Overview

Paybyrd is a payment platform for online checkout, payment links and in-person sales. It is best suited to businesses taking payments across channels, particularly in retail, hospitality, restaurants, travel and marketplaces. Its breadth is a strong reason to consider it, but transaction costs and the status of some security certifications deserve scrutiny.

Key features

Paybyrd supports more than 20 payment methods, 192+ currencies and 40+ countries, a useful range for businesses serving varied markets. Hosted and white-label checkout and payment links cover online sales, while POS terminals extend payments to physical locations. Tableside and mobile payments, plus reconciliation tools, make it relevant to operators handling transactions in several settings.

Its multi-acquirer smart routing directs transactions toward an acquirer Paybyrd considers more likely to approve them. This may help businesses working with multiple acquirers, but it is not an approval-rate guarantee. Integrations include WooCommerce, Magento, Shopify, PrestaShop, SAP, Oracle and Host PMS. Developers can work with a REST API, webhooks, SDKs, pre-built plugins and a free sandbox, giving technical teams more than one way to connect payment flows.

Paybyrd states that it is PCI DSS Level 1 certified and includes 3-D Secure 2.x in remote card flows. ISO/IEC 27001 certification is in progress, while its SOC 2 Type II report is in preparation. Businesses with formal certification requirements should account for those different statuses. Paybyrd says a payment engineer replies within one business day, usually faster.

Pricing

Essential has no monthly fee: online card payments are billed per transaction, with a limit of up to €80K / month. The online card rate drops to 0.99% at €80K monthly volume. APMs start at €0.20, and chargebacks cost €7.50 each. Fees are in EUR and exclude applicable taxes, so the absence of a subscription fee does not mean payment processing is free. The volume cap and transaction-based charges matter most to businesses estimating their monthly payment mix and scale.

POS terminal pricing starts at €11/mo. Custom has custom pricing, quoted for businesses at €500K+/mo, with volume tiers, a dedicated account manager, priority support and a 99.999% SLA with credits. That package is aimed at higher-volume operations needing a defined service commitment; businesses below its quoted volume threshold should compare Essential’s transaction costs instead.

Platforms

Paybyrd supports Android, iOS and web, with an API for software integrations. That combination suits businesses needing payment access across mobile and browser workflows as well as technical connections to existing systems.

Who it's for

Paybyrd is a good fit for businesses in airlines, retail, hospitality, restaurants, marketplaces and transport that need online and in-person payments under one platform. It is particularly relevant when multiple payment methods, developer tools or integrations with commerce and enterprise systems matter. A smaller operation seeking a simple fixed-cost payment setup may find the transaction-based pricing less predictable.

Pros and cons

Broad payment reach: More than 20 payment methods, 192+ currencies and 40+ countries support businesses serving diverse markets.
Multiple sales channels: Hosted and white-label checkout, payment links, POS, tableside and mobile payments cover online and in-person transactions.
Developer flexibility: APIs, SDKs, webhooks, plugins and a free sandbox give technical teams several integration paths.
Costs require forecasting: Essential charges per transaction, adds APM and chargeback fees, and caps volume at €80K / month.
Certification caveat: PCI DSS Level 1 certification and 3-D Secure 2.x are stated, but ISO/IEC 27001 remains in progress and the SOC 2 Type II report is in preparation.

Alternatives

For restaurant payment processing, compare Restaurant Payment Processing Software; marketplace operators can also browse Marketplace Payment Platforms.

Choose Dojo if a freemium option with a free plan and trial is a better fit. qlub is an alternative with a paid plan and free trial. Consider SpotOn Payment Processing for its freemium model and POS software and hardware included in its All-In Plan, which has processing minimums and a minimum two-year term. DISH Payment Solutions is another paid option, with a 60-month rental plan priced at 1090.00 EUR per month, excluding VAT, and transaction fees beginning at 1,89%. Heartland Retail offers a free plan and a POS starting price of 89.00 USD per month. PayFacto provides customized payment solutions with pricing by quote. Lightspeed Restaurant may suit buyers looking for restaurant POS tools such as menu management, floor plans, offline mode and 24/7 support; its Starter plan is 69.00 USD per month. Olo Pay is another paid option with pricing by sales quote.

Verdict

Choose Paybyrd if your business needs online and in-person payments, broad international payment support and developer integration options in one platform. Its strongest case is the coverage across channels and markets; look elsewhere if you need fully predictable processing costs or require completed ISO/IEC 27001 certification or a SOC 2 Type II report.

	NCR Voyix Payments	Paybyrd
Platforms		Android, api, iOS, Web
Free plan	No	No
Card-present payments	Yes	Yes
Online payments	Yes	Yes
Tableside payments	Yes	Yes
Mobile payments	Yes	Yes
Pricing model	custom_quote	flat_rate
Reconciliation tools		Yes

NCR Voyix Payments vs Paybyrd

NCR Voyix Payments

Paybyrd