Introduction
Italy’s digital commerce market is expanding rapidly, creating demand for reliable, efficient, and locally-supported payment gateways. Selecting the right payment gateway is critical for businesses to ensure secure and efficient transaction processing, support for popular payment methods, and a user-friendly experience. This guide explores the top 10 payment gateways in Italy, helping Italian businesses make informed decisions.
1. Nexi
Overview:
Nexi is one of Italy’s leading payment processors, known for its secure platform and extensive local support. Nexi supports a variety of payment methods and offers a customizable checkout experience.
Key Features:
- Local currency support (EUR) and major credit cards
- Multi-channel support (online, in-app, and in-store)
- Advanced fraud prevention
Fees:
Pricing is typically custom, based on transaction volume and business size.
Best For:
Small to medium businesses focusing on the Italian market.
2. UniCredit PagOnline
Overview:
UniCredit, a major Italian bank, offers PagOnline for secure and seamless payment processing. It integrates smoothly with Italian e-commerce platforms and provides full local support.
Key Features:
- Supports all major credit cards and debit cards
- Multi-currency processing options
- Easy integration with Italian websites
Fees:
Fees are based on transaction volumes, with competitive rates for UniCredit account holders.
Best For:
Italian businesses with UniCredit accounts or those looking for local bank integration.
3. PayPal
Overview:
PayPal is a globally recognized payment gateway that’s also widely used in Italy. It offers secure payment processing, including support for EUR, making it an attractive option for Italian businesses.
Key Features:
- Global reach with localized support
- Fast and secure transactions
- Broad consumer recognition
Fees:
Standard PayPal transaction fees apply, with additional fees for currency conversion.
Best For:
Businesses targeting both local and international customers.
4. Stripe
Overview:
Stripe is known for its powerful API and customizable payment solutions. Although based in the US, it fully supports Italian businesses with payments in EUR and multiple integration options.
Key Features:
- Supports over 135 currencies, including EUR
- Comprehensive API for tailored payment solutions
- Advanced security and fraud prevention tools
Fees:
Stripe charges a flat-rate fee per transaction, with additional fees for international payments.
Best For:
Tech-savvy businesses with custom payment processing needs.
5. Banca Sella Gestpay
Overview:
Gestpay by Banca Sella is a trusted payment gateway in Italy. It offers excellent support for local businesses and is compatible with Italian e-commerce platforms.
Key Features:
- Extensive local support for Italian businesses
- Supports multiple currencies and payment methods
- Optimized for both desktop and mobile checkouts
Fees:
Pricing is customized based on business needs and volume.
Best For:
Small to medium-sized businesses focusing on the Italian market.
6. Adyen
Overview:
Adyen is a popular global payment processor that supports Italian businesses and provides robust multi-currency support. Known for its excellent security and flexible features, Adyen is ideal for larger businesses.
Key Features:
- Multi-channel support for online, in-store, and in-app payments
- Extensive currency support, including EUR
- Real-time analytics for business insights
Fees:
Adyen charges a processing fee and a transaction fee, with discounts for large volumes.
Best For:
Medium to large businesses with international and local customers.
7. Klarna
Overview:
Klarna is gaining popularity in Italy due to its unique “buy now, pay later” model. It’s well-suited for e-commerce businesses looking to offer flexible payment options.
Key Features:
- Flexible payment plans, including pay later and installments
- Seamless integration with popular e-commerce platforms
- Trusted by customers across Europe
Fees:
Klarna charges a fee per transaction, with rates varying by business and sales volume.
Best For:
E-commerce businesses targeting customers interested in payment flexibility.
8. MyBank
Overview:
MyBank is a European payment solution used widely in Italy, allowing customers to make real-time bank transfers for online purchases.
Key Features:
- Direct bank transfers with participating banks
- Supports EUR transactions
- Real-time transaction authorization
Fees:
Pricing depends on the business and transaction volume, with lower fees for bank account holders in Italy.
Best For:
Businesses looking to provide a secure, direct transfer option to Italian customers.
9. Satispay
Overview:
Satispay is an Italian mobile payment solution that’s popular for in-store payments and growing in online commerce. It is tailored specifically for the Italian market.
Key Features:
- Easy-to-use mobile app for seamless transactions
- No card necessary; linked directly to the bank account
- Simple integration with in-store systems
Fees:
Low fees per transaction, with discounts available for high transaction volumes.
Best For:
Local businesses, restaurants, and stores in Italy focusing on in-store transactions.
10. Mollie
Overview:
Mollie, a Netherlands-based provider, supports Italian businesses with a range of payment options and an easy integration process, making it an appealing choice for cross-border e-commerce.
Key Features:
- Over 20 payment options, including European local methods
- Transparent pricing with no hidden fees
- Excellent support for recurring payments and subscriptions
Fees:
Transaction-based fees with no setup fees.
Best For:
Businesses with European customers, especially those with recurring billing needs.
FAQs
1. Can Italian businesses use global payment gateways like Stripe and PayPal?
Yes, many global gateways like Stripe and PayPal support Italian businesses, including payments in EUR.
2. What are the main factors to consider when selecting a payment gateway in Italy?
Consider transaction fees, currency and language support, local payment preferences, and ease of integration with your website or e-commerce platform.
3. Is it essential to use a payment gateway with local currency (EUR) support?
Yes, supporting EUR is important as it avoids currency conversion fees, making payments simpler for Italian customers.
4. Do Italian payment gateways require a local bank account?
Some gateways may require a local account, particularly those affiliated with Italian banks like UniCredit or Banca Sella.
Conclusion Selecting the right payment gateway for your business in Italy can streamline your operations, improve customer satisfaction, and reduce transaction costs. The gateways covered here offer a mix of local and international solutions, catering to businesses of different sizes and sectors. Consider your specific needs, such as local support, integration capabilities, and preferred payment methods, to choose the best gateway for your business
