Sources: Magyar Nemzeti Bank and provider disclosures, 2024–2025.
How Hungary pays
Hungary pays by card in shops and online, with bank-issued Visa and Mastercard cards and Apple Pay and Google Pay on the phone. Underneath sits one of Europe's earliest national instant payment systems: since 2020, transfers between Hungarian bank accounts settle in seconds, around the clock.
The Magyar Nemzeti Bank has built on that rail with qvik, a bank-to-bank payment for shops and online checkout, and cash on delivery is still offered at many webshops. Orchestrapay carries cards and wallets behind one integration, collecting in Hungarian forint, with routing across acquirers, frictionless 3DS under PSD2 strong customer authentication, and Hungarian-language checkout.
Why merchants run on us here
Cards & wallets live today
International card acquiring and the express wallets, available now through one integration.
How Hungary pays locally
Instant transfers and qvik shape Hungarian checkout, and we track them as we grow local coverage.
Forint settlement & FX
Collect in HUF and settle in your base currency, with FX handled for you.
PSD2 SCA, tuned
Frictionless authentication where allowed, with Hungarian-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 Hungary
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Hungary like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Hungary 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 Hungarian forint (HUF) 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 Hungary?
Talk to our payments team about going live in Hungary — coverage, local acquiring, settlement and timelines for your business.