ProviderOpen BankingListed Mar 2026pay.nlWebsite
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Pay.nl

Pay.nl is a Netherlands-based PSP optimized for European merchants, supporting EUR and multi-currency processing.

Pay.nl is a Netherlands-based PSP optimized for European merchants, supporting EUR and multi-currency processing. It offers a comprehensive suite of payment methods including cards, iDEAL, SEPA, wallets, and subscriptions through flexible APIs and plugins. With strong security, compliance, and localized checkout experiences, Pay.nl enhances conversion rates and operational efficiency, making it ideal for eCommerce, SaaS platforms, and marketplaces targeting the European market.

3

payment methods

BLIKiDEALKlarna
36

markets

AustriaATBelgiumBEBrazilBRBulgariaBGChinaCNCroatiaHRCyprusCYCzech RepublicCZDenmarkDKEstoniaEEFinlandFIFranceFRGermanyDEGreeceGRHungaryHUIcelandIS
9

currencies

BRLCHFDKKEURGBPNOKPLNSEKUSD
5

sectors served

eCommerceForex / CFDiGamingSaaSTravel
1

built on

APAPI

What Pay.nl costs

Pay.nl quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

What you need to onboard

Company Details · Company Documents · Enhanced KYB & Due Diligence

Licences a merchant needs

Forex Licence (Local) · License · iGaming Licence (Local)

What the last check found

This is a payment provider, not a payment method, and it is listed here as a provider — the coverage on this page is its own, not a method's. Filing an acquirer in the method taxonomy would put it on a page next to iDEAL, which is the mirror image of the misfiling this directory has been clearing up elsewhere. Where the write-up below refers to a recorded country or currency, this line is the correction.

Checked 2026-10-21: Pay.nl is not a payment method — it is a PSP/acquirer, and it is ALREADY IN THIS DIRECTORY as one. The record's own first sentence says "a Dutch collecting PSP and acquirer, not a payment method", its own Adyen negative check found Pay.nl absent from a 113-method catalogue, and `psps` row id 46 (slug `pay-nl`, type 'ps

Pay. (pay.nl) is the trading name of TinTel B.V., KvK 24283498, Spijkenisse — a Dutch collecting PSP and acquirer, not a payment method. It has held a DNB payment institution licence since 29 July 2013, is a Principal Member of Mastercard, Visa and EPI, and holds its own acquirer licence for iDEAL, Bancontact, American Express, Mastercard and Visa, so for those five schemes it is not reselling someone else's acquiring. Published certifications: PCI-DSS (level not stated), PCI-3DS, EMVCo 3DS Server, ISO 27001:2022, ISAE 3402, SOC 2. It claims 35,000+ businesses "in Europa"; all three offices are Dutch (Enschede, Diemen, Spijkenisse).

Provenance matters here. Pay.nl publishes no "markets we serve" or merchant-onboarding country list, and its /v2/countries and /v2/currencies reference pages carry only illustrative single-record examples — the real lists require an authenticated call. Every country row above comes from per-method market annotations in Pay.nl's own documentation. These are shopper countries, i.e. acceptance reach, not countries where a merchant can be boarded. Collective phrases were deliberately not expanded into rows: bank transfer and SEPA Direct Debit are documented as "EU landen aangevuld met Noorwegen, IJsland, Liechtenstein, Zwitserland en Monaco", and Trustly, PayPal and Alipay+ show unnamed "+16"/"+50" flag counts. Three codes in the Paysafecard list are malformed ("EI", "SL", "UR") and were dropped, so Ireland rests on AlmaPAY instead and Slovenia and Uruguay are omitted entirely. Non-EUR traffic on Alipay, WeChat, EPS and Pay by Bank is documented as auto-converted to EUR. The developer portal has no chargeback page at all; chargeback liability appears only per method in the Dutch reference.

Checked against Pay.nl’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.

