Sources: Czech National Bank and provider disclosures, 2024–2025.
How Czech Republic pays
The Czech Republic took to cards early, and contactless payment is the everyday norm in shops. Online, Czech shoppers pay by Visa and Mastercard cards and with Apple Pay and Google Pay, but bank transfers matter too: Czech banking apps read QR Platba, the national QR code format, so a shopper can pay an order by scanning it.
Cash on delivery, long a Czech habit, still appears at many shops, and online bank payments that send the shopper into their own bank are widely offered. Orchestrapay carries cards and wallets behind one integration, collecting in Czech koruna, with routing across acquirers, frictionless 3DS under PSD2 strong customer authentication, and Czech-language checkout with compliance aligned to the Czech National Bank.
Why merchants run on us here
Cards & wallets live today
International card acquiring and the express wallets, available now through one integration.
How Czechs pay locally
QR Platba transfers and online bank payments shape Czech checkout, and we track them as we grow local coverage.
Koruna settlement & FX
Collect in CZK and settle in your base currency, with FX handled for you.
PSD2 SCA, tuned
Frictionless authentication where allowed, with Czech-language checkout and aligned compliance.
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 Czech Republic
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Czech Republic like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Czech Republic 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 Czech koruna (CZK) 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 Czech Republic?
Talk to our payments team about going live in Czech Republic — coverage, local acquiring, settlement and timelines for your business.