Your checkout should not need three companies behind it.
Most online businesses still piece together a gateway, a processor, and a merchant account. Paynovate brings acceptance, processing, and settlement together, so you can run payments through one provider instead of managing three.
Two ways to integrate.
Go live fast with a hosted checkout, or build the payment flow more directly through the API.
Direct API
Build the payment flow more directly when your team wants full control over the checkout experience.
const paynovate = require('paynovate')('sk_live_xxxxxxxxxxxxxxxx');
const payment = await paynovate.payments.create({
amount: 89900,
currency: 'EUR',
method: 'card',
card: {
number: '4242 4242 4242 4242',
exp: '02/34',
cvc: '392'
},
metadata: {
product: 'Braun T3 Radio',
customer: 'cust_8f3k29d'
}
});
// Response
{
id: 'pay_1a2b3c4d5e6f',
status: 'succeeded',
amount: 89900,
currency: 'EUR',
method: 'card',
card: { last4: '4242', brand: 'visa' },
created: '2026-04-09T10:30:00Z'
}
<!-- Paynovate Checkout -->
<div id="paynovate-checkout"></div>
<script src="https://js.paynovate.com/v1/checkout.js"></script>
<script>
const checkout = Paynovate.create({
publicKey: 'pk_live_xxxxxxxxxxxxxxxx',
amount: 89900,
currency: 'EUR',
Paynovate-hosted checkout
Launch faster with a hosted payment page that reduces PCI scope and gets you live with less implementation overhead.
Broad card acceptance, without the fragmented setup.
Accept Visa, Mastercard and Maestro, through one setup, without needing to piece together separate acceptance paths market by market.
Pricing shaped around your business model.
Your pricing is shaped around your model, volumes, and sector. We quote each setup individually and give you a clear number upfront.
The online businesses we usually work with.
Registered businesses with legal activity, especially when the payment setup is more complex than most providers want to handle.
E-commerce
Online businesses that need reliable card acceptance, clear settlement and room to scale.
Luxury
Higher-ticket businesses where payment experience, acceptance quality and conversion matter.
Compliance-intensive
Businesses in higher-risk sectors that need reliable acceptance, clear settlement and strong compliance controls.
Built for real-world operations.
Live within days.
Onboarding checks are completed at the start, with periodic refreshes typically once a year. Most clients are live within days, depending on business structure and documentation.
One license.
Broad coverage.
Licensed in Belgium, with passporting rights across the 30 countries of the European Economic Area.
Support that knows your setup.
A dedicated account team that understands your structure, workflows, and operational needs, with support designed for businesses that do not fit a standard template.
Build ecommerce payment flows with Paynovate’s gateway.
Use hosted, direct or batch integrations to accept online card payments, manage checkout redirects and callbacks, and connect transaction responses to your backend order systems. Add 3-D Secure authentication where supported for extra fraud prevention.
Things worth noting.
Answers to the practical questions businesses ask before setting up online acquiring with Paynovate.
What card schemes are supported?
Visa, Mastercard, and Maestro are supported, along with UnionPay.
Do I need a separate merchant account?
No. Payments run through your existing provider setup or your Paynovate account, depending on how you are onboarded.
What currencies can I accept?
You can accept payments in all major currencies worldwide. Transactions are automatically converted and settled in EUR, so funds arrive in a single currency without extra operational steps.
Can I accept UnionPay?
Yes. If you sell into markets where UnionPay is widely used, that support is already available.
What are my integration options?
You can integrate through a hosted payment solution or direct API, depending on your setup and requirements.
How long does it take to go live?
Once onboarding is complete, most hosted integrations are live within hours. API timelines depend on your development work.
Do you support 3DS authentication?
Once onboarding is complete, most hosted integrations are live within hours. API timelines depend on your development work.
Can I operate across multiple countries from one account?
Yes. Your setup is not tied to a single market. If you sell across Europe or beyond, the same account can support it.
My business was declined elsewhere. Can you help?
Tell us what you do. If your business is registered and your activity is legal, it is worth the conversation. We work with businesses in sectors others often find too complicated.
How does pricing work?
Every setup is quoted individually, based on volumes, average ticket size, and sector. You get a clear number upfront.
Is there a minimum volume requirement?
Get in touch. What matters most is understanding your model, not forcing every business through the same threshold.
Can customers pay using digital wallets like Apple Pay or Google Pay?
Google Pay is supported and available. Apple Pay is not yet available, but it is planned for the near future.