Low-fee instant payments,
unchallengeable.
PaySts revolutionises B2B and B2C payment collection with Open Banking technology. The customer authorises the payment directly in their bank: guaranteed, unchallengeable collection across Europe — with low collection fees for your business.
Why choose PaySts
Low collection fees and concrete advantages for your business
PaySts eliminates the complexity of traditional payments: low collection fees, guaranteed and unchallengeable payments, operating across all of Europe. The ideal affordable payment solution for businesses and SMEs.
Collected in under 10 seconds
Thanks to instant bank transfer and Open Banking technology, payment is confirmed and credited within seconds. No waiting, no uncertainty.
Low collection fees
Zero fees for payers, transparent and low fees for suppliers. PaySts offers affordable payment collection: dramatically lower fees compared to credit cards and traditional payment gateways.
Unchallengeable payments
The customer authorises payment directly in their home banking. Security is guaranteed by the credit institution: no chargebacks, no disputes possible.
Operating across Europe
PaySts operates in all 36 SEPA countries. A single circuit to collect from customers across Europe, without barriers or additional costs.
B2B and B2C
PaySts works for both business-to-business and business-to-consumer transactions. One affordable payment tool for every type of commercial relationship.
Real-time reporting
Access the status of your operations, financial commitments and reports at any time. Everything available online, drastically reducing back-office workload.
Fees invoiced monthly
Unlike credit cards and traditional gateways that deduct fees from every single transaction, PaySts invoices them on the 1st of the following month. You receive 100% of every payment and settle fees in a single monthly invoice, improving your company's cash flow.
Simple and immediate
How PaySts works
A straightforward 4-step process. The security of the operation is entirely managed by the credit institutions.
Join the circuit
The service provider only needs to complete a quick onboarding to obtain access credentials. If you already have a merchant, we will support you in integrating the new payment system.
Payment request
The supplier creates a payment request via the PaySts platform, specifying amount, reason and customer (company or individual).
Customer confirmation
The customer accesses their home banking and authorises the payment. Security is managed entirely by the customer's bank.
Unchallengeable collection
The instant collection is executed within seconds. As it is authorised by the customer in their own bank, the payment cannot be disputed.
Not just tourism
PaySts adapts to your sector
Born for the travel industry, PaySts has evolved into a multi-sector platform for any type of B2B and B2C business — all with the same low incoming payment fees.
Tourism
Tour operators, airlines, rail and maritime carriers
Energy
Oil sector, distributors, utilities
Pharmaceutical
Drug distribution, wholesalers, pharmacies
Retail & GDO
Retail, large-scale distribution, commercial chains
Insurance
Brokerage, policies, insurance premiums
Finance
Microcredit, fintech, financial services
E-Commerce
Online shops, marketplaces, B2C retail
Real Estate
Estate agencies, property managers, rentals
Hospitality
Restaurants, food chains, catering
Hotels
Hotels, resorts, B&Bs, accommodation
The comparison that matters
Low collection fees, zero chargebacks: PaySts vs traditional methods
Discover why more and more companies across Europe choose PaySts as a cost-effective alternative to expensive payment gateways.
| Feature | PaySts | Credit Card | Standard Transfer |
|---|---|---|---|
| Collection time | ✓ under 10 seconds | 2-5 business days | 1-3 business days |
| Supplier fees | ✓ Low and transparent | × 1.5% – 3.5% + fixed | Variable (bank) |
| Payer fees | ✓ Zero | × Often present | Depends on bank |
| Fee billing | ✓ Invoiced on 1st of month | × Deducted per transaction | N/A |
| Challengeable | ✓ Unchallengeable | × Chargeback risk | × Revocable |
| Bank guarantees required | ✓ Not needed | × Often required | × Often required |
| Geographic coverage | ✓ 36 SEPA countries | ✓ Global | SEPA area |
| B2B and B2C | ✓ Both | ✓ Both | ✓ Both |
| Security | ✓ Credit institutions | PCI-DSS standard | ✓ Banking standards |
Frequently Asked Questions
Everything you need to know about low collection fees
Answers to the most common questions about costs, fees and the advantages of PaySts over traditional methods.
What are the collection fees with PaySts?
PaySts applies low collection fees that are significantly lower than traditional payment circuits. For payers (end customers) the fees are zero. Costs are borne by the supplier at transparent rates, dramatically lower than credit cards (1.5%–3.5%) and traditional gateways.
How much do I save compared to a traditional payment gateway?
Credit cards and traditional gateways charge between 1.5% and 3.5% per transaction, plus monthly fixed costs and chargeback fees. PaySts offers affordable payment collection with low and transparent fees, no dispute costs and no hidden charges. For businesses with significant volumes, annual savings can be very substantial.
How do I collect B2B payments with low fees?
With PaySts the supplier creates a payment request directly from the platform. The corporate customer authorises the instant bank transfer in their home banking: no credit card, no chargebacks, low B2B collection fees. A secure and affordable B2B payment solution operating across the entire SEPA area.
Is PaySts suitable for SMEs looking for low incoming payment fees?
Yes. PaySts is the affordable payment collection solution designed for SMEs and professionals who want to collect payments without high fees. Onboarding is fast, requires no complex infrastructure, and the low collection fees make it accessible even for those managing medium or small volumes.
Is PaySts an alternative to expensive payment gateways?
Yes. PaySts was built as an alternative to expensive payment gateways. Unlike Stripe, PayPal or card circuits, PaySts uses instant bank transfer via Open Banking: low fee payment gateway equivalent, zero chargebacks, unchallengeable payments. Ideal for businesses seeking low cost payment collection without compromising on banking security.
What does unchallengeable payment mean and why is it an advantage?
An unchallengeable payment is a bank transfer authorised directly by the customer in their own bank using their credentials. Once executed, it cannot be revoked or disputed (no chargebacks). This eliminates bad debt risk, reduces dispute management costs and guarantees immediate liquidity — something no traditional gateway can offer.
Does PaySts operate only in Italy?
No. PaySts operates across all 36 SEPA countries: Italy, Germany, France, Spain, the Netherlands and all others. A single circuit for low fee B2B and B2C collections from Italian and European customers, with no additional costs for cross-border payments.
How are PaySts fees billed?
PaySts fees are invoiced on the 1st of the following month, not deducted from each individual transaction as is the case with credit cards and traditional gateways. This means every payment you receive is credited at 100% of its value: a concrete advantage for your company's cash flow, especially for businesses handling high volumes or frequent collection cycles.
In which sectors can PaySts be used?
PaySts is suitable for any sector managing B2B or B2C payments: tourism, energy, pharmaceutical, retail, e-commerce, insurance, finance, real estate, hospitality and hotels. In all these contexts, low collection fees represent a concrete competitive advantage over traditional payment methods.
Ready to reduce your collection fees?
Join companies across Europe that have chosen PaySts for low collection fees, instant and unchallengeable payments. The most affordable B2B payment solution for your business.
Contact us
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Let's talk about your project
We are available to show you how PaySts can optimise your company's payment flows across Italy and Europe, with low collection fees and no surprises.
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