Pay less. Keep more.

A new button in your checkout: customers pay straight from their banking app, with Face ID. They pay less. You keep more of every order.

Add to my store
Checkout

Espresso machineStainless steel, 1 item

vonta Pay−€3
PayPal
Credit card
Subtotal€300.00
vonta Pay instant discount−€3.00
Total€297.00

1Choose vonta Pay. €3 cheaper than paying with PayPal or card.

2Approve in the banking app. Face ID is enough.

Business account
€14,250.60

Vonta PayOrder #10482, just now

+€297.00

Card paymentsBatch payout, Mon

+€1,240.18

SupplierDirect debit, Fri

−€860.00

3The money is in. Instant transfer, account to account.

PayPal is a habit. Two things break it.

A customer only switches for a reason. Vonta Pay gives them two: a lower price and less to do.

A price they can see€297 instead of €300, right on the button before they decide. The €3 comes out of the PayPal fee you no longer pay, and you still keep €3.08 more.
Nothing to typeNo card number, no password, no login. One look at the banking app they already use every day.

3,600 orders, one year

+€11,088

extra profit for you, compared with PayPal

Your customers saved €10,800 over the same year.

Now run your numbers.

€100€2,000
103.000
1.5%3.49%

Set to PayPal's standard rate in Germany, 2.99% + €0.39. If you negotiated a lower rate, set yours. The Vonta fee includes bank costs. An example calculation, not a promise.

Extra profit per year for you, versus PayPal
+€11,088
Today with PayPal€9.36
3.1%
The same amount with Vonta Pay€9.36
1%
1%
1.1%
Discount for your customer Your extra profit Vonta fee

Paid to PayPal on these orders a year

−€33,696

One order. Four price tags.

At an order value of €300 vonta pay PayPal Apple Pay Credit card
Fee you pay €3.28bank costs included €9.362.99% + €0.39 Card rate, about 1.5–3%runs on the customer's card Depends on contract (1.5–3%)Typical rate, plus a fixed fee per order
Discount for your customer €3.001% right at checkout None None None
Your customer types in NothingFace ID in their own banking app PayPal loginEmail and password if not signed in NothingFace ID, on Apple devices only Card detailsNumber, expiry date, security code
Card chargebacks NonePayment is approved in the bank Buyer protection claims Possiblecard rules apply Possibleplus a chargeback fee
Money in your bank account In secondsSEPA Instant transfer After a payoutlands in PayPal first After settlementby the payment processor After settlementby the payment processor

PayPal: standard rate for payments in Germany. Card: typical online rates for European consumer cards. Apple Pay: Apple adds no fee, the card rate of the card behind it applies. Vonta Pay replaces nothing, it sits alongside.

The bank approves every payment.

Vonta Pay runs on open banking, under EU payment law. Your customer shares nothing they don't already share with their own bank.

Your money goes bank to bank, never through us

Approved in the customer's own banking app

No card details, no login details

Initiated by a licensed open banking provider

Every fee and rate on this page has a public source. Check them in our Trust Centre.

Before you add it.

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Question not listed? Ask us directly.

What does Vonta Pay cost?
A fee per order, only when a customer pays with Vonta Pay, and it stays below PayPal's standard rate. At a €300 order it is €3.28, bank costs included; PayPal's standard rate takes €9.36 for the same order. The exact rate for your shop is in your pilot offer.
What happens to my money if Vonta Pay shuts down?
Nothing. Every payment goes straight from your customer's bank account to yours, as a normal bank transfer. We never hold your money, not even for a second. If Vonta Pay disappeared tomorrow, only the button would disappear; every euro would already be in your account.
Why would my customers choose it?
Because it is the cheaper way to pay. They see the lower price right at checkout, €297 instead of €300 for example, and approve with Face ID in the banking app they already use. No card number, no password, nothing to type. Not every customer will switch, and that's fine: every order paid with Vonta Pay costs you less, and everyone else pays as before.
Do I have to switch off PayPal or cards?
No. Vonta Pay sits next to them as one more option. Customers who want the discount choose it, and everyone else pays as before.
How much work is it for me?
Very little. During the pilot we set up Vonta Pay together with you, with no coding on your side. You can remove it again at any time.
Do I have to sign anything?
One page: the pilot agreement. It sets out the fee and the setup, and you can end it at any time.
Which shop systems does it work with?
Tell us which system you run when you get in touch. During the pilot we connect each shop individually, so we check yours first and tell you whether we can connect it now or later.
What about refunds?
You refund as usual, and the money goes straight back to your customer's account.
What about buyer protection?
A bank payment doesn't come with PayPal's buyer protection, and we don't pretend it does. Your customer's legal rights are the same with every payment method: the 14-day right of withdrawal and the statutory warranty. Customers who want PayPal's extra cover simply keep paying with PayPal.
Who is liable if a payment does not arrive?
You ship once the money is on your account, exactly as with any bank transfer; with an instant transfer that is a matter of seconds. If a transfer that your customer's bank has confirmed does not arrive, liability lies with the banks and the payment institution involved under EU payment law (PSD2), not with you.
Which banks are supported?
Banks in Germany and Austria that support open banking payments. We check coverage for your customers together with you before you go live. If a customer's bank isn't covered, they pay with PayPal or card, exactly as they do today.
Sebestyen AntalFounder & CEO

Why Vonta Pay exists.

Online shops hand a noticeable part of their margin to payment fees every month.

On thin margins, that is often the difference between a good month and an average one.

Banking apps are now fast enough to keep up at checkout. So we are building the payment method where both the shop and the customer keep more.

Start keeping more.

Pilot phase: a small number of shops, each set up personally by the founder. You get a one-page offer, with no obligation.

ToVonta Paysupport@vontapay.com

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