Sources: Banca d'Italia and provider disclosures, 2024–2025.
How Italy pays
Italy pays with a mix of national and international instruments. Most Italian debit cards carry PagoBancomat, the domestic debit scheme, co-badged with an international brand, while PostePay, the prepaid card range from Poste Italiane, is one of the most widely held cards in the country and a common way to shop online. PayPal is a long-standing favorite at Italian checkouts, and Apple Pay and Google Pay run on top of Italian cards.
Beyond cards, Italians use app-based payments such as Satispay and the bank-backed Bancomat Pay, plus bank transfers and installment offers for larger baskets. For an enterprise merchant, the value is optimization: routing across acquirers to protect approvals, frictionless 3DS under PSD2 strong customer authentication, and retries when an issuer declines, all behind one integration, in euros, with Italian-language checkout and compliance aligned to Banca d'Italia.
Why merchants run on us here
Cards, national and international
Accept co-badged PagoBancomat debit, PostePay prepaid and the international schemes through one integration.
Frictionless 3DS under PSD2
Strong customer authentication applied with exemptions where allowed, protecting both compliance and conversion.
PayPal and the wallets
PayPal, Apple Pay and Google Pay alongside cards, the way Italian shoppers expect to check out.
One integration, euro settlement
Cards, wallets and PayPal behind one integration, in euros, with Italian-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 Italy
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Italy like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Italy through a single API — no separate contract or integration per provider.
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
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
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 Italy?
Talk to our payments team about going live in Italy — coverage, local acquiring, settlement and timelines for your business.