People at Pay.nl

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Sources · 26

  1. Pay. — FAQ (English) · pay.nlcountriesUsed for The explicit merchant-acceptance country list: "Currently, we can accept companies from the following countries" naming the EU-27 plus Norway — the basis for the 28-country array and for rejecting countries=NL. Also "Every payment we handle is processed via Stichting Pay.nl", Stichting Derdengelden Pay.nl, the business-bank-account requirement, registration-then-documents flow, and "over 35,000 (web) shops" / "hundreds of thousands of online payments a day".Checked 20 October 2026
  2. Pay. documentation — Betaalmethoden / Payment options · docs.pay.nlcountriescurrenciesmethodsUsed for The only source enumerating coverage per method: Markt and Valuta for each. Supports every currency beyond EUR — PLN (Przelewy24 "Poolse Zloty"; BLIK), SEK (Swish; Klarna SE), NOK (Vipps; Klarna NO), DKK (MobilePay "DKK, EUR"; Klarna DK), CHF (Twint; Klarna CH), GBP (Klarna UK "Pond (GBP)"), USD (Klarna US), BRL (Pix) — and the method-level country statements (iDEAL Nederland, Bancontact Belgie, Bancomat Italie, Bizum Spanje, Twint Zwitserland, Multibanco/MB Way Portugal, Trustly's 16 countries, Paysafecard's ~38, Incasso/Overboeking "EU landen aangevuld met Noorwegen, IJsland, Liechtenstein, Zwitserland en Monaco", Wero "Belgie, Duitsland, Frankrijk (uitbreiding naar Nederland & Luxemburg in 2026)"). Also the Dutch gift-card and stadspassen depth.Checked 20 October 2026
  3. Pay. — Certificeringen, registraties en licenties · pay.nlmethodslicensingUsed for The DNB payment-institution licence granted 29 July 2013 ("vergunning als betaalinstelling verleend door De Nederlandsche Bank op 29 juli 2013"); acquirer licences for iDEAL, Bancontact, American Express, Mastercard and Visa; Principal Member status with Mastercard, Visa and EPI; PCI-DSS, PCI-3DS, ISAE 3402, ISO 27001:2022, SOC 2 and EMVCo 3DS certifications. Confirms it is its own acquirer, hence integrable_alone.Checked 20 October 2026
  4. Pay. developer portal — llms.txt page index · developer.pay.nlcountriescurrenciesmethodscapabilitiesintegrationsUsed for Confirms a real, machine-readable developer portal exists and names the actual reference and docs pages (rather than guessing paths). Source for the "75+ Payment methods by a simple API" claim and for the existence of Countries, Currencies, PaymentMethods, Issuers, Categories, Payouts and iDIN endpoints, plus the iDEAL-for-CPSPs and non-collecting-iDEAL recipes.Checked 20 October 2026
  5. Pay. API reference — Currencies (GET /v2/currencies) · developer.pay.nlcurrenciesintegrationsUsed for Evidence that the currency list is NOT published: the page documents the endpoint and schema only, with EUR appearing solely in the illustrative example response. Basis for saying the authoritative currency list is reachable only by calling the API.Checked 20 October 2026
  6. Pay. API reference — Countries (GET /v2/countries) · developer.pay.nlcountriesUsed for Same for countries: endpoint documented, NL only as an example. Source for the unenumerated per-country signupAllowed, inEU and highRisk flags.Checked 20 October 2026
  7. Pay. developer docs — Payment Option IDs and Sub IDs · developer.pay.nlmethodsUsed for The published integer payment-option IDs (iDEAL 10, Bancontact 436, Pix 4803, FLOA 4815) and the fullest catalogue of method names across regional methods, card networks, wallets, in-person card types, BNPL, gift cards and city passes — the main source for the methods array.Checked 20 October 2026
  8. Pay. developer docs — Platform overview · developer.pay.nlintegrationsthe companyUsed for The Transaction Gateway Unit / Global Management System split and the documented advice to integrate at least two TGUs to reduce the impact of disruptions.Checked 20 October 2026
  9. Pay. — About us · pay.nlintegrationsthe companyUsed for "Since 2011"; the three Dutch locations (Enschede, Diemen/Amsterdam, Spijkenisse); 35,000+ businesses; 90+ integrations; 50 partner gift cards. Also confirms no legal entity name is published anywhere on the marketing site — only "(c) Pay 2026".Checked 20 October 2026
  10. Pay. — English homepage · pay.nllicensingpricingUsed for "50+ payment options for everyone"; the self-service merchant entry points (signup.pay.nl/welcome, /en/register-now, /en/services pricing); and the product scope spanning online, in-store terminals, SoftPOS and Tap to Pay on iPhone. Supports integrable_alone.Checked 20 October 2026
  11. Pay. — Payment solutions per region · pay.nlcountriescurrenciesmethodsUsed for A published region-to-method mapping (iDEAL/Netherlands, Bancontact/Belgium, EPS/Austria, Przelewy24 and BLIK/Poland, MobilePay/Finland and Denmark, Vipps/Sweden and Norway, Twint/Switzerland, Swish/Sweden, Bizum/Spain, Bancomat/Italy, MB Way and Multibanco/Portugal). Notable for stating no country or currency total — only "+16" and "+50" markers.Checked 20 October 2026
  12. Pay. documentation home · docs.pay.nlUsed for Establishes the four real documentation sections (merchants, paymentoptions, developers, instorepayments) and that docs are Dutch-first with a ?language=en switch — how the paymentoptions page was located rather than guessed.Checked 20 October 2026
