Sources: Oesterreichische Nationalbank, FMA and provider disclosures, 2024–2025.
How Austria pays
Austria still likes cash at the till, but online it pays in a few distinct ways. Bank-issued debit cards, now mostly Debit Mastercard and Visa Debit, carry everyday spending, and credit cards cover travel and cross-border shopping. For bank payments online, Austrian banks offer eps, the national online bank transfer that sends the shopper straight into their own online banking to approve the payment.
Like their German neighbors, many Austrians prefer to pay after delivery, so invoice and installment options are common at larger shops, alongside PayPal, Apple Pay and Google Pay. Orchestrapay carries cards and wallets behind one integration, in euros, with routing across acquirers, frictionless 3DS under PSD2 strong customer authentication, and German-language checkout with compliance aligned to the FMA.
Why merchants run on us here
Cards & wallets live today
International card acquiring and the express wallets, available now through one integration.
How Austria pays locally
eps bank transfers and invoice payment shape Austrian checkout, and we track them as we grow local coverage.
Frictionless 3DS under PSD2
Strong customer authentication applied with exemptions where allowed, protecting both compliance and conversion.
Euro settlement
Collect and settle in euros, with German-language checkout and routing across acquirers.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Austria
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Austria like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Austria today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Austria?
Talk to our payments team about going live in Austria — coverage, local acquiring, settlement and timelines for your business.