Paybyrd

Paybyrd is a payment platform for online checkout, in-person point-of-sale terminals, and payment links. It supports more than 20 payment methods, 192+ currencies, and 40+ countries. Online checkout can be hosted or white-label, while its POS terminals are listed from €11/mo. Paybyrd says its multi-acquirer routing directs transactions to an acquirer likely to approve them. Integrations include WooCommerce, Magento, Shopify, PrestaShop, SAP, Oracle, and Host PMS. Developers can use a REST API, SDKs, pre-built plugins, webhooks, and a free sandbox. Paybyrd states that it is PCI DSS Level 1 certified and includes 3-D Secure 2.x in remote card flows; its security page says ISO/IEC 27001 certification is in progress and its SOC 2 Type II report is in preparation. The Essential plan has no monthly fee and charges per online card transaction. Its online card rate drops to 0.99% at €80K monthly volume. Fees are in EUR, excluding applicable taxes.

Paybyrd combines online and in-person payment options with developer tools and listed integrations. Review transaction fees and the security certification status alongside the features relevant to your business.

Paybyrd presents its services for airlines, retail, hospitality, restaurants, marketplaces, and transport businesses. It may suit businesses needing online and in-person payment options or developers integrating payments through an API.

Paybyrd brings online checkout, payment links and in-person payments together for businesses selling across channels. It is best suited to retailers, restaurants, hospitality operators and other businesses that need payment tools they can connect to their own systems. Its range is compelling, but the transaction fees and €80K monthly Essential limit make expected volume central to the choice.

Overview

Paybyrd combines online and card-present payments in one platform, with hosted and white-label checkout, payment links and POS terminals. Support for tableside and mobile payments, reconciliation tools and a broad integration lineup extends its reach beyond basic payment acceptance. That breadth should appeal to businesses with several sales channels; a single-channel operation may have less reason to take on a platform with this many moving parts.

Key features

The platform supports more than 20 payment methods, 192+ currencies and 40+ countries. That reach is useful to businesses selling internationally or serving customers who pay through different methods. Online options include hosted and white-label checkout as well as payment links, while POS terminals cover in-person transactions. Paybyrd lists terminal pricing from €11/mo, an additional cost to weigh for businesses setting up physical checkout.

Multi-acquirer smart routing directs transactions toward an acquirer Paybyrd considers more likely to approve them. It gives businesses a way to manage routing across acquirers, but should not be treated as a promised approval rate. Reconciliation tools support the work of matching payments after the sale.

Integrations include WooCommerce, Magento, Shopify, PrestaShop, SAP, Oracle and Host PMS. Developers can use a REST API, webhooks, SDKs, pre-built plugins and a free sandbox. This combination gives technical teams several paths to connect existing systems or build payment flows; businesses that do not need custom connections may not benefit as much from the developer offering.

Paybyrd states that it is PCI DSS Level 1 certified and includes 3-D Secure 2.x in remote card flows. Its ISO/IEC 27001 certification is in progress, and its SOC 2 Type II report is in preparation. A payment engineer replies within one business day, usually faster, a concrete support commitment for businesses that need help with payment operations.

Pricing

The Essential plan has no monthly fee and charges per online card transaction. It covers up to €80K / month; the online card rate drops to 0.99% at €80K monthly volume. Alternative payment methods start at €0.20, and chargebacks cost €7.50 each. Fees are in EUR and exclude applicable taxes. The lack of a subscription fee lowers the fixed-cost hurdle, but transaction charges, APM costs and chargeback fees still matter as volume grows.

Custom pricing is quoted for businesses at €500K+/mo. It scales down with volume and includes volume tiers, a dedicated account manager, priority support and a 99.999% SLA with credits. This tier is aimed at higher-volume operations that value service commitments and account support; the quote-based structure means costs need to be assessed against a business’s own transaction profile.

Paybyrd’s pricing model is paid, not a free plan. Businesses should account for applicable taxes and terminal pricing alongside transaction charges when comparing total costs.

Platforms

Paybyrd supports Android, iOS, web and API access, covering mobile use, browser-based operations and technical integration.

Who it's for

The platform presents solutions for airlines, retail, hospitality, restaurants, marketplaces and transport businesses. It is most persuasive for operators taking payments both online and in person, or those needing multiple payment methods, international coverage and connections to commerce or enterprise systems. Smaller businesses with limited payment needs should compare the transaction economics and avoid paying for operational breadth they will not use.

Pros and cons

• Pros: Online checkout, payment links, POS, tableside and mobile payments cover varied sales settings.
• Pros: Support for 20+ payment methods, 192+ currencies and 40+ countries suits businesses serving diverse markets.
• Pros: A REST API, SDKs, plugins, webhooks and sandbox give technical teams practical integration options.
• Cons: Essential is capped at €80K / month, with transaction, APM and chargeback fees to budget for.
• Cons: ISO/IEC 27001 certification remains in progress, while the SOC 2 Type II report is still in preparation.
• Cons: Custom pricing requires a quote, making costs less straightforward to compare for high-volume businesses.

Alternatives

For restaurant operators comparing payment platforms, browse Restaurant Payment Processing Software. Businesses building a marketplace should also compare Marketplace Payment Platforms.

Choose Dojo if its free plan and free trial, plus an Essential plan with core tools, major card types, real-time transactions and PCI-compliance support, better fit your needs.

SpotOn Payment Processing may suit a business looking for a free POS software and hardware package with ordering, payments, table layouts and menu management, subject to processing minimums and a minimum two-year term.

DISH Payment Solutions is another paid option, with a listed V400c Plus rental at €1,090 a month on a 60-month rental, excluding VAT, with a TRS fee included and transaction fees beginning at 1,89% depending on card type.

Heartland Retail is worth comparing if a retail POS with a starting price of $89 a month better matches the purchasing decision.

PayFacto is an alternative for businesses seeking customized payment solutions with pricing requested from sales.

qlub may suit UAE diners interested in its qlub+ membership at 15 AED a month, which offers discounts at participating restaurants and can be canceled anytime.

Consider Lightspeed Restaurant if a restaurant POS with a $69 a month Starter plan, menu management, floor plans, offline mode and 24/7 support is a closer fit.

Shift4 Payments is another paid option to compare.

Verdict

Paybyrd is a strong fit for businesses that need online and in-person payment acceptance, broad international coverage and developer-friendly integration options in one platform. Its main reason to choose it is that cross-channel scope; its main reasons to look elsewhere are the Essential volume ceiling and fee structure, or the need for a security certification status beyond the PCI DSS Level 1 claim.