  13. Pay. robots.txt · pay.nlUsed for Names https://www.pay.nl/sitemap.xml as the only sitemap; that sitemap exceeds 10MB and could not be fetched, which is why discovery proceeded via llms.txt on the developer portal and via on-page link extraction instead.Checked 20 October 2026
  14. Pay. - Contact (registry and banking identifiers) · pay.nlthe companyUsed for Confirms NL incorporation and identity: KvK 24283498, VAT NL807960147B01, RSIN 807960147, establishment no. 000015815617, LEI 724500NG2W3S69V8WP89, IBAN NL35RABO0117713678 / BIC RABONL2U (Rabobank Spijkenisse) with account holder 'Pay.nl Foundation'; also lists the three office addresses (Hengelosestraat 113 Enschede, Dalsteindreef 141 Diemen, Curieweg 19 Spijkenisse).Checked 20 October 2026
  15. Pay. - Over ons (Dutch about page) · pay.nlthe companyUsed for Dutch-language counterpart of /en/about-us; corroborates 'Al sinds 2011', the same three Dutch offices, and 'meer dan 35.000 ondernemingen in Europa'. Names no parent company, investor, acquisition, merger or rebrand - used as negative evidence against a change of ownership or a retired brand.Checked 20 October 2026
  16. Pay. - Disclaimer · pay.nlthe companyUsed for Checked for a parent/group reference or legal entity name; contains neither - further negative evidence on acquisition or rebrand. Footer reads '(c) Pay 2026', indicating the brand is current.Checked 20 October 2026
  17. Pay.nl — Veelgestelde vragen (Dutch FAQ) · pay.nlcountriesthe companyUsed for Independent confirmation that the 28-country array is a verbatim published list and not an inference: the Dutch original names all 28 countries (EU-27 plus Noorwegen) in the company-registration answer, matching the English /en/faq list element for element.Checked 20 October 2026
  18. Pay.nl docs — Betaalopties (payment options, full page) · docs.pay.nlcountriescurrenciesmethodsUsed for Read in full across four offsets (0, 100k, 200k, 300k of 314k characters) to audit every Markt and Valuta field. Confirms all nine currencies and supplies the under-claimed countries: Twint/Zwitserland+CHF, Klarna Groot-Brittannie+GBP and de VS+USD, Pix/Brazilie+BRL, Alipay and WeChat Pay/China, Incasso and Overboeking naming IJsland, Liechtenstein, Zwitserland and Monaco. Also the full Trustly 16-market list and Paysafecard's ~38 voucher countries that I excluded.Checked 20 October 2026
  19. Pay. — Algemene voorwaarden (general terms) · pay.nlcountriesthe companyUsed for Legal entity "TinTel B.V." (clause 1.22) with KvK number 24283498, "gevestigd te Spijkenisse", Stichting Derdengelden Pay. KvK 50152769, and Dutch governing law (clause 14.2) — supports the operator and country in the identity sentence.Checked 20 October 2026
  20. Pay. — Vergunningen, certificeringen & licenties · pay.nlmethodslicensingcapabilitiesUsed for "Pay. beschikt over een vergunning als betaalinstelling verleend door De Nederlandsche Bank op 29 juli 2013"; acquirer licence for iDEAL, Bancontact, American Express, Mastercard and Visa; Principal Member of Mastercard, Visa and EPI; PCI-DSS, PCI-3DS, EMVCo 3D Secure Server, ISO 27001:2022, ISAE 3402, SOC-2 — supports regulatory status and the 3D Secure feature.Checked 20 October 2026
  21. Pay. — Betaaloplossingen per regio · pay.nlcountriesmethodsUsed for Region-by-region method mapping confirming NL, DE, BE, AT, PL, DK, FI, NO, SE, CH, PT, ES, IT, CN; sole source for Japan and South Korea (Alipay+ row, "Geschikt voor Aziatische markt"). Also the unnamed "+16"/"+50" flag counts for Trustly, PayPal and Alipay+ that were NOT turned into rows.Checked 20 October 2026
  22. Pay. developer portal — Payouts · developer.pay.nlcountriescurrenciesmethodslimits & timingcapabilitiesintegrationsUsed for Supports the payouts feature: "Send Payouts to IBAN accounts via SCT or SICT (Instant)" and an API to "create and manage payouts to external bank accounts"; also supports the note that no country, currency or scheme limit is stated.Checked 20 October 2026
  23. Pay. developer portal — Recurring payments · developer.pay.nlmethodscapabilitiesUsed for Supports the recurring feature (card tokenization, "method": "token") and the note that eligibility is gated: "Please contact your contactperson within Pay if you want to use recurring payments."Checked 20 October 2026
  24. Pay. developer portal — Refunds · developer.pay.nlcapabilitiesUsed for Supports the refunds feature: "For buy now pay later, giftcards and creditcards the refund is directly processed" and IBAN refunds batched around 10.00AM. Also evidence that partial refunds and chargebacks are NOT covered on the developer portal.Checked 20 October 2026
  25. Pay. — homepage · pay.nlmethodsUsed for Self-description as an "alles-in-één betaalprovider" for online and in-store payments; the portfolio of methods (iDEAL, Bancontact, Wero, BLIK, P24, Multibanco, Trustly, Bancomat, Klarna, in3, Riverty, gift cards, Apple/Google Pay, SoftPOS); and the documentation host URLs used as entry points.Checked 20 October 2026
  26. Adyen — Payment methods catalog · docs.adyen.commethodsUsed for Negative check supporting found_in = empty: Adyen's 113-method catalog contains no mention of Pay.nl or "Pay." as a provider (only unrelated PayPal/PayPay/PayNow), as expected for a competing PSP rather than a payment method.Checked 20 October 2026

26 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with Pay.nl before you sign anything. How we compile this · Suggest a correction ·