off push payment — use cards for subscriptions.
3-D Secure: Not supported.Not needed — the customer approves in the Satispay app.
Express wallet buttons: Not supported.Wallet buttons run on cards.
Multi-acquirer routing: Not supported.Satispay runs on a single acquiring route.
Chargebacks: Not supported.No card network is involved, so there is no chargeback procedure.
Chargeback alerts: Not supported.Not applicable — Satispay has no chargebacks.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why Satispay, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

No card network involved

The money comes from a bank account, not a card. That means no card number in your checkout and no chargeback procedure after it.

QR or phone number

The customer scans with the app or types their mobile number — whichever suits the device they are on.

A daily habit that travels

Millions of Italians use it for everyday purchases, and the account keeps working across the EEA — so it reaches your Italian customers wherever they are ordering from.

One balance across markets

Italian payments land in the same balance and payout schedule as everything else.

Offer it next to cards

Satispay reaches the Italian shoppers who keep their cards out of online checkouts. One more switch in the same dashboard.

Judged on your store

We look at what you actually sell and how you fulfil it, not at a risk score.

How a Satispay payment works

From click to balance — what your customer sees, and what happens behind it.

1
Picks Satispay at checkout
One click in your checkout — no card number, no account to create.
2
Scans the QR or gives their number
On a desktop they scan with the app; on a phone they enter their mobile number and get the request pushed.
3
Confirms in the Satispay app
They approve the amount in the app, and the money moves from their linked bank account.
4
Back in your store, confirmed
The customer returns to your confirmation page and the order can go to fulfilment.
5
Settled to your balance
Added to your Checky Pro balance and paid out in 3–7 business days.

Satispay, answered

Still something open? The team answers on WhatsApp, usually the same day.

Is Satispay a card wallet like Apple Pay?

No, and that is the point. Apple Pay presents a card; Satispay is linked to a bank account and moves money directly, with no card network in between.

What does a Satispay payment cost?

For a company in the EU: 2,95% plus € 0,40 per transaction, with no authorization fee and no currency conversion, because Satispay is paid in euros. Rates differ per region, and outside the EU the euros are converted into your payout currency — switch the region above the pricing table on this page to see yours.

Can a Satispay payment be charged back?

No. There is no card scheme behind it, so there is no chargeback procedure and no dispute fee. A refund is something you issue yourself.

Is Satispay only for Italian customers?

That is where nearly all the volume is, but the wallet works across the EEA, Switzerland and the UK. Anyone who has the app can pay with it, wherever they are ordering from.

Can I offer Satispay as a sole proprietorship?

Yes. Your company form no longer decides which payment methods you can offer: a sole proprietorship gets the same methods as an incorporated company. What counts is where your business is registered — the “Available for” row above shows the regions that can offer Satispay, and the payment methods page has the full coverage.